KrukFRA:83I -2.62%88 Return-on-Tangible-Equity is 19.72% as of Mar. 2026, which is 19% below its 10-year median of 24.45. GuruFocus rates FRA:83I with a GF Score™ of 88/100 and a GF Value™ of €135.30 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 525 Credit Services companies, Kruk ranks better than 86.1% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Kruk's annualized net income for the quarter that ended in Mar. 2026 was €240.7 Mil. Kruk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €1,220.6 Mil. Therefore, Kruk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.72%.
The historical rank and industry rank for Kruk's Return-on-Tangible-Equity or its related term are showing as below:
FRA:83I'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.25 Med: 24.45 Max: 30.86
Current: 21.94
During the past 13 years, Kruk's highest Return-on-Tangible-Equity was 30.86%. The lowest was 4.25%. And the median was 24.45%.
FRA:83I's Return-on-Tangible-Equity is ranked better than 86.1% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs FRA:83I: 21.94
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Kruk Return-on-Tangible-Equity Related Terms
Kruk Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Kruk's Return-on-Tangible-Equity 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.
FRA:83I vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Kruk's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Kruk's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.72% mean?
Kruk (FRA:83I) has a Return-on-Tangible-Equity of 19.72% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kruk and its competitors. This is 19% below median its historical median of 24.45. Over the past decade, Kruk's Return-on-Tangible-Equity has ranged from 4.25 to 30.86. According to the industry distribution chart, Kruk ranks #73 out of 525 companies in the Credit Services industry, placing it in the top 13.9%.
Is Kruk's Return-on-Tangible-Equity too high?
Kruk's current Return-on-Tangible-Equity of 19.72% is 19% below median its 10-year median of 24.45. Over the past 10 years, this metric has ranged from a low of 4.25 to a high of 30.86. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Kruk's value of 19.72% is 181.3% above this industry median. Based on the distribution chart, Kruk ranks #73 out of 525 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 88/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kruk's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #73 out of 525 companies for Return-on-Tangible-Equity. This places Kruk in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Kruk's value of 19.72% is 181.3% above this benchmark. Historically, Kruk's own Return-on-Tangible-Equity has ranged from 4.25 to 30.86 over the past decade. While the company's 10-year median is 24.45 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current Return-on-Tangible-Equity of 19.72% is 181.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kruk and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current Return-on-Tangible-Equity is 19.72%, which is 19% below median its own 10-year median of 24.45. 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 €135.30, compared to a current price of €89.92 — trading 33.5% below its estimated fair value. The current Return-on-Tangible-Equity is 19.72%, which is 19% below median its 10-year median of 24.45 and 181.3% above the Credit Services industry median of 7.01. Kruk's overall GF Score™ is 88/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Kruk (FRA:83I), the current Return-on-Tangible-Equity is 19.72% 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 €89.92 is trading 33.5% below its estimated GF Value™ of €135.30.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for FRA:83I:
Return-on-Tangible-Equity: 19.72% (19% below median its 10-year median of 24.45)
GF Value™: €135.30 vs. price of €89.92 (33.5% below fair value)
Industry Position: 181.3% above the Credit Services median (#73 of 525)
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.
88GF Score
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