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KrukLTS:0Q3Y 83 EBITDA Margin % is 50.70% as of Jun. 2026, which is 18% above its 10-year median of 42.97. GuruFocus rates LTS:0Q3Y with a GF Score™ of 83/100 and a GF Value™ of zł376.22. The stock has 6 warning signs investors should review. Among 419 Credit Services companies, Kruk ranks better than 73.99% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Kruk's EBITDA for the
three
months ended in Jun. 2026 was zł348 Mil. Kruk's Revenue for the
three
months ended in Jun. 2026 was zł686 Mil. Therefore, Kruk's EBITDA margin for the quarter that ended in Jun. 2026 was 50.70%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Kruk EBITDA Margin % Related Terms
Kruk EBITDA Margin % Historical Data
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The historical data trend for Kruk's EBITDA Margin % 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.
LTS:0Q3Y vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Kruk's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Kruk's EBITDA Margin % falls into.
* 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 (LTS:0Q3Y) has a EBITDA Margin % of 50.70% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Kruk and its competitors. This is 18% above median its historical median of 42.97. Over the past decade, Kruk's EBITDA Margin % has ranged from 23.19 to 69.16. According to the industry distribution chart, Kruk ranks #109 out of 419 companies in the Credit Services industry, placing it in the top 26%.
Is Kruk's EBITDA Margin % too high?
Kruk's current EBITDA Margin % of 50.70% is 18% above median its 10-year median of 42.97. Over the past 10 years, this metric has ranged from a low of 23.19 to a high of 69.16. The Credit Services industry median EBITDA Margin % is 23.39. Kruk's value of 50.70% is 116.8% above this industry median. Based on the distribution chart, Kruk ranks #109 out of 419 companies in the Credit Services industry, which is above the industry midpoint. Overall, Kruk has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Kruk's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #109 out of 419 companies for EBITDA Margin %. This puts Kruk in the upper half of its industry. The industry median EBITDA Margin % is 23.39. Kruk's value of 50.70% is 116.8% above this benchmark. Historically, Kruk's own EBITDA Margin % has ranged from 23.19 to 69.16 over the past decade. While the company's 10-year median is 42.97 vs. the industry median of 23.39, Kruk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 23.39, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current EBITDA Margin % of 50.70% is 116.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Kruk and its competitors. For the Credit Services industry, the median EBITDA Margin % is 23.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current EBITDA Margin % is 50.70%, which is 18% above median its own 10-year median of 42.97. 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 (LTS:0Q3Y) has a current EBITDA Margin % of 50.70%. The stock's GF Value™ is zł376.22, compared to a current price of zł256.00 — trading 32% below its estimated fair value. The current EBITDA Margin % is 50.70%, which is 18% above median its 10-year median of 42.97 and 116.8% above the Credit Services industry median of 23.39. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Kruk (LTS:0Q3Y), the current EBITDA Margin % is 50.70% 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 (LTS:0Q3Y) Overvalued in 2026?
Based on GuruFocus' analysis, Kruk stock appears to be undervalued.
The current stock price of zł256.00 is trading 32% below its estimated GF Value™ of zł376.22.
Key valuation signals for LTS:0Q3Y:
EBITDA Margin %: 50.70% (18% above median its 10-year median of 42.97)
GF Value™: zł376.22 vs. price of zł256.00 (32% below fair value)
Industry Position: 116.8% above the Credit Services median (#109 of 419)
No single metric tells the full story. See the LTS:0Q3Y stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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