Interim Reports 2Q 2025
Interim Reports 2Q 2025
The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- June 30th 2025, issued on August 26th 2025
The report consists of three parts:
1. KRUK Group FS H1 2025_1part
2. KRUK FS H1 2025_2part
3. KRUK's H1 2025 additional information_3part
4.GK KRUK - Independent Auditor's Report on Review of the H1 Statements 2025
5.KRUK - Independent Auditor's Report on Review of the H1 Statements 2025
| Financial highlights | PLN ‘000 | EUR ‘000 | ||
| For the period | 1 Jan–30 Jun 2025 unaudited | 1 Jan–30 Jun 2024 unaudited | 1 Jan–30 Jun 2025 unaudited | 1 Jan–30 Jun 2024 unaudited |
| Revenue | 1,599,696 | 1,480,569 | 379,003 | 343,448 |
| Operating profit | 804,059 | 770,686 | 190,499 | 178,776 |
| Profit before tax | 585,365 | 586,023 | 138,686 | 135,940 |
| Net profit attributable to owners of the Parent | 584,018 | 602,657 | 138,367 | 139,798 |
| Net cash from operating activities | 398,482 | 333,475 | 94,409 | 77,356 |
| Purchase of debt portfolios at prices as per agreement | 805,454 | 899,729 | 190,830 | 208,710 |
| Cash recoveries | 1,910,305 | 1,737,547 | 452,593 | 403,059 |
| Net cash from investing activities | (40,849) | (5,445) | (9,678) | (1,263) |
| Net cash from financing activities | (306,293) | (535,446) | (72,568) | (124,207) |
| Net change in cash | 51,340 | (207,416) | 12,164 | (48,114) |
| Diluted earnings per share (PLN/EUR) | 28.71 | 29.46 | 6.80 | 6.83 |
| Average number of shares (‘000) | 19,392 | 19,319 | 19,392 | 19,319 |
| Earnings per share (PLN/EUR) | 30.12 | 31.20 | 7.14 | 7.24 |
| As at | 30 Jun 2025 unaudited | 31 Dec 2024 | 30 Jun 2025 unaudited | 31 Dec 2024 |
| Total assets | 12,098,925 | 11,648,879 | 2,852,242 | 2,726,159 |
| Non-current liabilities | 6,491,260 | 6,504,482 | 1,530,272 | 1,522,228 |
| Current liabilities | 844,361 | 615,740 | 199,053 | 144,100 |
| Equity | 4,763,304 | 4,528,657 | 1,122,918 | 1,059,831 |
| Share capital | 19,403 | 19,382 | 4,574 | 4,536 |
| Book value per ordinary share | 245.49 | 233.65 | 57.87 | 54.68 |
Contacts
Anna Kowalczyk
tel. no.: +48 71 790 2280
e-mail: [email protected]
Tomasz Kałuziak
tel. no.: +48 71 345 6789
e-mail: [email protected]