OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Kruk's Cash Flow from Operations for the
three
months ended in Mar. 2026 was zł125 Mil. Kruk's Revenue for the
three
months ended in Mar. 2026 was zł674 Mil. Therefore, Kruk's OCF Margin % for the quarter that ended in Mar. 2026 was 18.49%.
The historical rank and industry rank for Kruk's OCF Margin % or its related term are showing as below:
WAR:KRU'
s OCF Margin % Range Over the Past 10 Years
Min: -79.54 Med: -23.67 Max: 64.05
Current: -1.05
During the past 13 years, the highest OCF Margin % of Kruk was 64.05%. The lowest was -79.54%. And the median was -23.67%.
WAR:KRU's OCF Margin % is ranked worse than 54.91% of 530
companies
in the Credit Services industry
Industry Median: 2.225
vs WAR:KRU: -1.05
Kruk OCF Margin % Related Terms
Kruk OCF Margin % Historical Data
* Premium members only.
The historical data trend for Kruk's OCF Margin % 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.
For the Credit Services subindustry, Kruk's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Kruk's OCF Margin % falls into.
* 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 (WAR:KRU) has a OCF Margin % of 18.49% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Kruk and its competitors. According to the industry distribution chart, Kruk ranks #291 out of 530 companies in the Credit Services industry, placing it in the top 54.9%.
Is Kruk's OCF Margin % too high?
Kruk's current OCF Margin % is 18.49%. The Credit Services industry median OCF Margin % is 2.23. Kruk's value of 18.49% is 731% above this industry median. Based on the distribution chart, Kruk ranks #291 out of 530 companies in the Credit Services industry, which is below the industry midpoint. 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #291 out of 530 companies for OCF Margin %. This places Kruk in the lower half of its industry. The industry median OCF Margin % is 2.23. Kruk's value of 18.49% is 731% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.23, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current OCF Margin % of 18.49% is 731% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Kruk and its competitors. For the Credit Services industry, the median OCF Margin % is 2.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current OCF Margin % is 18.49%. 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 OCF Margin % is 18.49% and 731% above the Credit Services industry median of 2.23. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Kruk (WAR:KRU), the current OCF Margin % is 18.49% 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 (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:
OCF Margin %: 18.49%
GF Value™: zł604.72 vs. price of zł421.80 (30.2% below fair value)
Industry Position: 731% above the Credit Services median (#291 of 530)
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 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
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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