KRUK S.A.: Interim Reports 3Q 2025

Interim Reports 3Q 2025

The Management Board of KRUK S. A. publishes KRUK Group's report for the period January 1st- September 30th 2025, issued on October 29th 2025
The report consists of three parts:
1. KRUK Group FS 3Q2025_1part
2. KRUK FS 3Q2025_2part
3. KRUK's 3Q 2025 additional information_3part

Financial highlights	PLN '000		EUR '000
For the period	1 Jan-30 Sep 2025 unaudited	1 Jan-30 Sep 2024 unaudited	1 Jan-30 Sep 2025 unaudited	1 Jan-30 Sep 2024 unaudited
Revenue	2,403,047	2,324,643	567,225	540,338
Operating profit	1,218,959	1,246,785	287,728	289,802
Profit before tax	891,035	957,498	210,323	222,560
Net profit attributable to owners of the Parent	876,620	958,753	206,921	222,852
Net cash from operating activities	427,693	95,197	100,954	22,128
Purchase of debt portfolios at prices as per agreement	1,426,964	1,642,678	336,826	381,823
Cash recoveries	2,920,909	2,601,666	689,463	604,729
Net cash from investing activities	(56,349)	(17,421)	(13,301)	(4,049)
Net cash from financing activities	(271,908)	(287,874)	(64,182)	(66,913)
Net change in cash	99,436	(210,098)	23,471	(48,835)
Diluted earnings per share (PLN/EUR)	42.94	46.84	10.14	10.89
Average number of shares ('000)	19,396	19,323	19,396	19,323
Earnings per share (PLN/EUR)	45.20	49.62	10.67	11.53
As at	30 Sep 2025 unaudited	31 Dec 2024	30 Sep 2025 unaudited	31 Dec 2024
Total assets	12,629,726	11,648,879	2,958,336	2,726,159
Non-current liabilities	6,982,066	6,504,482	1,635,451	1,522,228
Current liabilities	563,802	615,740	132,063	144,100
Equity	5,083,858	4,528,657	1,190,822	1,059,831
Share capital	19,403	19,382	4,545	4,536
Book value per ordinary share	262.01	233.65	61.37	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. The information was submitted for publication, through the agency of the contact persons set out above, at 2025-10-29 17:17 CET.