Kruk reports 44.00 percent lower Q3 spending. Kruk stock falls 2.30 percent.

Published on 10/09/2026 at 14:15 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

KRUK recovered PLN 960 million in the third quarter, down 5.00 percent year over year. Kruk stock costs EUR 84.51 on October 9, 2026 after EUR 86.50.

Key points in brief

KRUK reported Q3 2026 debt-portfolio spending of PLN 347 million, down 44.00 percent year over year.
Recoveries reached PLN 960 million, down 5.00 percent from Q3 2025.
Kruk stock was EUR 84.51 at Lang & Schwarz on October 9, 2026, down 2.30 percent versus EUR 86.50.

Kruk, PLKRK0000010, Illustration mit AI erstellt.

Kruk (ISIN PLKRK0000010) reported PLN 347 million of debt-portfolio spending in the third quarter of 2026, down 44.00 percent from the same period a year earlier. Kruk stock was trading at EUR 84.51 at Lang & Schwarz on October 9, 2026, down 2.30 percent versus the prior close of EUR 86.50.

Q3 spending falls sharply

According to TradingView on October 9, 2026, KRUK spent PLN 347 million on purchased debt portfolios in the third quarter, compared with PLN 622 million in the third quarter of 2025. The nominal value of debt purchased fell to PLN 1.40 billion from PLN 2.77 billion, while recoveries declined to PLN 960 million from PLN 1.01 billion.

The latest release points to a smaller purchasing program rather than a collapse in collections. The recovery decline was 5.00 percent, materially less than the 44.00 percent reduction in spending, leaving the relationship between deployed capital and cash recovery as the central operating question.

What does the update mean for investment?

KRUK's first-half 2026 results provide the longer baseline. The company reported PLN 555 million of net profit for the six months ended June 30, 2026, down 5.00 percent year over year, while cash EBITDA rose 8.00 percent, according to SII on September 11, 2026.

That contrast matters because cash generation and accounting profit are moving in different directions. The first-half report also showed PLN 1.57 billion of revenue, PLN 421.3 million of operating cash flow and PLN 354.3 million of free cash flow, according to Stockd.

Three dated operating signals

On July 9, 2026, KRUK reported PLN 1.04 billion of recoveries from purchased debt portfolios. On August 26, 2026, it released first-half results showing PLN 555 million of net profit. On October 9, 2026, the Q3 update showed PLN 347 million of portfolio spending and PLN 960 million of recoveries.

Next reporting date

KRUK is scheduled to publish its third-quarter 2026 report on October 27, 2026, according to Marketscreener.

Stock declines into the next report

Kruk stock was trading at EUR 84.51 at Lang & Schwarz on October 9, 2026 at 2:11 p.m. CEST, down 2.30 percent versus the prior close of EUR 86.50. On the Warsaw Stock Exchange, the share was last quoted at PLN 369.10 on October 9, 2026 at 2:00 p.m. CEST, down 2.10 percent in the finance quote.

The further course of trading is shown by the continuously updated real-time quote of Kruk stock.