Kruk (WAR:KRU) Margin of Safety % (DCF Earnings Based): 67.15% (As of Jul. 04, 2026)


WAR:KRU Kruk SA WAR:KRU
83 GF Score
Price zł421.80
GF Value zł604.72
Valuation Possible Value Trap
! 7 Warning Signs
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What is Kruk Margin of Safety % (DCF Earnings Based)?

Kruk WAR:KRU -0.14% 83 Margin of Safety % (DCF Earnings Based) is 67.15% as of Jul. 04, 2026. GuruFocus rates WAR:KRU with a GF Score™ of 83/100 and a GF Value™ of zł604.72 (Possible Value Trap). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-04), Kruk's Predictability Rank is 3-Stars. Kruk's intrinsic value calculated from the Discounted Earnings model is zł1283.85 and current share price is zł421.80. Consequently,

Kruk's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 67.15%.

WAR:KRU vs V, MA, AXP: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, Kruk's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Kruk's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Kruk's Margin of Safety % (DCF Earnings Based) falls into.


WAR:KRU
83GF Score
Kruk SA WAR:KRU
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Kruk Margin of Safety % (DCF Earnings Based) Calculation

Kruk's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(1283.85-421.80)/1283.85
=67.15 %

* 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 intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 67.15% mean?
Kruk (WAR:KRU) has a Margin of Safety % (DCF Earnings Based) of 67.15% as of Jul. 04, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Kruk.
Is Kruk's Margin of Safety % (DCF Earnings Based) too high?
Kruk's current Margin of Safety % (DCF Earnings Based) is 67.15%. Overall, Kruk has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kruk's Margin of Safety % (DCF Earnings Based) compare to V and MA?
Kruk's Margin of Safety % (DCF Earnings Based) of 67.15% 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 Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Kruk. Kruk's current Margin of Safety % (DCF Earnings Based) is 67.15%. 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 (WAR:KRU) is currently considered Possible Value Trap. The stock's GF Value™ is zł604.72, compared to a current price of zł421.80 — trading 30.2% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 67.15%. Kruk's overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Kruk (WAR:KRU), the current Margin of Safety % (DCF Earnings Based) is 67.15% as of Jul. 04, 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 (WAR:KRU) Overvalued in 2026?

Based on GuruFocus' analysis, Kruk stock appears to be undervalued. The current stock price of zł421.80 is trading 30.2% below its estimated GF Value™ of zł604.72. GuruFocus considers Kruk to be Possible Value Trap.

Key valuation signals for WAR:KRU:

  • Margin of Safety % (DCF Earnings Based): 67.15%
  • GF Value™: zł604.72 vs. price of zł421.80 (30.2% below fair value)
  • GF Score™: 83/100 with 7 warning signs

No single metric tells the full story. See the WAR:KRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kruk Business Description

Other Exchanges KRKKF:USA83I:Germany
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.
83GF Score

Get the complete analysis for WAR:KRU

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł421.80
Price
zł604.72
GF Value