KRUK S.A.: Interim Reports 1Q 2026

The Management Board of KRUK S. A. publishes KRUK Group's report for the period January 1st- March 31st 2026, issued on April 28th 2026.

The report consists of three parts:

1. KRUK Group FS Q1 2026_1part
2. KRUK FS Q1 2026_2part
3. KRUK's Q1 2026 additional information_3part

Financial highlights

Financial highlights	PLN '000		EUR '000
For the period	1 Jan-31 Mar 2026 unaudited	1 Jan-31 Mar 2025 unaudited	1 Jan-31 Mar 2026 unaudited	1 Jan-31 Mar 2025 unaudited
Revenue	783,431	802,199	184,689	191,694
Operating profit	384,482	393,417	90,639	94,011
Profit before tax	270,840	280,745	63,849	67,087
Net profit attributable to owners of the Parent	262,290	251,625	61,833	60,128
Net cash from operating activities	124,651	445,227	29,386	106,391
Purchase of debt portfolios at prices as per agreement	512,998	228,806	120,936	54,675
Cash recoveries	971,209	923,435	228,956	220,664
Net cash from investing activities	(31,109)	(22,386)	(7,334)	(5,349)
Net cash from financing activities	60,915	(408,688)	14,360	(97,660)
Net change in cash	154,457	14,153	36,412	3,382
Diluted earnings per share (PLN/EUR)	12.66	12.35	2.99	2.95
Average number of shares ('000)	19,492	19,386	19,492	19,386
Earnings per share (PLN/EUR)	13.46	12.98	3.17	3.10
As at	31 Mar 2026 unaudited	31 Dec 2025	31 Mar 2026 unaudited	31 Dec 2025
Total assets	13,567,735	13,032,173	3,163,085	3,083,297
Non-current liabilities	7,138,752	7,075,799	1,664,278	1,674,072
Current liabilities	793,521	629,910	184,996	149,031
Equity	5,635,462	5,326,464	1,313,811	1,260,194
Share capital	19,492	19,492	4,544	4,612
Book value per ordinary share	289.12	273.26	67.40	64.65

The interim report for the first quarter has not been reviewed by the company's auditor.

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 2026-04-29 17:13 CEST.