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Kruk (WAR:KRU) Cyclically Adjusted Book per Share : zł153.57 (As of Mar. 2025)


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What is Kruk Cyclically Adjusted Book per Share?

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 Mar. 2025 was zł246.374. 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 zł153.57 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Kruk's average Cyclically Adjusted Book Growth Rate was 19.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 25.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 25.50% 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 29.20% per year. The lowest was 23.70% per year. And the median was 25.85% per year.

As of today (2025-05-24), Kruk's current stock price is zł399.20. Kruk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was zł153.57. Kruk's Cyclically Adjusted PB Ratio of today is 2.60.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Kruk was 5.69. The lowest was 1.22. And the median was 3.37.


Kruk Cyclically Adjusted Book per Share Historical Data

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.

* Premium members only.

Kruk Cyclically Adjusted Book per Share Chart

Kruk Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 56.87 73.39 100.36 122.52 146.51

Kruk Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 128.09 134.03 140.76 146.51 153.57

Competitive Comparison of Kruk's Cyclically Adjusted Book per Share

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's Cyclically Adjusted PB Ratio Distribution in the 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.


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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 Mar. 2025 was:

Adj_Book= Book Value per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=246.374/157.0208*157.0208
=246.374

Current CPI (Mar. 2025) = 157.0208.

Kruk Quarterly Data

Book Value per Share CPI Adj_Book
201506 39.304 100.448 61.440
201509 42.684 99.634 67.269
201512 45.077 99.471 71.157
201603 48.738 98.983 77.315
201606 50.097 99.552 79.016
201609 54.120 99.064 85.783
201612 66.021 100.366 103.288
201703 70.287 101.018 109.254
201706 73.656 101.180 114.306
201709 79.484 101.343 123.152
201712 77.649 102.564 118.877
201803 84.493 102.564 129.355
201806 87.213 103.378 132.468
201809 90.103 103.378 136.857
201812 91.722 103.785 138.770
201903 96.530 104.274 145.360
201906 96.681 105.983 143.239
201909 103.567 105.983 153.441
201912 103.227 107.123 151.311
202003 102.960 109.076 148.216
202006 0.000 109.402 0.000
202009 108.770 109.320 156.230
202012 107.505 109.565 154.069
202103 115.048 112.658 160.352
202106 116.071 113.960 159.929
202109 127.618 115.588 173.363
202112 136.792 119.088 180.364
202203 151.555 125.031 190.332
202206 151.616 131.705 180.759
202209 162.120 135.531 187.826
202212 168.436 139.113 190.119
202303 181.458 145.950 195.222
202306 178.543 147.009 190.703
202309 192.846 146.113 207.242
202312 196.252 147.741 208.579
202403 215.169 149.044 226.686
202406 212.607 150.997 221.088
202409 227.432 153.439 232.741
202412 233.670 154.660 237.237
202503 246.374 157.021 246.374

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


Kruk  (WAR:KRU) 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
=399.20/153.57
=2.60

* 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 5.69. The lowest was 1.22. And the median was 3.37.


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

Thank you for viewing the detailed overview of Kruk's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Kruk Business Description

Industry
Traded in Other Exchanges
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.

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