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.
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.
Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Kruk's selling, general, & admin. expense for the
three
months ended in Jun. 2026 was zł134 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Jun. 2026 was zł625 Mil.
Kruk (LTS:0Q3Y) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Kruk Selling, General, & Admin. Expense Related Terms
Kruk Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Kruk's Selling, General, & Admin. Expense 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.
LTS:0Q3Y vs V, MA, AXP: Selling, General, & Admin. Expense Comparison
For the Credit Services subindustry, Kruk's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Kruk's Selling, General, & Admin. Expense falls into.
Kruk Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł625 Mil.
* 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.
What does a Selling, General, & Admin. Expense of zł625 Mil mean?
Kruk (LTS:0Q3Y) has a Selling, General, & Admin. Expense of zł625 Mil as of Jun. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Kruk and its competitors.
Is Kruk's Selling, General, & Admin. Expense too high?
Kruk's current Selling, General, & Admin. Expense is zł625 Mil. Overall, Kruk has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Kruk's Selling, General, & Admin. Expense compare to V and MA?
Kruk's Selling, General, & Admin. Expense of zł625 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Credit Services company?
A good Selling, General, & Admin. Expense depends on the Credit Services industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Kruk and its competitors. Kruk's current Selling, General, & Admin. Expense is zł625 Mil. 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?
Kruk (LTS:0Q3Y) has a current Selling, General, & Admin. Expense of zł625 Mil. The stock's GF Value™ is zł371.41, compared to a current price of zł256.00 — trading 31.1% below its estimated fair value. The current Selling, General, & Admin. Expense is zł625 Mil. Kruk's overall GF Score™ is 84/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Kruk (LTS:0Q3Y), the current Selling, General, & Admin. Expense is zł625 Mil as of Jun. 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 (LTS:0Q3Y) Overvalued in 2026?
Based on GuruFocus' analysis, Kruk stock appears to be undervalued.
The current stock price of zł256.00 is trading 31.1% below its estimated GF Value™ of zł371.41.
Key valuation signals for LTS:0Q3Y:
Selling, General, & Admin. Expense: zł625 Mil
GF Value™: zł371.41 vs. price of zł256.00 (31.1% below fair value)
No single metric tells the full story. See the LTS:0Q3Y 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.
84GF Score
Get the complete analysis for LTS:0Q3Y
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0Q3Y has been successfully added to your 
