Kruk (KRKKF) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KRKKF Kruk SA KRKKF
94 GF Score
Price $124.58
GF Value $124.87
Valuation Fairly Valued
! 7 Warning Signs
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What is Kruk Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

KRKKF
94GF Score
Kruk SA KRKKF
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Kruk (KRKKF) Overvalued in 2026?

Based on GuruFocus' analysis, Kruk stock appears to be undervalued. The current stock price of $124.58 is trading 0.2% below its estimated GF Value™ of $124.87. GuruFocus considers Kruk to be Fairly Valued.

Key valuation signals for KRKKF:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: $124.87 vs. price of $124.58 (0.2% below fair value)
  • GF Score™: 94/100 with 7 warning signs

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

Kruk Business Description

Other Exchanges KRU:Poland83I: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.
94GF Score

Get the complete analysis for KRKKF

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$124.58
Price
$124.87
GF Value