KrukFRA:83I -0.17%87 Pretax Margin % is 40.19% as of Mar. 2026, which is 1% below its 10-year median of 40.64. GuruFocus rates FRA:83I with a GF Score™ of 87/100 and a GF Value™ of €134.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 533 Credit Services companies, Kruk ranks better than 75.23% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Kruk's Pre-Tax Income for the
three
months ended in Mar. 2026 was €62.4 Mil. Kruk's Revenue for the
three
months ended in Mar. 2026 was €155.3 Mil. Therefore, Kruk's pretax margin for the quarter that ended in Mar. 2026 was 40.19%.
The historical rank and industry rank for Kruk's Pretax Margin % or its related term are showing as below:
FRA:83I'
s Pretax Margin % Range Over the Past 10 Years
Min: 17.61 Med: 40.64 Max: 64.38
Current: 43.23
FRA:83I's Pretax Margin % is ranked better than 75.23% of 533
companies
in the Credit Services industry
Industry Median: 20.19
vs FRA:83I: 43.23
Kruk (FRA:83I) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Kruk Pretax Margin % Related Terms
Kruk Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Kruk's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Kruk's Pretax 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 (FRA:83I) has a Pretax Margin % of 40.19% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Kruk and its competitors. This is near median its historical median of 40.64. Over the past decade, Kruk's Pretax Margin % has ranged from 17.61 to 64.38. According to the industry distribution chart, Kruk ranks #132 out of 533 companies in the Credit Services industry, placing it in the top 24.8%.
Is Kruk's Pretax Margin % too high?
Kruk's current Pretax Margin % of 40.19% is near median its 10-year median of 40.64. Over the past 10 years, this metric has ranged from a low of 17.61 to a high of 64.38. The Credit Services industry median Pretax Margin % is 20.19. Kruk's value of 40.19% is 99.1% above this industry median. Based on the distribution chart, Kruk ranks #132 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Kruk has a GF Score™ of 87/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kruk's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #132 out of 533 companies for Pretax Margin %. This places Kruk in the top 25% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.19. Kruk's value of 40.19% is 99.1% above this benchmark. Historically, Kruk's own Pretax Margin % has ranged from 17.61 to 64.38 over the past decade. While the company's 10-year median is 40.64 vs. the industry median of 20.19, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.19, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current Pretax Margin % of 40.19% is 99.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Kruk and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current Pretax Margin % is 40.19%, which is near median its own 10-year median of 40.64. 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 Pretax Margin % is 40.19%, which is near median its 10-year median of 40.64 and 99.1% above the Credit Services industry median of 20.19. Kruk's overall GF Score™ is 87/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Kruk (FRA:83I), the current Pretax Margin % is 40.19% 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 (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:
Pretax Margin %: 40.19% (near median its 10-year median of 40.64)
GF Value™: €134.64 vs. price of €93.46 (30.6% below fair value)
Industry Position: 99.1% above the Credit Services median (#132 of 533)
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.
87GF Score
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