Intrum AB (publ) Logo

Intrum AB (publ)

INTRUM.ST

(2.0)
Stock Price

51,60 SEK

-7.69% ROA

-1.02% ROE

-2.22x PER

Market Cap.

8.900.453.335,00 SEK

336.6% DER

18.28% Yield

-0.94% NPM

Intrum AB (publ) Stock Analysis

Intrum AB (publ) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Intrum AB (publ) Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.36x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

5 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (263) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 ROE

The stock's ROE indicates a negative return (-29.23%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (-10.74%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

8 DER

The company has a high debt to equity ratio (318%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Intrum AB (publ) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Intrum AB (publ) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Intrum AB (publ) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Intrum AB (publ) Revenue
Year Revenue Growth
2002 2.774.900.000
2003 2.864.600.000 3.13%
2004 2.848.800.000 -0.55%
2005 2.823.200.000 -0.91%
2006 2.939.600.000 3.96%
2007 3.225.200.000 8.86%
2008 3.677.700.000 12.3%
2009 4.127.800.000 10.9%
2010 3.766.000.000 -9.61%
2011 3.949.800.000 4.65%
2012 4.139.000.000 4.57%
2013 4.566.000.000 9.35%
2014 5.184.000.000 11.92%
2015 5.628.000.000 7.89%
2016 6.088.000.000 7.56%
2017 9.434.000.000 35.47%
2018 13.442.000.000 29.82%
2019 15.985.000.000 15.91%
2020 16.879.000.000 5.3%
2021 17.789.000.000 5.12%
2022 19.486.000.000 8.71%
2023 19.632.000.000 0.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Intrum AB (publ) Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Intrum AB (publ) General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 -287.800.000
2003 -389.400.000 26.09%
2004 -405.500.000 3.97%
2005 -367.600.000 -10.31%
2006 120.000.000 406.33%
2007 114.300.000 -4.99%
2008 426.800.000 73.22%
2009 506.500.000 15.74%
2010 410.700.000 -23.33%
2011 470.400.000 12.69%
2012 471.000.000 0.13%
2013 484.000.000 2.69%
2014 585.000.000 17.26%
2015 661.000.000 11.5%
2016 678.000.000 2.51%
2017 1.667.000.000 59.33%
2018 2.170.000.000 23.18%
2019 0 0%
2020 0 0%
2021 1.744.000.000 100%
2022 2.295.000.000 24.01%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Intrum AB (publ) EBITDA
Year EBITDA Growth
2002 461.600.000
2003 376.900.000 -22.47%
2004 505.400.000 25.43%
2005 544.800.000 7.23%
2006 673.200.000 19.07%
2007 773.000.000 12.91%
2008 971.000.000 20.39%
2009 1.659.100.000 41.47%
2010 1.713.200.000 3.16%
2011 1.943.500.000 11.85%
2012 1.065.000.000 -82.49%
2013 1.358.000.000 21.58%
2014 1.594.000.000 14.81%
2015 1.779.000.000 10.4%
2016 2.127.000.000 16.36%
2017 2.842.000.000 25.16%
2018 4.842.000.000 41.31%
2019 6.109.000.000 20.74%
2020 6.195.000.000 1.39%
2021 7.926.000.000 21.84%
2022 1.382.000.000 -473.52%
2023 3.456.000.000 60.01%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Intrum AB (publ) Gross Profit
Year Gross Profit Growth
2002 1.019.500.000
2003 1.098.900.000 7.23%
2004 1.138.200.000 3.45%
2005 1.143.600.000 0.47%
2006 1.296.700.000 11.81%
2007 1.427.900.000 9.19%
2008 1.491.300.000 4.25%
2009 1.528.600.000 2.44%
2010 1.443.400.000 -5.9%
2011 1.587.000.000 9.05%
2012 1.655.000.000 4.11%
2013 1.903.000.000 13.03%
2014 2.221.000.000 14.32%
2015 2.541.000.000 12.59%
2016 2.894.000.000 12.2%
2017 4.385.000.000 34%
2018 6.073.000.000 27.8%
2019 6.178.000.000 1.7%
2020 7.378.000.000 16.26%
2021 8.234.000.000 10.4%
2022 8.053.000.000 -2.25%
2023 9.644.000.000 16.5%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Intrum AB (publ) Net Profit
Year Net Profit Growth
2002 173.300.000
2003 180.200.000 3.83%
2004 200.400.000 10.08%
2005 333.600.000 39.93%
2006 397.000.000 15.97%
2007 459.600.000 13.62%
2008 441.700.000 -4.05%
2009 440.600.000 -0.25%
2010 452.000.000 2.52%
2011 551.400.000 18.03%
2012 584.000.000 5.58%
2013 817.000.000 28.52%
2014 1.031.000.000 20.76%
2015 1.164.000.000 11.43%
2016 1.458.000.000 20.16%
2017 1.501.000.000 2.86%
2018 1.936.000.000 22.47%
2019 -362.000.000 634.81%
2020 1.881.000.000 119.25%
2021 3.127.000.000 39.85%
2022 -4.473.000.000 169.91%
2023 -1.644.000.000 -172.08%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Intrum AB (publ) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 3
2003 2 0%
2004 4 33.33%
2005 4 0%
2006 5 40%
2007 6 0%
2008 6 0%
2009 6 0%
2010 6 0%
2011 7 16.67%
2012 7 14.29%
2013 10 30%
2014 13 23.08%
2015 16 13.33%
2016 20 25%
2017 15 -42.86%
2018 15 0%
2019 -3 800%
2020 15 113.33%
2021 26 40%
2022 -37 167.57%
2023 -14 -184.62%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Intrum AB (publ) Free Cashflow
Year Free Cashflow Growth
2002 220.900.000
2003 204.000.000 -8.28%
2004 409.500.000 50.18%
2005 430.100.000 4.79%
2006 343.300.000 -25.28%
2007 374.500.000 8.33%
2008 413.900.000 9.52%
2009 1.287.400.000 67.85%
2010 1.484.300.000 13.27%
2011 1.647.800.000 9.92%
2012 1.811.000.000 9.01%
2013 2.184.000.000 17.08%
2014 2.530.000.000 13.68%
2015 2.770.000.000 8.66%
2016 3.231.000.000 14.27%
2017 4.363.000.000 25.95%
2018 5.848.000.000 25.39%
2019 5.693.000.000 -2.72%
2020 8.044.000.000 29.23%
2021 9.708.000.000 17.14%
2022 6.144.000.000 -58.01%
2023 1.278.000.000 -380.75%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Intrum AB (publ) Operating Cashflow
Year Operating Cashflow Growth
2002 333.100.000
2003 301.800.000 -10.37%
2004 481.100.000 37.27%
2005 527.000.000 8.71%
2006 449.400.000 -17.27%
2007 509.100.000 11.73%
2008 607.500.000 16.2%
2009 1.523.300.000 60.12%
2010 1.629.800.000 6.53%
2011 1.767.600.000 7.8%
2012 1.963.000.000 9.95%
2013 2.305.000.000 14.84%
2014 2.672.000.000 13.74%
2015 2.905.000.000 8.02%
2016 3.374.000.000 13.9%
2017 4.535.000.000 25.6%
2018 6.154.000.000 26.31%
2019 6.392.000.000 3.72%
2020 8.716.000.000 26.66%
2021 10.042.000.000 13.2%
2022 6.506.000.000 -54.35%
2023 1.344.000.000 -384.08%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Intrum AB (publ) Capital Expenditure
Year Capital Expenditure Growth
2002 112.200.000
2003 97.800.000 -14.72%
2004 71.600.000 -36.59%
2005 96.900.000 26.11%
2006 106.100.000 8.67%
2007 134.600.000 21.17%
2008 193.600.000 30.48%
2009 235.900.000 17.93%
2010 145.500.000 -62.13%
2011 119.800.000 -21.45%
2012 152.000.000 21.18%
2013 121.000.000 -25.62%
2014 142.000.000 14.79%
2015 135.000.000 -5.19%
2016 143.000.000 5.59%
2017 172.000.000 16.86%
2018 306.000.000 43.79%
2019 699.000.000 56.22%
2020 672.000.000 -4.02%
2021 334.000.000 -101.2%
2022 362.000.000 7.73%
2023 66.000.000 -448.48%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Intrum AB (publ) Equity
Year Equity Growth
2002 1.536.900.000
2003 1.223.500.000 -25.62%
2004 1.436.300.000 14.82%
2005 1.284.500.000 -11.82%
2006 1.459.800.000 12.01%
2007 1.842.400.000 20.77%
2008 2.395.200.000 23.08%
2009 2.548.700.000 6.02%
2010 2.576.400.000 1.08%
2011 2.811.600.000 8.37%
2012 3.019.000.000 6.87%
2013 3.235.000.000 6.68%
2014 2.948.000.000 -9.74%
2015 3.086.000.000 4.47%
2016 4.043.000.000 23.67%
2017 22.436.000.000 81.98%
2018 25.672.000.000 12.61%
2019 24.893.000.000 -3.13%
2020 21.963.000.000 -13.34%
2021 24.687.000.000 11.03%
2022 21.199.000.000 -16.45%
2023 20.508.000.000 -3.37%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Intrum AB (publ) Assets
Year Assets Growth
2002 3.737.300.000
2003 3.680.600.000 -1.54%
2004 3.547.500.000 -3.75%
2005 4.136.000.000 14.23%
2006 4.461.500.000 7.3%
2007 5.393.400.000 17.28%
2008 6.741.000.000 19.99%
2009 6.624.100.000 -1.76%
2010 7.115.000.000 6.9%
2011 7.907.300.000 10.02%
2012 8.475.000.000 6.7%
2013 10.222.000.000 17.09%
2014 11.341.000.000 9.87%
2015 12.145.000.000 6.62%
2016 14.404.000.000 15.68%
2017 67.775.000.000 78.75%
2018 76.033.000.000 10.86%
2019 86.136.000.000 11.73%
2020 80.768.000.000 -6.65%
2021 88.905.000.000 9.15%
2022 88.711.000.000 -0.22%
2023 92.746.000.000 4.35%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Intrum AB (publ) Liabilities
Year Liabilities Growth
2002 2.198.600.000
2003 2.422.500.000 9.24%
2004 2.083.600.000 -16.27%
2005 2.819.900.000 26.11%
2006 2.968.900.000 5.02%
2007 3.550.900.000 16.39%
2008 4.345.700.000 18.29%
2009 4.075.000.000 -6.64%
2010 4.538.400.000 10.21%
2011 5.094.000.000 10.91%
2012 5.454.000.000 6.6%
2013 6.906.000.000 21.03%
2014 8.300.000.000 16.8%
2015 8.979.000.000 7.56%
2016 10.274.000.000 12.6%
2017 45.336.000.000 77.34%
2018 50.361.000.000 9.98%
2019 61.243.000.000 17.77%
2020 58.805.000.000 -4.15%
2021 64.218.000.000 8.43%
2022 67.512.000.000 4.88%
2023 72.238.000.000 6.54%

Intrum AB (publ) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
165.45
Net Income per Share
-33.25
Price to Earning Ratio
-2.22x
Price To Sales Ratio
0.45x
POCF Ratio
1.45
PFCF Ratio
1.53
Price to Book Ratio
0.49
EV to Sales
3.37
EV Over EBITDA
29.01
EV to Operating CashFlow
10.95
EV to FreeCashFlow
11.57
Earnings Yield
-0.45
FreeCashFlow Yield
0.65
Market Cap
8,90 Bil.
Enterprise Value
67,16 Bil.
Graham Number
337.35
Graham NetNet
-535.55

Income Statement Metrics

Net Income per Share
-33.25
Income Quality
3.92
ROE
-0.21
Return On Assets
-0
Return On Capital Employed
0.05
Net Income per EBT
-0.23
EBT Per Ebit
0.19
Ebit per Revenue
0.22
Effective Tax Rate
0.68

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.44
Operating Profit Margin
0.22
Pretax Profit Margin
0.04
Net Profit Margin
-0.01

Dividends

Dividend Yield
0.18
Dividend Yield %
18.28
Payout Ratio
-0.2
Dividend Per Share
13.5

Operating Metrics

Operating Cashflow per Share
50.86
Free CashFlow per Share
48.18
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.02
Capex to Depreciation
-0.21
Return on Invested Capital
0.02
Return on Tangible Assets
-0.08
Days Sales Outstanding
98.74
Days Payables Outstanding
189.61
Days of Inventory on Hand
11.49
Receivables Turnover
3.7
Payables Turnover
1.92
Inventory Turnover
31.76
Capex per Share
-2.69

Balance Sheet

Cash per Share
28,68
Book Value per Share
152,11
Tangible Book Value per Share
170.14
Shareholders Equity per Share
152.11
Interest Debt per Share
541.6
Debt to Equity
3.37
Debt to Assets
0.67
Net Debt to EBITDA
25.17
Current Ratio
0.66
Tangible Asset Value
-20,14 Bil.
Net Current Asset Value
-61,95 Bil.
Invested Capital
3.37
Working Capital
-5,41 Bil.
Intangibles to Total Assets
0.44
Average Receivables
5,37 Bil.
Average Payables
3,16 Bil.
Average Inventory
365500000
Debt to Market Cap
6.93

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Intrum AB (publ) Dividends
Year Dividends Growth
2003 1
2006 2 50%
2007 3 0%
2008 3 33.33%
2009 4 0%
2010 4 0%
2011 4 25%
2012 5 0%
2013 5 20%
2014 6 0%
2015 7 28.57%
2016 8 12.5%
2017 18 55.56%
2018 10 -100%
2019 10 0%
2020 11 18.18%
2021 12 8.33%
2022 14 7.69%
2023 14 0%

Intrum AB (publ) Profile

About Intrum AB (publ)

Intrum AB (publ), together with its subsidiaries, provides credit management and financial services in Europe and internationally. The company offers credit optimization services, including credit monitoring, credit decision, factoring, and credit information services; and debt collection comprising surveillance and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; accounts receivables services that include invoicing, payment booking, monitoring of due dates, reminder, and collection services; and financing and portfolio investment services. Intrum AB (publ) was founded in 1923 and is headquartered in Stockholm, Sweden.

CEO
Mr. Andres Rubio
Employee
11.099
Address
Sicklastråket
Stockholm, 131 54

Intrum AB (publ) Executives & BODs

Intrum AB (publ) Executives & BODs
# Name Age
1 Mr. Andres Rubio
President & Chief Executive Officer
70
2 Mr. Niklas Lundquist
Chief Legal Officer
70
3 Ms. Chantal Verbeek-Vingerhoed
Chief Human Resources Officer
70
4 Mr. Emil Folkesson
Director of Treasury & Investor Relations and Chief Financial Officer
70
5 Mr. Mats Gustafsson
Acting Regional Managing Director of Scandinavia and Director of Group Business Development
70
6 Ms. Anna Fall
Chief Brand & Communications Officer
70
7 Ms. Lina Rollby Claesson
Chief Compliance Officer
70
8 Mr. Daniel Frick
Chief Information & Technology Officer
70
9 Ms. Annette Kumlien B.Sc. (Econ.)
Chief Operating Officer
70
10 Mr. Javier Aranguren
Chief Investment Officer
70

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