KRUK S.A.: Interim Reports 2Q 2025

Interim Reports 2Q 2025

The Management Board of KRUK S. A. publishes KRUK Group's report for the period January 1st- June 30th 2025, issued on August 26th 2025

Financial highlights	PLN '000		EUR '000
For the period	1 Jan-30 Jun 2025 unaudited	1 Jan-30 Jun 2024 unaudited	1 Jan-30 Jun 2025 unaudited	1 Jan-30 Jun 2024 unaudited
Revenue	1,599,696	1,480,569	379,003	343,448
Operating profit	804,059	770,686	190,499	178,776
Profit before tax	585,365	586,023	138,686	135,940
Net profit attributable to owners of the Parent	584,018	602,657	138,367	139,798
Net cash from operating activities	398,482	333,475	94,409	77,356
Purchase of debt portfolios at prices as per agreement	805,454	899,729	190,830	208,710
Cash recoveries	1,910,305	1,737,547	452,593	403,059
Net cash from investing activities	(40,849)	(5,445)	(9,678)	(1,263)
Net cash from financing activities	(306,293)	(535,446)	(72,568)	(124,207)
Net change in cash	51,340	(207,416)	12,164	(48,114)
Diluted earnings per share (PLN/EUR)	28.71	29.46	6.80	6.83
Average number of shares ('000)	19,392	19,319	19,392	19,319
Earnings per share (PLN/EUR)	30.12	31.20	7.14	7.24
As at	30 Jun 2025 unaudited	31 Dec 2024	30 Jun 2025 unaudited	31 Dec 2024
Total assets	12,098,925	11,648,879	2,852,242	2,726,159
Non-current liabilities	6,491,260	6,504,482	1,530,272	1,522,228
Current liabilities	844,361	615,740	199,053	144,100
Equity	4,763,304	4,528,657	1,122,918	1,059,831
Share capital	19,403	19,382	4,574	4,536
Book value per ordinary share	245.49	233.65	57.87	54.68

Contacts
Anna Kowalczyk
tel. no.: [phone]
e-mail: [e-mail]

Tomasz Kaluziak
tel. no.: [phone]
e-mail: [e-mail]

This information is information that KRUK S.A. is obliged to make public pursuant to the EU Market Abuse Regulation and the Securities Markets Act. The information was submitted for publication, through the agency of the contact persons set out above, at 2025-08-26 17:17 CEST.