Sector pending / Consumer Credit Reporting Agencies, MercantileUpdated 2026-05-10 22:07 UTC

FRA/83I stock hub

FRA/83I has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/83I

In the news

Latest news · FRA/83I

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E6.8

P25 n/aP50 n/aP75 n/a

Trailing P/E7.8

P25 n/aP50 n/aP75 n/a

ROE21.1

P25 n/aP50 n/aP75 n/a

ROIC16.8

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/83I market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

207

Groups with data

Currency

PLN

Showing 207 of 207 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Poland
Country code	DE
Employees	3,390
Employees Change	68%
Employees Change Percent	1.92
Enterprise value	EUR 3.6B
Exchange	Frankfurt Stock Exchange
Financial currency	PLN
First seen	2026-05-10
Industry	Consumer Credit Reporting Agencies, Mercantile
Last refreshed	2026-05-10
Market cap	EUR 2B
Price	EUR 97.96
Price currency	EUR
Rev Per Employee	178,944.57x
Sic	7320
Symbol	fra/83I
Website	https://www.pl.kruk.eu

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	12.78%
EV Earnings	14.26x
EV/EBIT	7.46x
EV/EBITDA	7.29x
EV/FCF	-120.68x
EV/Sales	5.91x
FCF yield	-1.51%
Forward P/E	6.79x
P/B ratio	1.52x
P/E ratio	7.82x
P/S ratio	3.29x
PE Ratio10 Y	12.18x
PE Ratio3 Y	8.29x
PE Ratio5 Y	8.09x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	79.16%
EBITDA Margin	79.87%
Gross margin	73.73%
Gross Profit	EUR 447.2M
Gross Profit Growth	16.88%
Gross Profit Growth Q	15.94%
Gross Profit Growth3 Y	25.24%
Gross Profit Growth5 Y	20.45%
Net Income	EUR 255.1M
Net Income Growth	10.98%
Net Income Growth Q	4.24%
Net Income Growth3 Y	11.26%
Net Income Growth5 Y	32.25%
Pretax Margin	43.22%
Profit Margin	42.05%
Profit Per Employee	EUR 75,238
ROA	10.22
Roa5y	11.72
ROCE	16.15
ROE	21.06
Roe5y	26.65
ROIC	16.8
Roic5y	19.54

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	6%
Cagr3y	11.57%
Cagr5y	24.07%
Div CAGR3	14.88%
EPS Growth	10.47
EPS Growth Q	2.51
EPS Growth3 Y	10.03
EPS Growth5 Y	30.71
FCF Growth Q	-78.03%
OCF Growth Q	-72%
Revenue Growth	13.21x
Revenue Growth Q	10.59x
Revenue Growth3 Y	18.37x
Revenue Growth5 Y	18.06x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.21
Assets	EUR 3.2B
Cash	EUR 105.3M
Current Assets	EUR 281.1M
Current Liabilities	EUR 94M
Debt	EUR 1.7B
Debt EBITDA	EUR 3.5
Debt Equity	EUR 1.31
Debt FCF	EUR -57.18
Equity	EUR 1.3B
Interest Coverage	4.19
Liabilities	EUR 1.8B
Long Term Assets	EUR 2.9B
Long Term Liabilities	EUR 1.8B
Net Cash	EUR -1.6B
Net Cash By Market Cap	EUR -81.13
Net Debt EBITDA	EUR 3.34
Net Debt Equity	EUR 1.23
Tangible Book Value	EUR 1.3B
Tangible Book Value Per Share	EUR 65.55

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.5
Inventory Turnover	64.2
Net Working Capital	EUR 84.3M
Quick ratio	0.68
Working Capital	EUR 92.1M
Working Capital Turnover	EUR 1.75

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.46%
Dividend Growth	-43.72%
Dividend Growth Years	5%
Dividend per share	EUR 4.24
Dividend Years	5
Dividend Yield	4.33%
Ex Div Date	2025-07-09
Last Dividend	EUR 4.24
Payout Frequency	Annual
Payout Ratio	31.88%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	6%
200-day SMA	106.2
3Y total return	38.91%
50-day SMA	105.2
50-day SMA vs 200-day SMA	50under200
5Y total return	193.97%
All Time High	119
All Time High Change	-17.68%
All Time High Date	2025-12-23
All Time Low	38.04
All Time Low Change	157.52%
All Time Low Date	2021-03-25
ATR	3.57
Ch YTD	-14.03
High	97.96
High52	119
High52 Date	2025-12-23
High52ch	-17.68%
Low	97.96
Low52	87.22
Low52 Date	2025-06-24
Low52ch	12.31%
Ma50ch	-6.9%
Price vs 200-day SMA	-7.76%
RSI	41.09
RSI Monthly	49.14
RSI Weekly	40.33
Sharpe ratio	0.36x
Sortino ratio	0.7
Total Return	3.87%
Tr YTD	-14.03
Tr1m	-7.28%
Tr1w	-4.2%
Tr3m	-11.75%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 480.2M
Operating Income Growth	27.7
Operating Income Growth Q	-20.98
Operating Income Growth3 Y	16.24
Operating Income Growth5 Y	23.38
Operating margin	79.16

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	17,659,568%
Net Borrowing	231,981,856.6
Shares Insiders	9.64%
Shares Institutions	76.81%
Shares Qo Q	-0.08%
Shares Yo Y	0.46%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -35.8M
Average Volume	2.4x
Bv Per Share	67.3
CAPEX	EUR -23.8M
Ch1m	-7.28
Ch1w	-4.2
Ch1y	1.09
Ch3m	-11.75
Ch3y	22.76
Ch5y	138.1
Ch6m	-7.01
Change	-1.27%
Change From Open	0
Close	99.22
Days Gap	-1.27
Depreciation Amortization	4,335,267.5
Earnings Date	2026-04-29
EBIT	EUR 480.2M
EBITDA	EUR 484.5M
EPS	EUR 12.4
F Score	4
FCF	EUR -30.1M
FCF EV Yield	-0.83x
Financing CF	60,068,539
Fiscal Year End	December
Founded	1,998
Goodwill	1,870,943.1
Graham Number	134.72483
Graham Upside	37.53
Income Tax	EUR 6.9M
Investing CF	-21,567,446
Is Primary Listing	0
Last Earnings Date	2026-04-29
Last Report Date	2026-03-31
Lynch Fair Value	EUR 313
Lynch Upside	219.6
Ma150	107.9
Ma150ch	-9.19%
Ma20	107.5
Ma20ch	-8.88%
Net CF	32,157,493
Next Earnings Date	2026-08-26
Open	97.96
Payment Date	2025-09-25
Ppne	29,388,642
Price Date	2026-05-08
Price EBITDA	EUR 4.12
Ptbv Ratio	1.56
Relative Volume	7.08x
Revenue	606,622,085x
SBC By Revenue	0.92x
Share Based Comp	5,606,838
Tax By Revenue	1.14x
Tax Rate	2.64%
Tr6m	-7.01%
Z Score	1.89

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/83I dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+4.3%

$4.24 annual per share

Payout ratio

+31.9%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

5 consecutive years of growth

Total shareholder yield

+3.9%

Next ex-dividend date: 2025-07-09

Performance

FRA/83I stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/83I?

Insider, institutional, and short-interest positioning.

Institutional ownership

+76.8%

Share of float held by funds and institutions

Insider ownership

+9.6%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+0.5%

Negative means the company is buying back shares.

Technical

FRA/83I momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

41.1

Neutral momentum band

Price vs 200-day MA

-7.8%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.36

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/83I

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/83I stock rating?

fra/83I is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/83I analysis?

The full report lives at /stocks/fra/83I/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/83I?

The latest report frames fra/83I around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/83I page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.