KrukFRA:83I -0.17%83 PB Ratio is 1.41 as of Jul. 08, 2026, which is 27% below its 10-year median of 1.94. GuruFocus rates FRA:83I with a GF Score™ of 83/100 and a GF Value™ of €134.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 522 Credit Services companies, Kruk ranks worse than 61.11% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-08), Kruk's share price is €93.46. Kruk's Book Value per Share for the quarter that ended in Mar. 2026 was €66.43. Hence, Kruk's PB Ratio of today is 1.41.
Good Sign:
Kruk SA stock PB Ratio (=1.46) is close to 5-year low of 1.38.
The historical rank and industry rank for Kruk's PB Ratio or its related term are showing as below:
FRA:83I'
s PB Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.94 Max: 5.04
Current: 1.41
During the past 13 years, Kruk's highest PB Ratio was 5.04. The lowest was 0.62. And the median was 1.94.
FRA:83I's PB Ratio is ranked worse than 61.11% of 522
companies
in the Credit Services industry
Industry Median: 1.05
vs FRA:83I: 1.41
During the past 12 months, Kruk's average Book Value Per Share Growth Rate was 17.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 20.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 18.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kruk was 47.00% per year. The lowest was 11.50% per year. And the median was 31.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Kruk PB Ratio Related Terms
Kruk PB Ratio Historical Data
* Premium members only.
The historical data trend for Kruk's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kruk's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Kruk's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Kruk (FRA:83I) has a PB Ratio of 1.41 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kruk and its competitors. This is 27% below median its historical median of 1.94. Over the past decade, Kruk's PB Ratio has ranged from 0.62 to 5.04. According to the industry distribution chart, Kruk ranks #319 out of 522 companies in the Credit Services industry, placing it in the top 61.1%.
Is Kruk's PB Ratio too high?
Kruk's current PB Ratio of 1.41 is 27% below median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 5.04. The Credit Services industry median PB Ratio is 1.05. Kruk's value of 1.41 is 34.3% above this industry median. Based on the distribution chart, Kruk ranks #319 out of 522 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #319 out of 522 companies for PB Ratio. This places Kruk in the lower half of its industry. The industry median PB Ratio is 1.05. Kruk's value of 1.41 is 34.3% above this benchmark. Historically, Kruk's own PB Ratio has ranged from 0.62 to 5.04 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 1.05, Kruk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current PB Ratio of 1.41 is 34.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kruk and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current PB Ratio is 1.41, which is 27% below median its own 10-year median of 1.94. 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 €134.64, compared to a current price of €93.46 — trading 30.6% below its estimated fair value. The current PB Ratio is 1.41, which is 27% below median its 10-year median of 1.94 and 34.3% above the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Kruk (FRA:83I), the current PB Ratio is 1.41 as of Jul. 08, 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 €93.46 is trading 30.6% below its estimated GF Value™ of €134.64.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for FRA:83I:
PB Ratio: 1.41 (27% below median its 10-year median of 1.94)
GF Value™: €134.64 vs. price of €93.46 (30.6% below fair value)
Industry Position: 34.3% above the Credit Services median (#319 of 522)
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 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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