KRUK S.A.: Interim Reports 4Q 2025

Interim Reports 4Q 2025

The Management Board of KRUK S. A. publishes KRUK Group's report for the period January 1st- December 31th 2025, issued on February 26th 2026
The report consists of three parts:
1. KRUK Group FS 4Q2025_1part
2. KRUK FS 4Q2025_2part
3. KRUK's 4Q 2025 additional information_3part

Financial highlights	PLN '000		EUR '000
For the period	1 Jan-31 Dec 2025 unaudited	1 Jan-31 Dec 2024	1 Jan-31 Dec 2025 unaudited	1 Jan-31 Dec 2024
Revenue	3,190,651	2,907,553	753,009	675,515
Operating profit	1,577,786	1,412,434	372,365	328,153
Profit before tax	1,136,074	1,010,405	268,119	234,749
Net profit attributable to owners of the Parent	1,085,008	1,073,954	256,067	249,513
Net cash from operating activities	293,325	(499,135)	69,226	(115,965)
Purchase of debt portfolios at prices as per agreement	2,222,932	2,827,896	524,623	657,009
Cash recoveries	3,919,748	3,536,311	925,080	821,595
Net cash from investing activities	(83,927)	(36,409)	(19,807)	(8,459)
Net cash from financing activities	(211,559)	361,873	(49,929)	84,074
Net change in cash	(2,161)	(173,671)	(510)	(40,349)
Diluted earnings per share (PLN/EUR)	52.99	52.43	12.51	12.18
Average number of shares ('000)	19,403	19,338	19,403	19,338
Earnings per share (PLN/EUR)	55.92	55.54	13.20	12.90
As at	31 Dec 2025 unaudited	31 Dec 2024	31 Dec 2025 unaudited	31 Dec 2024
Total assets	13,032,173	11,648,879	3,083,297	2,726,159
Non-current liabilities	7,075,799	6,504,482	1,674,072	1,522,228
Current liabilities	629,910	615,740	149,031	144,100
Equity	5,326,464	4,528,657	1,260,194	1,059,831
Share capital	19,492	19,382	4,612	4,536
Book value per ordinary share	273.26	233.65	64.65	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 2026-02-26 17:19 CET.