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Kruso Kapital (KK) investor relations material
Kruso Kapital Company presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Market leadership and positioning
Recognized as a pan-European leader in pawn credit, with 34 branches across Italy, Greece, and Portugal.
Listed on Euronext Growth Milan and uplisted to Euronext Milan in June 2026, enhancing free float to 35% and improving stock liquidity.
Holds a 16% market share in Italy, ranking as the second-largest player in the sector.
Operates a multichannel, digitalized model, with a strong focus on customer accessibility and operational efficiency.
Business model and risk profile
Operates a low-risk, near risk-free lending model secured by high-value assets (92% gold, 7% watches, 1% diamonds).
Average loan ticket is ~€1,600, with flexible terms and no credit checks required.
92-95% of contracts are redeemed, with only 5-8% of goods going to auction.
Assets are always insured and under control, with no lending against perishable or electronic assets.
Digital transformation and operational highlights
End-to-end digitalization of the pawnbroking process, including online auctions and renewals.
99% of total bids are online, with over 32,000 online bids and €36 million awarded.
First blockchain-based pawnbroking process via NFT introduced.
31,000 registered users for digital services as of December 2025.
- Net profit doubled to €1.9 million in H1 2024, with strong capital and margin growth.KK
H1 202428 May 2026 - Net income surged over 100% year-over-year to €1.9 million on strong pawn loan and commission growth.KK
Q1 202528 May 2026 - Net profit more than doubled to €4.4 million, with strong loan growth and improved capital ratios.KK
H1 20256 May 2026 - Net profit surged 95% year-over-year to €8.8 million, with strong growth in pawn credit and capital ratios.KK
H2 20256 May 2026 - Net income up 21% year-over-year, with strong loan growth and improved capital ratios.KK
Q3 202428 Apr 2026 - Net profit surged 56% to €4.5M, with robust lending growth and improved capital ratios.KK
H2 202428 Apr 2026 - Net income surged over 100% year-over-year, fueled by pawn loan growth and CEP consolidation.KK
Q3 202528 Apr 2026
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