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KrukFRA:83I -1.06%88 EV-to-EBITDA is 9.79 as of Aug. 22, 2026, which is 4% above its 10-year median of 9.39. GuruFocus rates FRA:83I with a GF Score™ of 88/100 and a GF Value™ of €137.45 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 330 Credit Services companies, Kruk ranks better than 73.64% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Kruk's enterprise value is €2,828.0 Mil.
Kruk's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €288.7 Mil. Therefore, Kruk's EV-to-EBITDA for today is 9.79.
The historical rank and industry rank for Kruk's EV-to-EBITDA or its related term are showing as below:
FRA:83I'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -1.92 Med: 9.39 Max: 15.78
Current: 10.02
During the past 13 years, the highest EV-to-EBITDA of Kruk was 15.78. The lowest was -1.92. And the median was 9.39.
FRA:83I's EV-to-EBITDA is ranked better than 73.64% of 330
companies
in the Credit Services industry
Industry Median: 21.055
vs FRA:83I: 10.02
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-08-22), Kruk's stock price is €94.92.
Kruk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €12.671. Therefore, Kruk's PE Ratio (TTM) for today is 7.49.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Kruk's share price for today is €94.92.
Kruk's Earnings per Share (Diluted) 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 €12.671.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Kruk's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Kruk's EV-to-EBITDA falls into.
Kruk's current Enterprise Value is €2,828.0 Mil.
Kruk's EBITDA 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 €288.7 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-EBITDA of 9.79 as of Aug. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Kruk. This is near median its historical median of 9.39. According to the industry distribution chart, Kruk ranks #87 out of 330 companies in the Credit Services industry, placing it in the top 26.4%.
Is Kruk's EV-to-EBITDA too high?
Kruk's current EV-to-EBITDA of 9.79 is near median its 10-year median of 9.39. The Credit Services industry median EV-to-EBITDA is 21.06. Kruk's value of 9.79 is 53.5% below this industry median. Based on the distribution chart, Kruk ranks #87 out of 330 companies in the Credit Services industry, which is above the industry midpoint. Overall, Kruk has a GF Score™ of 88/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kruk's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #87 out of 330 companies for EV-to-EBITDA. This puts Kruk in the upper half of its industry. The industry median EV-to-EBITDA is 21.06. Kruk's value of 9.79 is 53.5% below this benchmark. While the company's 10-year median is 9.39 vs. the industry median of 21.06, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.06, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current EV-to-EBITDA of 9.79 is 53.5% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Kruk. For the Credit Services industry, the median EV-to-EBITDA is 21.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current EV-to-EBITDA is 9.79, which is near median its own 10-year median of 9.39. 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 €137.45, compared to a current price of €94.92 — trading 30.9% below its estimated fair value. The current EV-to-EBITDA is 9.79, which is near median its 10-year median of 9.39 and 53.5% below the Credit Services industry median of 21.06. Kruk's overall GF Score™ is 88/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Kruk (FRA:83I), the current EV-to-EBITDA is 9.79 as of Aug. 22, 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 €94.92 is trading 30.9% below its estimated GF Value™ of €137.45.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for FRA:83I:
EV-to-EBITDA: 9.79 (near median its 10-year median of 9.39)
GF Value™: €137.45 vs. price of €94.92 (30.9% below fair value)
Industry Position: 53.5% below the Credit Services median (#87 of 330)
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.
88GF Score
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