Kruk (KRKKF) Cyclically Adjusted Book per Share: $54.22 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KRKKF Kruk SA KRKKF
83 GF Score
Price $124.58
GF Value $183.08
! 6 Warning Signs
View Full Analysis

What is Kruk Cyclically Adjusted Book per Share?

Kruk KRKKF 83 Cyclically Adjusted Book per Share is $54.22 as of Jun. 2026. GuruFocus rates KRKKF with a GF Score™ of 83/100 and a GF Value™ of $183.08. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Kruk's adjusted book value per share for the three months ended in Jun. 2026 was $76.149. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $54.22 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Kruk's average Cyclically Adjusted Book Growth Rate was 15.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 18.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 24.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Kruk was 28.40% per year. The lowest was 18.70% per year. And the median was 25.40% per year.

As of today (2026-09-06), Kruk's current stock price is $124.58. Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $54.22. Kruk's Cyclically Adjusted PB Ratio of today is 2.30.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.60. The lowest was 1.22. And the median was 3.11.


Kruk  (OTCPK:KRKKF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Kruk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=124.58/54.22
=2.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.60. The lowest was 1.22. And the median was 3.11.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Kruk Cyclically Adjusted Book per Share Related Terms


Kruk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Kruk's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kruk Cyclically Adjusted Book per Share Chart

Kruk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.12 15.91 18.81 25.71 31.21

Kruk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 35.92 32.57 31.21 36.40 54.22

KRKKF vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Kruk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kruk Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Kruk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Kruk's Cyclically Adjusted PB Ratio falls into.


KRKKF
83GF Score
Kruk SA KRKKF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kruk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kruk's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=76.149/162.2800*162.2800
=76.149

Current CPI (Jun. 2026) = 162.2800.

Kruk Quarterly Data

Book Value per Share CPI Adj_Book
201609 14.579 99.064 23.882
201612 17.785 100.366 28.756
201703 18.934 101.018 30.417
201706 19.841 101.180 31.822
201709 21.411 101.343 34.285
201712 20.917 102.564 33.096
201803 22.761 102.564 36.013
201806 23.493 103.378 36.879
201809 24.272 103.378 38.101
201812 24.708 103.785 38.634
201903 26.003 104.274 40.468
201906 26.044 105.983 39.878
201909 27.899 105.983 42.719
201912 27.807 107.123 42.125
202003 27.735 109.076 41.263
202006 28.214 109.402 41.851
202009 29.300 109.320 43.494
202012 28.959 109.565 42.892
202103 30.991 112.658 44.642
202106 31.267 113.960 44.524
202109 34.377 115.588 48.264
202112 36.849 119.088 50.214
202203 40.826 125.031 52.989
202206 40.842 131.705 50.323
202209 43.671 135.531 52.290
202212 45.373 139.113 52.929
202303 48.881 145.950 54.350
202306 48.096 147.009 53.092
202309 51.949 146.113 57.697
202312 52.866 147.741 58.068
202403 57.962 149.044 63.110
202406 57.272 150.997 61.552
202409 61.265 153.439 64.795
202412 62.946 154.660 66.047
202503 66.368 157.021 68.591
202506 66.133 157.509 68.136
202509 70.578 158.000 72.490
202512 73.607 158.320 75.448
202603 77.874 163.070 77.497
202606 76.149 162.280 76.149

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $54.22 mean?
Kruk (KRKKF) has a Cyclically Adjusted Book per Share of $54.22 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kruk and its competitors.
Is Kruk's Cyclically Adjusted Book per Share too high?
Kruk's current Cyclically Adjusted Book per Share is $54.22. Overall, Kruk has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Kruk's Cyclically Adjusted Book per Share compare to V and MA?
Kruk's Cyclically Adjusted Book per Share of $54.22 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Kruk and its competitors. Kruk's current Cyclically Adjusted Book per Share is $54.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kruk stock overvalued right now?
Kruk (KRKKF) has a current Cyclically Adjusted Book per Share of $54.22. The stock's GF Value™ is $183.08, compared to a current price of $124.58 — trading 32% below its estimated fair value. The current Cyclically Adjusted Book per Share is $54.22. Kruk's overall GF Score™ is 83/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Kruk (KRKKF), the current Cyclically Adjusted Book per Share is $54.22 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kruk (KRKKF) Overvalued in 2026?

Based on GuruFocus' analysis, Kruk stock appears to be undervalued. The current stock price of $124.58 is trading 32% below its estimated GF Value™ of $183.08.

Key valuation signals for KRKKF:

  • Cyclically Adjusted Book per Share: $54.22
  • GF Value™: $183.08 vs. price of $124.58 (32% below fair value)
  • GF Score™: 83/100 with 6 warning signs

No single metric tells the full story. See the KRKKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kruk Business Description

Other Exchanges KRU:Poland83I:Germany
Address ul. Wolowska 8, Wroclaw, POL, 51-116
Kruk SA is the leader in the debt collection industry. It manages debts purchased on its own account and contracted by third parties. The group manages bank debt (the main client category), debts owed to loan brokers, insurance companies, leasing firms, fixed-line and mobile phone operators, cable TV companies, digital TV platforms and FMCG companies. The Group manages debt in three segments consumer debts, mortgage debts and corporate debts. Consumer debts include retail and unsecured. Mortgage debts include retail, and secured. Corporate debts include mortgage-backed and non-mortgage-backed. Geographically the company operates in segments Poland, Romania, Italy, Spain, and Other foreign markets.
83GF Score

Get the complete analysis for KRKKF

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$124.58
Price
$183.08
GF Value