Kruk (WAR:KRU) 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.

WAR:KRU Kruk SA WAR:KRU
83 GF Score
Price zł411.40
GF Value zł618.33
Valuation Possible Value Trap
! 7 Warning Signs
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What is Kruk Net Interest Margin (Bank Only) %?

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

WAR:KRU
83GF Score
Kruk SA WAR:KRU
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Kruk (WAR:KRU) Overvalued in 2026?

Based on GuruFocus' analysis, Kruk stock appears to be undervalued. The current stock price of zł411.40 is trading 33.5% below its estimated GF Value™ of zł618.33. GuruFocus considers Kruk to be Possible Value Trap.

Key valuation signals for WAR:KRU:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: zł618.33 vs. price of zł411.40 (33.5% 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

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

zł411.40
Price
zł618.33
GF Value