Interim Reports 1Q 2025

MFN Publicerad: Igår 17:18

The Management Board of KRUK S. A. publishes KRUK Group’s report for the period January 1st- March 31st 2025, issued on April 28th 2025.

The report consists of three parts:

Financial highlights

Financial highlights	PLN ‘000		EUR ‘000
For the period	1 Jan–31 Mar 2025 unaudited	1 Jan–31 Mar 2024 unaudited	1 Jan–31 Mar 2025 unaudited	1 Jan–31 Mar 2024 unaudited
Revenue	802,199	748,137	191,694	173,136
Operating profit	393,417	418,003	94,011	96,735
Profit before tax	280,745	325,484	67,087	75,324
Net profit attributable to owners of the Parent	251,625	338,334	60,128	78,298
Net cash from operating activities	445,227	231,580	106,391	53,593
Purchase of debt portfolios at prices as per agreement	228,806	335,198	54,675	77,572
Cash recoveries	923,435	854,321	220,664	197,709
Net cash from investing activities	(22,386)	(711)	(5,349)	(165)
Net cash from financing activities	(408,688)	(334,488)	(97,660)	(77,408)
Net change in cash	14,153	(103,619)	3,382	(23,980)
Diluted earnings per share (PLN/EUR)	12.35	16.55	2.95	3.83
Average number of shares (‘000)	19,386	19,319	19,386	19,319
Earnings per share (PLN/EUR)	12.98	17.51	3.10	4.05

As at	31 Mar 2025 unaudited	31 Dec 2024	31 Mar 2025 unaudited	31 Dec 2024
Total assets	11,652,331	11,648,879	2,785,041	2,726,159
Non-current liabilities	6,319,326	6,504,482	1,510,391	1,522,228
Current liabilities	554,577	615,740	132,550	144,100
Equity	4,778,428	4,528,657	1,142,099	1,059,831
Share capital	19,396	19,382	4,636	4,536
Book value per ordinary share	246.36	233.65	58.88	54.68

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