KrukWAR:KRU -0.14%83 Dividend Yield % is 4.74% as of Jul. 04, 2026, which is 42% above its 10-year median of 3.33. GuruFocus rates WAR:KRU with a GF Score™ of 83/100 and a GF Value™ of zł604.72 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 211 Credit Services companies, Kruk ranks better than 59.24% on this metric.
As of today (2026-07-04), the Trailing Annual Dividend Yield of Kruk is 4.74%.
Good Sign:
Kruk SA stock Dividend Yield % is close to 1-year high.
The historical rank and industry rank for Kruk's Dividend Yield % or its related term are showing as below:
WAR:KRU'
s Dividend Yield % Range Over the Past 10 Years
Min: 0.59 Med: 3.33 Max: 7.89
Current: 4.74
During the past 13 years, the highest Dividend Yield of Kruk was 7.89%. The lowest was 0.59%. And the median was 3.33%.
WAR:KRU's Dividend Yield % is ranked better than 59.24% of 211
companies
in the Credit Services industry
Industry Median: 3.97
vs WAR:KRU: 4.74
During the past 3 years, the average Dividends Per Share Growth Rate was 11.50% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Kruk was 49.40% per year. The lowest was 11.50% per year. And the median was 32.90% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Kruk (WAR:KRU) Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
The historical data trend for Kruk's Dividend Yield % 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.
WAR:KRU vs V, MA, AXP: Dividend Yield % Comparison
For the Credit Services subindustry, Kruk's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Kruk's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Kruk's Dividend Yield % falls into.
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Kruk Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
PLN 20.000000
2026-05-29
2026-06-01
2026-06-03
Cash Dividend
annually
PLN:PLN 1.000000
PLN 18.000000
2025-07-09
2025-07-10
2025-09-25
Cash Dividend
annually
PLN:PLN 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Kruk's Trailing Annual Dividend Yield (%) for Today is calculated as
Trailing Annual Dividend Yield
=
Most Recent Full Year Dividend
/
Current Share Price
=
38
/
421.80
=
9.01 %
Current Share Price is zł421.80. Kruk's Dividends per Share for the trailing twelve months (TTM) ended in Today is zł38.
Kruk's Forward Annual Dividend Yield (%) for Today is calculated as
Forward Annual Dividend Yield
=
Forward Full Year Dividend
/
Current Share Price
=
20
/
421.80
=
4.74 %
Current Share Price is zł421.80. Kruk's Dividends per Share for the forward twelve months is calculated as zł20 * 1 = zł20.
* 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 (WAR:KRU) has a Dividend Yield % of 4.74% as of Jul. 04, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Kruk and its competitors. This is 42% above median its historical median of 3.33. Over the past decade, Kruk's Dividend Yield % has ranged from 0.59 to 7.89. According to the industry distribution chart, Kruk ranks #86 out of 211 companies in the Credit Services industry, placing it in the top 40.8%.
Is Kruk's Dividend Yield % too high?
Kruk's current Dividend Yield % of 4.74% is 42% above median its 10-year median of 3.33. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 7.89. The Credit Services industry median Dividend Yield % is 3.97. Kruk's value of 4.74% is 19.4% above this industry median. Based on the distribution chart, Kruk ranks #86 out of 211 companies in the Credit Services industry, which is above 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 Dividend Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Kruk ranks #86 out of 211 companies for Dividend Yield %. This puts Kruk in the upper half of its industry. The industry median Dividend Yield % is 3.97. Kruk's value of 4.74% is 19.4% above this benchmark. Historically, Kruk's own Dividend Yield % has ranged from 0.59 to 7.89 over the past decade. While the company's 10-year median is 3.33 vs. the industry median of 3.97, 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 Dividend Yield % for a Credit Services company?
The median Dividend Yield % among Credit Services companies is 3.97, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kruk's current Dividend Yield % of 4.74% is 19.4% 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Kruk and its competitors. For the Credit Services industry, the median Dividend Yield % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kruk's current Dividend Yield % is 4.74%, which is 42% above median its own 10-year median of 3.33. 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 (WAR:KRU) is currently considered Possible Value Trap. The stock's GF Value™ is zł604.72, compared to a current price of zł421.80 — trading 30.2% below its estimated fair value. The current Dividend Yield % is 4.74%, which is 42% above median its 10-year median of 3.33 and 19.4% above the Credit Services industry median of 3.97. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Kruk (WAR:KRU), the current Dividend Yield % is 4.74% as of Jul. 04, 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 (WAR:KRU) Overvalued in 2026?
Based on GuruFocus' analysis, Kruk stock appears to be undervalued.
The current stock price of zł421.80 is trading 30.2% below its estimated GF Value™ of zł604.72.
GuruFocus considers Kruk to be Possible Value Trap.
Key valuation signals for WAR:KRU:
Dividend Yield %: 4.74% (42% above median its 10-year median of 3.33)
GF Value™: zł604.72 vs. price of zł421.80 (30.2% below fair value)
Industry Position: 19.4% above the Credit Services median (#86 of 211)
No single metric tells the full story. See the WAR:KRU 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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