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KrukFRA:83I -0.62%87 EV-to-EBIT is 10.25 as of Aug. 21, 2026, which is 3% above its 10-year median of 9.94. GuruFocus rates FRA:83I with a GF Score™ of 87/100 and a GF Value™ of €139.80 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 317 Credit Services companies, Kruk ranks better than 74.45% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Kruk's Enterprise Value is €2,801.0 Mil.
Kruk's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was €273.3 Mil. Therefore, Kruk's EV-to-EBIT for today is 10.25.
The historical rank and industry rank for Kruk's EV-to-EBIT or its related term are showing as below:
FRA:83I'
s EV-to-EBIT Range Over the Past 10 Years
Min: -2.4 Med: 9.94 Max: 18.88
Current: 10.51
During the past 13 years, the highest EV-to-EBIT of Kruk was 18.88. The lowest was -2.40. And the median was 9.94.
FRA:83I's EV-to-EBIT is ranked better than 74.45% of 317
companies
in the Credit Services industry
Industry Median: 22.09
vs FRA:83I: 10.51
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Kruk's Enterprise Value for the quarter that ended in Mar. 2026 was €2,820.2 Mil.
Kruk's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €273.3 Mil.
* 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 EV-to-EBIT Related Terms
Kruk EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Kruk's EV-to-EBIT 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.
For the Credit Services subindustry, Kruk's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Kruk's EV-to-EBIT falls into.
Kruk's current Enterprise Value is €2,801.0 Mil.
Kruk's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €273.3 Mil.
* 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 (FRA:83I) has a EV-to-EBIT of 10.25 as of Aug. 21, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Kruk and its competitors. This is near median its historical median of 9.94. According to the industry distribution chart, Kruk ranks #81 out of 317 companies in the Credit Services industry, placing it in the top 25.6%.
Is Kruk's EV-to-EBIT too high?
Kruk's current EV-to-EBIT of 10.25 is near median its 10-year median of 9.94. The Credit Services industry median EV-to-EBIT is 22.09. Kruk's value of 10.25 is 53.6% below this industry median. Based on the distribution chart, Kruk ranks #81 out of 317 companies in the Credit Services industry, which is above the industry midpoint. Overall, Kruk has a GF Score™ of 87/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kruk's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #81 out of 317 companies for EV-to-EBIT. This puts Kruk in the upper half of its industry. The industry median EV-to-EBIT is 22.09. Kruk's value of 10.25 is 53.6% below this benchmark. While the company's 10-year median is 9.94 vs. the industry median of 22.09, Kruk has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.09, based on 317 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current EV-to-EBIT of 10.25 is 53.6% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Kruk and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current EV-to-EBIT is 10.25, which is near median its own 10-year median of 9.94. 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?
Based on GuruFocus' analysis, Kruk (FRA:83I) is currently considered Possible Value Trap. The stock's GF Value™ is €139.80, compared to a current price of €95.94 — trading 31.4% below its estimated fair value. The current EV-to-EBIT is 10.25, which is near median its 10-year median of 9.94 and 53.6% below the Credit Services industry median of 22.09. Kruk's overall GF Score™ is 87/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Kruk (FRA:83I), the current EV-to-EBIT is 10.25 as of Aug. 21, 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 (FRA:83I) Overvalued in 2026?
Based on GuruFocus' analysis, Kruk stock appears to be undervalued.
The current stock price of €95.94 is trading 31.4% below its estimated GF Value™ of €139.80.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for FRA:83I:
EV-to-EBIT: 10.25 (near median its 10-year median of 9.94)
GF Value™: €139.80 vs. price of €95.94 (31.4% below fair value)
Industry Position: 53.6% below the Credit Services median (#81 of 317)
No single metric tells the full story. See the FRA:83I 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.
87GF Score
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