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    Banks - Regional
ProCredit Holding AG & Co. KGaA

ProCredit Holding AG & Co. KGaA

PRRCF
ProCredit Holding AG & Co. KGaAUS flagOther OTC
9.25
USD
- -
- -
544.81MMarket Cap
ProCredit Holding AG & Co. KGaA
PRRCF
(Other OTC)

Recent

price

9.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.78
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
7.98
Revenue per Share
0.84
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
1.36
Basic EPS, GAAP
0.99
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
- -
Free Cash Flow per Basic Share
0.2
0.19
0.19
0.19
0.4
0.39
0.27
0.3
- -
0.53
- -
- -
0.64
0.59
- -
Dividend per Share
7.98
8.44
9.14
10.05
11.61
11.18
13.85
14.37
15.09
15.91
16.19
18.12
19.26
20.09
20.58
Book Value per Share
8.7
8.76
9.81
10.84
12.4
11.55
12.34
13.3
12.91
14.23
14.46
16.32
17.34
17.44
17.81
Tangible Book Value per Share
54
54
54
54
51
54
58
59
59
59
59
59
59
59
59
Basic Weighted Avg Shares
523
489
404
328
297
276
258
273
274
303
359
433
461
460
467
Sales/Revenue/Turnover
11.28
12.54
14.44
21.63
20.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
38
38
35
26
47
29
17
24
54
31
134
37
21
44
- -
Depreciation Expense
45
37
48
60
59
46
53
53
41
80
16
113
104
83
80
Net Income, GAAP
21.67
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
22.52
Effective Tax Rate (%)
8.56
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
17.11
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,240
1,154
1,012
846
814
874
1,163
450
375
461
310
313
378
506
473
LT Debt
503
503
555
604
654
640
744
803
780
856
869
984
1,056
1,074
1,092
Total Equity
- -
2.25
2.4
3.36
3.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.39
10.16
11.6
10.51
7.77
7.5
6.35
4.77
8.72
1.74
11.22
9.48
7.2
6.76
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
59
59
59
Market Capitalization
602
601
473

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,953
2,166
1,950
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

in mil. unless spec.

Year

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

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.57
- -
- -
- -
1.77
2025
0.43
- -
- -
- -
1.42
2026
0.37
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.64
2025
- -
- -
- -
- -
0.59
2026
- -
- -
- -
- -
- -
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Business
ProCredit Holding AG, headquartered in Frankfurt am Main, Germany and founded in 1998, serves as the parent company of the ProCredit group, an international network of development-oriented commercial banks focused on micro, small and medium-sized enterprises (MSMEs) as well as private individuals in emerging markets. The group offers a comprehensive range of banking services including loans for working capital, investment and trade finance tailored to MSMEs in sectors such as agriculture, renewable energy and manufacturing; deposit products encompassing current and savings accounts, term deposits; payment services for national and international transactions; foreign exchange operations; and green financing solutions promoting ecological sustainability. Its primary operations span South Eastern Europe (Albania, Bosnia and Herzegovina, Bulgaria including Greece branch, Kosovo, North Macedonia, Romania, Serbia), Eastern Europe (Georgia, Moldova, Ukraine), South America (Ecuador) and Germany, where ProCredit Holding manages strategic oversight, capital allocation, risk management and regulatory compliance across its subsidiaries supervised by the German Federal Financial Supervisory Authority (BaFin) and Bundesbank. In 2024, the group achieved record loan portfolio growth of 12.6% to EUR 7.0 billion driven by micro, small enterprises and private clients, alongside deposit expansion of 14.3% to EUR 8.3 billion, while delivering a profit of EUR 104.3 million and proposing a dividend of EUR 0.59 per share; recent strategic advancements include a EUR 20 million capital increase at ProCredit Bank Ukraine insured by the German government, ongoing investments in IT, staff and branch network expansion to support a medium-term loan target exceeding EUR 10 billion, and execution of a growth and transformation strategy emphasizing granular retail banking and profitability with a 2025 outlook for around 12% loan growth and 10% return on equity.

Company News

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  • seekingalpha.com

    ProCredit Holding AG (PRRCF) Q1 2026 Earnings Call Transcript