PB Holding NV

PB Holding NV

3.48
EUR
-0.06
(-1.69%)
18.94MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
162.39
158.72
193.03
193.41
198.18
174.22
174.33
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
0.54
0.64
1.95
2
1.32
0.09
3.77
-4.82
-4.12
0.11
-0.46
-0.07
-0.19
- -
Free Cash Flow per Basic Share
-6.12
-6.5
-18.27
-10.61
-13.17
-17.18
-19.66
1.03
0.46
-0.09
-0.03
-0.06
-0.08
- -
Dividend per Share
- -
0.2
0.25
1
1
0.75
3.5
- -
- -
14.5
- -
- -
- -
- -
Book Value per Share
25.66
24.79
26.57
27.66
28.08
27.34
26.9
22.09
18.01
3.61
3.03
3.1
2.91
3.71
Tangible Book Value per Share
20.04
19.49
21.27
22.38
22.7
21.95
22.95
21.69
18.01
3.61
3.03
3.1
2.91
3.71
Basic Weighted Avg Shares
6
6
6
6
6
6
6
6
6
6
6
5
5
5
Sales/Revenue/Turnover
918
898
1,095
1,098
1,125
989
989
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
0.3
0.16
1.28
0.93
0.41
-0.94
-0.32
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
42
44
48
51
51
58
53
31
27
4
- -
- -
- -
- -
Net Income, GAAP
3
4
11
11
7
- -
21
-27
-23
1
-3
- -
-1
- -
Effective Tax Rate (%)
18.17
- -
23.33
26.21
20.53
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
0.33
0.4
1.01
1.03
0.67
0.05
2.16
- -
- -
- -
- -
- -
- -
- -
Working Capital
-162
-1
-41
-179
6
10
19
11
83
1
1
- -
-1
-1
LT Debt
37
214
145
6
206
244
144
112
- -
- -
- -
- -
- -
- -
Total Equity
138
141
151
157
159
155
153
125
102
21
17
17
16
20
Return on Invested Capital (%)
1.63
- -
3.26
3.05
2.18
- -
- -
1.25
0.6
0.86
- -
- -
- -
- -
Return on Capital (%)
1.67
- -
3.31
3.07
2.21
- -
- -
-5.94
-10.35
0.86
- -
- -
- -
- -
Return on Common Equity (%)
2.25
2.6
7.6
7.37
4.74
0.31
13.89
-19.69
-20.52
0.98
-13.61
-2.27
-6.31
- -

Capital Structure

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
- -
- -
1
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
17
- -
19

Working Capital

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
1
1
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
1
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-14.07%
-24.84%
-6.12%
Free Cash Flow
-18.02%
-20.41%
17.84%
Net Income, GAAP
338.16%
-112.81%
164.32%
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
-0.07
2025
- -
- -
-0.19
2026
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Company Description

CEO
Eddy Haesendonck
Full Time Employees
30,463
Sector
Finance
Industry
Financial conglomerates
Address
Westersingel 86 Huizen NH Netherlands 3015 LC
IPO Date
Sep 24, 1985
Business
PB Holding N.V. is a Netherlands-based financial services company that primarily acts as a holding entity managing certificates of shares in the capital of Bovemij N.V. and oversees its affiliated automotive and financial services businesses; the firm operates through subsidiaries and investment vehicles aligned with dealer networks, financial services, and mobility-related services. Headquartered in the Netherlands, PB Holding traces its roots to the Stern Groep N.V. transformation and rebranding in 2022. Main products and services - Financial services and related mobility offerings: leasing, fleet management, car rental, insurance products, and related consumer financial services; management and administration of credit facilities and financing arrangements for automotive customers. - Automotive dealership operations and vehicle services: ownership and governance of dealer platforms and brands, facilitating the sale of new and used vehicles, after-sales services, maintenance, and repair across its dealer network. - Asset management and corporate governance services: holding company activities that oversee investments in the Bovemij N.V. ecosystem and related entities, including strategic oversight, governance, and capitalization arrangements. - Subsidiary and brand portfolio administration: governance of specialty automotive and mobility services through affiliated subsidiaries focused on facilities management, mobility solutions, and service-oriented offerings. Latest major company changes - Strategic corporate restructuring and leadership updates following the Nafimij B.V. public offer settlement in early 2025, including changes to the Management Board and Supervisory Board. - Completion of a €300 thousand revolving credit facility with Handelsbanken, guaranteed by Mont Cervin S.à r.l., and related liquidity management actions in 2024–2025. - Ongoing evaluation of strategic options regarding minority stake sales in Bovemij N.V. through Project Vaals, with potential implications for ownership structure and future debt capacity. - Appointment of external auditor changes, with BDO Audit & Assurance B.V. taking on FY2024 audit responsibilities to strengthen governance and financial reporting. Additional context - Industry and segments: automotive retail and services; financial services; mobility solutions; specialty consumer finance linked to automotive ecosystem. - Target markets: primarily the Dutch market with segments spanning dealer networks, automotive finance and leasing, fleet management, and mobility-related services. - Geographic footprint: operations concentrated in the Netherlands, with corporate activities and subsidiaries structured around regional automotive and financial service operations. - Founding year and headquarters: originated from the Stern Groep lineage, with current headquarters in the Netherlands; name change to PB Holding N.V. occurred in March 2022. - Subsidiaries and parent relationships: holds and manages shares in Bovemij N.V. and operates via multiple subsidiaries under the PB Holding umbrella; participates in governance together with majority and minority stakeholders in related entities.