KRUK S.A.: Interim Reports 3Q 2026

By Modular Finance16:46 (UTC), 27 October 2026 Updated

The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- September 30th, 2026, issued on October 27th, 2026.

The report consists of three parts:

Financial highlights

Financial highlights	PLN ‘000		EUR ‘000
For the period	1 Jan–30 Sep 2026 unaudited	1 Jan–30 Sep 2025 unaudited	1 Jan–30 Sep 2026 unaudited	1 Jan–30 Sep 2025 unaudited
Revenue	2,299,211	2,403,047	537,199	567,225
Operating profit	1,110,689	1,218,959	259,507	287,728
Profit before tax	794,419	891,035	185,612	210,323
Net profit attributable to owners of the Parent	752,869	876,620	175,904	206,921
Net cash from (used in) operating activities	648,528	427,693	151,525	100,954
Purchase of debt portfolios at prices determined under the agreement	1,211,633	1,426,964	283,092	336,826
Cash recoveries	2,970,651	2,920,909	694,077	689,463
Net cash from (used in) investing activities	(100,294)	(56,349)	(23,433)	(13,301)
Net cash from (used in) financing activities	(495,463)	(271,908)	(115,762)	(64,182)
Net change in cash	52,771	99,436	12,330	23,471
Diluted earnings per share (PLN/EUR)	36.44	42.94	8.51	10.14
Average number of shares (‘000)	19,522	19,396	19,522	19,396
Earnings per share (PLN/EUR)	38.57	45.20	9.01	10.67

As at	30 Sep 2026 unaudited	31 Dec 2025	30 Sep 2026 unaudited	31 Dec 2025
Total assets	13,791,718	13,032,173	3,158,023	3,083,297
Non-current liabilities	6,972,173	7,075,799	1,596,486	1,674,072
Current liabilities	1,015,690	629,910	232,572	149,031
Equity	5,803,855	5,326,464	1,328,965	1,260,194
Share capital	19,543	19,492	4,475	4,612
Book value per ordinary share	296.98	273.26	68.00	64.65

The interim report for the third quarter has not been reviewed by the company’s auditor.