ProCredit Holding AG

ProCredit Holding AG

8.72
EUR
0.00
(0.00%)
1.27EPS
6.42P/E
481.79MMarket Cap
Nov 12Next Earn
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
9.13
7.54
6.13
5.82
5.16
4.42
4.64
4.64
5.14
6.1
7.35
7.83
7.81
8.04
Basic EPS, GAAP
0.69
0.89
1.11
1.16
0.86
0.9
0.89
0.7
1.35
0.28
1.92
1.77
1.42
1.27
Free Cash Flow per Basic Share
1
3.23
1.29
1.63
1.25
0.04
4.59
1.81
1.96
9.27
8.42
-3.7
-2.47
- -
Dividend per Share
0.19
0.19
0.19
0.4
0.39
0.27
0.3
- -
0.53
- -
- -
0.64
0.59
- -
Book Value per Share
9.01
10.05
11.14
12.07
11.82
12.49
13.46
13.24
14.54
14.76
16.7
17.93
18.24
20.94
Tangible Book Value per Share
8.38
9.49
10.69
11.66
11.43
12.12
13.11
12.91
14.23
14.46
16.32
17.34
17.44
20.04
Basic Weighted Avg Shares
54
54
54
51
54
58
59
59
59
59
59
59
59
59
Sales/Revenue/Turnover
489
404
328
297
276
258
273
274
303
359
433
461
460
473
Operating Margin (%)
12.54
14.44
21.63
20.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
38
35
26
47
29
17
24
54
31
134
37
21
44
- -
Net Income, GAAP
37
48
60
59
46
53
53
41
80
16
113
104
83
75
Effective Tax Rate (%)
37.42
33.39
28.36
23.06
23.43
20.52
19.96
20.52
15.75
7.56
24.43
28.89
21.01
25.44
Profit Margin (%)
7.54
11.84
18.15
20.01
16.75
20.43
19.24
15.13
26.31
4.59
26.2
22.63
18.14
15.83
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,154
1,012
846
814
874
1,163
450
375
461
310
313
378
506
449
Total Equity
503
555
604
654
640
744
803
780
856
869
984
1,056
1,074
1,233
Return on Invested Capital (%)
1.89
1.93
3.05
2.95
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.05
2.82
3.83
3.96
2.98
2.99
3.22
3.44
6.45
1.32
9.16
7.64
5.54
4.73
Return on Common Equity (%)
7.66
9.37
10.5
9.57
7.24
7.71
6.88
5.27
9.74
1.91
12.24
10.23
7.84
6.6

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
59
59
59
Market Capitalization
497
428
482

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,166
1,950
1,834
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.1%
6.71%
1.72%
Free Cash Flow
1,174.08%
38.83%
-33.19%
Net Income, GAAP
54.24%
114.47%
-19.99%
Sales/Revenue/Turnover
3.91%
11.23%
-0.18%
Total Cash Common Dividend
- -
- -
-7.81%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
111
119
107
125
461
2025
107
118
107
128
460
2026
114
124
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.57
0.41
0.46
0.33
1.77
2025
0.43
0.37
0.19
0.43
1.42
2026
0.37
0.29
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.64
2025
- -
- -
- -
- -
0.59
2026
- -
- -
- -
- -
- -

Company Description

CEO
Eriola Bibolli
Full Time Employees
4,607
Sector
Finance
Industry
Major banks
Address
Rohmerplatz 33-37 Frankfurt HE Germany 60486
IPO Date
Dec 22, 2016
Business
ProCredit Holding AG is a Germany-based parent company of an international group of development-oriented commercial banks primarily serving micro, small, and medium-sized enterprises (MSMEs) and private individuals. The group offers banking services including loans, deposits, current and savings accounts, electronic banking, and payment services, with a strategic focus on promoting economic, ecological, and social development. Core products include green loans for energy efficiency and renewable energy projects, traditional SME lending, retail banking for the middle class, treasury services, and e-banking solutions. The group operates mainly in South Eastern and Eastern Europe—including Albania, Bosnia and Herzegovina, Bulgaria (with branch operations in Greece), Kosovo, North Macedonia, Romania, Serbia, Georgia, Moldova, and Ukraine—as well as in South America through Banco ProCredit in Ecuador and in Germany through ProCredit Bank and related technology and training subsidiaries. Founded in 1998 and headquartered in Frankfurt am Main, Germany, ProCredit Holding provides strategic management, capital adequacy oversight, reporting, and risk management for the group. Recent major developments include the successful conversion of its legal form into a joint stock company as of September 2023, increased capital requirements mandated by the German Federal Financial Supervisory Authority (BaFin) in 2025, and strong business growth through diversified loan portfolios. The group has also entered into strategic partnerships, including an expanded shareholding by the European Bank for Reconstruction and Development (EBRD), which strengthens its impact focus and governance. Operational highlights in 2025 include robust loan portfolio growth of over EUR 500 million, improved cost-income efficiency amid strategic investment, and approval of dividend payout following a successful financial year. The company continues to advance its transformation strategy with emphases on sustainable finance and digitalization to serve its target markets across multiple regions. ProCredit Holding’s subsidiaries include commercial banks in its geographic markets, along with Quipu GmbH, which provides software development and IT consultancy, and the ProCredit Academy that focuses on staff training and development. Its client base spans micro, small, and medium-sized enterprises alongside private retail customers, with geographic markets that emphasize emerging economies in Eastern Europe and South America, as well as developed markets like Germany. In summary, ProCredit Holding AG is a specialist financial holding company delivering a comprehensive range of banking and financial services focused on MSMEs and private clients, with a strong commitment to sustainable development and regional economic growth through targeted lending products and innovative digital banking services across multiple continental markets.

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