Intrum AB (publ) (ITJTY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Intrum AB (publ) (ITJTY) trades at $1.63 with AI Score 46/100 (Grade C). Intrum AB (publ) is a European-based credit management and financial services company. Market cap: $196.58M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for ITJTY: ITJTY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ITJTY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ITJTY: the 1 perspectives are evenly split.
How is this calculated? →Intrum AB (publ) (ITJTY) Financial Services Profile
Intrum AB (publ) provides credit management and financial solutions, including credit optimization and debt collection, serving businesses across Europe and internationally. With a history dating back to 1923, Intrum offers services like credit monitoring, factoring, and accounts receivable management, navigating a competitive landscape with companies like BRLGF and DGTLF.
What Is the Investment Thesis for ITJTY?
Intrum AB (publ) presents a complex investment case. Its gross margin of 70.3% indicates strong core profitability in its operations. However, the company's negative profit margin of -8.4% and negative P/E ratio of -3.70 suggest underlying challenges in translating revenue into net income. Growth catalysts include expansion of e-commerce services and strategic acquisitions to enhance market presence. Potential risks involve economic downturns affecting debt collection success and regulatory changes impacting credit management practices. Investors should closely monitor Intrum's ability to improve profitability and manage its financial leverage.
Based on FMP financials and quantitative analysis
ITJTY Key Highlights
- Gross Margin of 70.3% indicates strong core profitability in credit management services.
- Market Cap of $196.58M reflects its position as a mid-sized player in the financial services sector.
- Beta of 1.48 suggests higher volatility compared to the overall market.
- Negative P/E ratio of -3.70 indicates current losses, requiring scrutiny of turnaround strategies.
- No dividend yield reflects a focus on reinvesting earnings to drive future growth.
Who Are ITJTY's Competitors?
ITJTY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRLGF Dominion Lending Centres Inc. | $6.09 | +0.00% | $469.15M | 53 |
| DGTLF OCI International Holdings Limited | $0.04 | -0.28% | $53.84M | 44 |
| ECNCF ECN Capital Corp. | $2.26 | +0.00% | $636.72M | 57 |
| EGTIF eGuarantee, Inc. | $7.88 | -29.33% | $350.00M | 52 |
| GEVI General Enterprise Ventures, Inc. | $9.08 | +8.61% | $159.38M | 56 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ITJTY's Key Strengths?
- Long-standing experience in the credit management industry.
- Comprehensive suite of services covering credit optimization and debt collection.
- Established presence in Europe and international markets.
- Strong gross margin indicating efficient core operations.
What Are ITJTY's Weaknesses?
- Negative profit margin indicating challenges in translating revenue into net income.
- High beta suggesting higher volatility compared to the market.
- Dependence on macroeconomic conditions affecting debt collection success.
- Exposure to regulatory changes impacting credit management practices.
What Could Drive ITJTY Stock Higher?
- Expansion of e-commerce services projected to drive revenue growth in the next 3-5 years.
- Strategic acquisitions aimed at expanding geographic footprint and service offerings.
- Implementation of advanced data analytics to improve debt collection efficiency.
- Strengthening partnerships with banks and financial institutions to offer integrated solutions.
- Proactive adaptation to regulatory changes to maintain competitive advantage.
What Are the Key Risks for ITJTY?
- Financial-distress signal — its Altman Z-Score of 0.29 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-15.0%) — the business is not currently generating profit on shareholder capital.
- Economic downturns leading to increased defaults and reduced debt collection rates.
- Increased competition from fintech companies offering innovative credit management solutions.
- Regulatory changes impacting debt collection practices and compliance costs.
- Currency fluctuations affecting international operations and financial results.
- Negative profit margin indicating challenges in translating revenue into net income.
What Are the Growth Opportunities for ITJTY?
- Expansion of E-commerce Services: Intrum can capitalize on the growing e-commerce market by offering integrated credit management, payment solutions, and collection services. As online retail continues to expand, the demand for these services will increase, providing a significant growth opportunity for Intrum. This expansion could target small to medium-sized online businesses, offering tailored solutions to manage their credit risks and improve cash flow. The timeline for realizing significant gains from this sector is within the next 3-5 years, aligning with projected e-commerce growth rates.
- Strategic Acquisitions: Intrum can pursue strategic acquisitions to expand its geographic footprint and service offerings. By acquiring smaller, specialized credit management firms, Intrum can gain access to new markets and technologies. These acquisitions can enhance Intrum's competitive position and drive revenue growth. The focus should be on acquiring companies with complementary services or strong regional presence in key European markets. The timeline for identifying and integrating suitable acquisitions is within the next 2-3 years.
- Leveraging Data Analytics: Intrum can leverage data analytics to improve the efficiency and effectiveness of its credit management and debt collection processes. By analyzing large datasets, Intrum can identify patterns and trends that can help optimize collection strategies and reduce credit risks. This includes using predictive analytics to identify customers who are likely to default and implementing targeted interventions to prevent delinquency. The implementation of advanced data analytics can yield improvements within the next 1-2 years.
- Strengthening Partnerships: Intrum can strengthen partnerships with banks and financial institutions to offer integrated credit management solutions. By partnering with these institutions, Intrum can gain access to a broader customer base and offer a more comprehensive suite of services. These partnerships can also provide Intrum with valuable data and insights that can be used to improve its credit risk models. The establishment of strategic partnerships can drive growth within the next 2-3 years.
- Adapting to Regulatory Changes: Intrum can proactively adapt to regulatory changes in the credit management industry. By staying ahead of regulatory developments and implementing compliance measures, Intrum can maintain its competitive advantage and avoid potential penalties. This includes investing in technology and training to ensure compliance with new regulations. Proactive adaptation to regulatory changes can mitigate risks and support sustainable growth over the long term.
What Opportunities Does ITJTY Have?
- Expansion of e-commerce services to capitalize on the growing online retail market.
- Strategic acquisitions to expand geographic footprint and service offerings.
- Leveraging data analytics to improve credit risk assessment and collection efficiency.
- Strengthening partnerships with banks and financial institutions to offer integrated solutions.
What Threats Does ITJTY Face?
- Economic downturns leading to increased defaults and reduced debt collection rates.
- Increased competition from fintech companies offering innovative credit management solutions.
- Regulatory changes impacting debt collection practices and compliance costs.
- Currency fluctuations affecting international operations and financial results.
What Are ITJTY's Competitive Advantages?
- Established reputation and long operating history since 1923.
- Extensive network and relationships with financial institutions.
- Proprietary data and analytics capabilities for credit risk assessment.
- Comprehensive suite of credit management and debt collection services.
What Does ITJTY Do?
Founded in 1923 and headquartered in Stockholm, Sweden, Intrum AB (publ) has evolved into a leading provider of credit management and financial services. The company operates across Europe and internationally, offering a comprehensive suite of solutions designed to optimize credit processes and manage debt. Intrum's services include credit optimization, encompassing credit monitoring, credit decision support, factoring, and credit information services. Its debt collection services cover surveillance and purchase services. Furthermore, Intrum provides payment services, such as reminder services, payment guarantees, and VAT services. The company also offers specialized e-commerce solutions, accounts receivable services, and financing and portfolio investment services. Intrum's extensive service portfolio caters to a diverse clientele, helping businesses manage their credit risks and improve cash flow.
What Products and Services Does ITJTY Offer?
- Provides credit monitoring services to assess creditworthiness.
- Offers credit decision support to help businesses make informed lending decisions.
- Engages in factoring, purchasing accounts receivable at a discount.
- Delivers credit information services to provide insights into credit risk.
- Conducts debt collection activities, including surveillance and purchase services.
- Provides payment services such as reminders and payment guarantees.
- Offers e-commerce solutions including credit management and payment processing.
- Manages accounts receivable, including invoicing and payment booking.
How Does ITJTY Make Money?
- Generates revenue through fees for credit optimization services.
- Earns income from debt collection activities, including purchased debt portfolios.
- Provides payment services for a fee, such as payment reminders and guarantees.
- Offers e-commerce solutions, generating revenue from transaction fees and service charges.
What Industry Does ITJTY Operate In?
Intrum AB (publ) operates within the credit services industry, a sector influenced by macroeconomic conditions and regulatory frameworks. The industry is characterized by increasing demand for efficient debt collection and credit risk management solutions. Key trends include the adoption of digital technologies and data analytics to improve collection rates and customer engagement. Intrum competes with companies like BRLGF and DGTLF, navigating a landscape where technological innovation and regulatory compliance are critical for success. The market is sensitive to economic cycles, with downturns potentially increasing demand for debt collection services.
Who Are ITJTY's Key Customers?
- Banks and financial institutions seeking credit risk management solutions.
- E-commerce businesses requiring payment processing and credit management services.
- Businesses across various sectors needing accounts receivable management.
- Companies seeking debt collection services for overdue accounts.
Company Profile
Intrum AB (publ) operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Stockholm, SE. The company is led by CEO Johan Akerblom. ITJTY has traded publicly since 2018.
F-Score 5/9Financial Health
Intrum AB (publ)'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.29 places it in the distress zone, a signal of elevated financial risk.
ROE -15%Key Financial Metrics
Return on equity for Intrum AB (publ) stands at -15.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -2.7%, showing how much profit it generates from its asset base. A current ratio of 19.89 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -81.8%, the inverse of the P/E and a quick read on earnings relative to price.
ITJTY Valuation & Market Position
With a $196.58M market cap, Intrum AB (publ) sits in the micro-cap segment of the market. Relative to its peer group, ITJTY's quantitative score of 46/100 is roughly in line with the peer average of 52/100.
FY2026 estForward Outlook
Wall Street analysts project Intrum AB (publ) revenue of about $16.28B for fiscal 2026, with EPS near $0.00.
ITJTY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing experience in the credit management industry.
- Comprehensive suite of services covering credit optimization and debt collection.
- Established presence in Europe and international markets.
- Strong gross margin indicating efficient core operations.
Bear Case
- Negative profit margin indicating challenges in translating revenue into net income.
- High beta suggesting higher volatility compared to the market.
- Dependence on macroeconomic conditions affecting debt collection success.
- Exposure to regulatory changes impacting credit management practices.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
ITJTY Latest News
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Intrum AB (publ) (ITJTY) Q1 2026 Earnings Call Transcript
seekingalpha.com · May 7, 2026
ITJTY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ITJTY.
Price Targets
Wall Street price target analysis for ITJTY.
ITJTY MoonshotScore
What does this score mean?
The MoonshotScore rates ITJTY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Johan Akerblom
CEO
Johan Akerblom is the CEO of Intrum AB (publ), leading a workforce of 9664 employees. His background includes extensive experience in the financial services sector, with a focus on credit management and debt collection. He has held various leadership positions in the industry, demonstrating a track record of driving growth and improving operational efficiency. Akerblom's expertise lies in strategic planning, financial management, and business development.
Track Record: Under Johan Akerblom's leadership, Intrum AB (publ) has focused on expanding its service offerings and strengthening its market position in Europe. Key achievements include the implementation of advanced data analytics to improve debt collection efficiency and the expansion of e-commerce services to capitalize on the growing online retail market. Akerblom has also overseen strategic acquisitions to enhance Intrum's geographic footprint and service capabilities.
Intrum AB (publ) ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. ITJTY, as an ADR, allows U.S. investors to invest in Intrum AB (publ) without the complexities of cross-border transactions. Each ITJTY ADR represents a specific number of Intrum AB (publ)'s shares traded on its home market, simplifying ownership and trading for U.S. investors.
- Home Market Ticker: Stockholm, SE
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: ITJT
ITJTY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that ITJTY may not meet the listing requirements of higher tiers like OTCQX or OTCQB, or major exchanges like NYSE or NASDAQ. Companies on this tier often have limited financial disclosure and may be subject to less regulatory oversight, resulting in higher risks for investors compared to companies listed on regulated exchanges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: The lack of comprehensive financial reporting increases the difficulty of assessing Intrum AB (publ)'s financial health and performance.
- Low Liquidity: The low trading volume and wide bid-ask spreads can make it challenging to execute trades efficiently.
- Regulatory Uncertainty: OTC stocks are subject to less regulatory oversight, increasing the risk of fraud or mismanagement.
- Price Volatility: The limited liquidity can lead to significant price swings, increasing the risk of losses.
- Information Asymmetry: The lack of readily available information can create an uneven playing field for investors.
- Verify the company's registration and legal status.
- Obtain and review available financial statements and reports.
- Assess the company's management team and their track record.
- Research the company's industry and competitive landscape.
- Evaluate the company's business model and revenue sources.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Long operating history since 1923 suggests stability.
- Presence in the financial services sector indicates regulatory compliance.
- Employee count of 9664 suggests a substantial operation.
- Headquarters in Stockholm, Sweden, a reputable financial center.
- ADR status provides a degree of oversight.
Common Questions About ITJTY (Financial Services)
What does Intrum AB (publ) do?
Intrum AB (publ) is a credit management services company that specializes in helping businesses manage their accounts receivable and recover outstanding debts. The company provides a range of services, including credit monitoring, debt collection, and payment solutions. Intrum operates primarily in Europe and internationally, serving a diverse clientele across various sectors. Its business model focuses on improving cash flow and reducing credit risks for its clients through efficient and compliant debt management practices.
What do analysts say about ITJTY stock?
Analyst coverage of ITJTY is limited due to its OTC listing and ADR Level I status. Key valuation metrics, such as the negative P/E ratio, reflect current losses, requiring careful consideration of the company's turnaround strategies. Growth considerations include the expansion of e-commerce services and strategic acquisitions. Investors should closely monitor Intrum's ability to improve profitability and manage its financial leverage. The stock's high beta suggests higher volatility compared to the overall market.
What are the main risks for ITJTY?
The main risks for ITJTY include economic downturns leading to increased defaults and reduced debt collection rates, increased competition from fintech companies offering innovative credit management solutions, and regulatory changes impacting debt collection practices and compliance costs. Currency fluctuations also pose a risk to international operations and financial results. The company's negative profit margin indicates underlying challenges in translating revenue into net income, requiring close monitoring of its financial performance.
What are the key factors to evaluate for ITJTY?
Intrum AB (publ) (ITJTY) holds an AI score of 46/100 (low). Not financial advice.
How frequently does ITJTY data refresh on this page?
ITJTY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ITJTY's recent stock price performance?
Intrum AB (publ) (ITJTY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing experience in the credit management industry. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ITJTY overvalued or undervalued right now?
Valuing Intrum AB (publ) (ITJTY) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ITJTY?
Before investing in Intrum AB (publ) (ITJTY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage due to OTC listing.
- Financial data based on available public information.