Kruk (FRA:83I) Interest Expense: €-5.4 Mil (TTM As of Mar. 2026)


FRA:83I Kruk SA FRA:83I
88 GF Score
Price €89.92
GF Value €135.30
Valuation Possible Value Trap
! 7 Warning Signs
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What is Kruk Interest Expense?

Kruk FRA:83I -2.62% 88 Interest Expense is €-5.4 Mil as of Mar. 2026. GuruFocus rates FRA:83I with a GF Score™ of 88/100 and a GF Value™ of €135.30 (Possible Value Trap). The stock has 7 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Kruk's interest expense for the three months ended in Mar. 2026 was € -2.7 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was €-5.4 Mil.

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. Kruk's Operating Income for the three months ended in Mar. 2026 was € 61.6 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 23.11. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Kruk  (FRA:83I) Interest Expense Explanation

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. The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Kruk's Interest Expense for the three months ended in Mar. 2026 was €-2.7 Mil. Its Operating Income for the three months ended in Mar. 2026 was €61.6 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Mar. 2026 was €1,602.8 Mil.

Kruk's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*61.643/-2.667
=23.11

* 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.

The higher the ratio, the stronger the company's financial strength is.

Kruk Interest Expense Historical Data

* Premium members only.

The historical data trend for Kruk's Interest Expense 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.

Kruk Interest Expense Chart

Kruk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.11 -2.84 -3.00 -6.77 -2.34

Kruk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense 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 -2.67 -0.41 -0.84 -1.52 -2.67
FRA:83I
88GF Score
Kruk SA FRA:83I
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Kruk Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 €-5.4 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of €-5.4 Mil mean?
Kruk (FRA:83I) has a Interest Expense of €-5.4 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Kruk and its competitors.
Is Kruk's Interest Expense too high?
Kruk's current Interest Expense is €-5.4 Mil. 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 Interest Expense compare to V and MA?
Kruk's Interest Expense of €-5.4 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Credit Services company?
A good Interest Expense depends on the Credit Services industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Kruk and its competitors. Kruk's current Interest Expense is €-5.4 Mil. 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 €135.30, compared to a current price of €89.92 — trading 33.5% below its estimated fair value. The current Interest Expense is €-5.4 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Kruk (FRA:83I), the current Interest Expense is €-5.4 Mil 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 €89.92 is trading 33.5% below its estimated GF Value™ of €135.30. GuruFocus considers Kruk to be Possible Value Trap.

Key valuation signals for FRA:83I:

  • Interest Expense: €-5.4 Mil
  • GF Value™: €135.30 vs. price of €89.92 (33.5% below fair value)
  • GF Score™: 88/100 with 7 warning signs

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 Business Description

Other Exchanges KRKKF:USAKRU:Poland
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.
88GF Score

Get the complete analysis for FRA:83I

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€89.92
Price
€135.30
GF Value