KrukFRA:83I -0.17%87 Interest Coverage is 23.12 as of Mar. 2026, which is 68% below its 10-year median of 71.51. GuruFocus rates FRA:83I with a GF Score™ of 87/100 and a GF Value™ of €134.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 166 Credit Services companies, Kruk ranks worse than 50.6% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Kruk's
Operating Income
for the
three
months ended in Mar. 2026 was €61.9 Mil. Kruk's Interest Expense for the
three
months ended in Mar. 2026 was €-2.7 Mil.
Kruk's interest coverage for the quarter that ended in Mar. 2026 was 23.12.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Kruk's Interest Coverage or its related term are showing as below:
FRA:83I'
s Interest Coverage Range Over the Past 10 Years
Min: 15.48 Med: 71.51 Max: 143.16
Current: 47.86
FRA:83I's Interest Coverage is ranked worse than 50.6% of 166
companies
in the Credit Services industry
Industry Median: 49.41
vs FRA:83I: 47.86
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Kruk Interest Coverage Related Terms
Kruk Interest Coverage Historical Data
* Premium members only.
The historical data trend for Kruk's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:83I vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Kruk's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Kruk's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 23.12 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kruk and its competitors. This is 68% below median its historical median of 71.51. Over the past decade, Kruk's Interest Coverage has ranged from 15.48 to 143.16. According to the industry distribution chart, Kruk ranks #84 out of 166 companies in the Credit Services industry, placing it in the top 50.6%.
Is Kruk's Interest Coverage too high?
Kruk's current Interest Coverage of 23.12 is 68% below median its 10-year median of 71.51. Over the past 10 years, this metric has ranged from a low of 15.48 to a high of 143.16. The Credit Services industry median Interest Coverage is 49.41. Kruk's value of 23.12 is 53.2% below this industry median. Based on the distribution chart, Kruk ranks #84 out of 166 companies in the Credit Services industry, which is below 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #84 out of 166 companies for Interest Coverage. This places Kruk in the lower half of its industry. The industry median Interest Coverage is 49.41. Kruk's value of 23.12 is 53.2% below this benchmark. Historically, Kruk's own Interest Coverage has ranged from 15.48 to 143.16 over the past decade. While the company's 10-year median is 71.51 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 166 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current Interest Coverage of 23.12 is 53.2% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kruk and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current Interest Coverage is 23.12, which is 68% below median its own 10-year median of 71.51. 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 €134.64, compared to a current price of €93.46 — trading 30.6% below its estimated fair value. The current Interest Coverage is 23.12, which is 68% below median its 10-year median of 71.51 and 53.2% below the Credit Services industry median of 49.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Kruk (FRA:83I), the current Interest Coverage is 23.12 as of Mar. 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 €93.46 is trading 30.6% below its estimated GF Value™ of €134.64.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for FRA:83I:
Interest Coverage: 23.12 (68% below median its 10-year median of 71.51)
GF Value™: €134.64 vs. price of €93.46 (30.6% below fair value)
Industry Position: 53.2% below the Credit Services median (#84 of 166)
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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