Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Kruk's operating assets for the quarter that ended in Mar. 2026 was €2,276.8 Mil. Kruk's operating liabilities for the quarter that ended in Mar. 2026 was €126.3 Mil. Kruk's Total Assets for the quarter that ended in Dec. 2025 was €3,002.1 Mil. Therefore, Kruk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.72.
Kruk Scaled Net Operating Assets Related Terms
Kruk Scaled Net Operating Assets Historical Data
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The historical data trend for Kruk's Scaled Net Operating Assets 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: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Kruk's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Kruk's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.72 mean?
Kruk (FRA:83I) has a Scaled Net Operating Assets of 0.72 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kruk and its competitors.
Is Kruk's Scaled Net Operating Assets too high?
Kruk's current Scaled Net Operating Assets is 0.72. 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 Scaled Net Operating Assets compare to V and MA?
Kruk's Scaled Net Operating Assets of 0.72 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kruk and its competitors. Kruk's current Scaled Net Operating Assets is 0.72. 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 Scaled Net Operating Assets is 0.72. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Kruk (FRA:83I), the current Scaled Net Operating Assets is 0.72 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 €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:
Scaled Net Operating Assets: 0.72
GF Value™: €134.64 vs. price of €93.46 (30.6% below fair value)
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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