YOLFTbeta
ProCredit Holding AG & Co KGaA

ProCredit Holding AG & Co KGaA

PCZ · XETRA · Financial Services / Banks - Diversified

10.00EUR+0.70 (+7.53%)

Price History

Full chart

Market Stats

Previous Close9.30
Open9.08
Day Range9.05 – 10.00
52-Week Range6.49 – 9.21
Volume438.23K
Market Cap505.94M
P/E (TTM)6.76
Forward P/E5.91
EPS1.27
Dividend Yield5.47%
Beta1.37
50-Day Avg8.54
200-Day Avg8.29

About

ProCredit Holding AG, together with its subsidiaries, provides commercial banking products and services for small and medium enterprises and private clients in Europe, South America, and Germany. The company accepts various deposits, including current, savings, and term deposit accounts. It also offers business loans for wholesale and retail trade; agriculture; forestry and fishing; production; transportation and storage; construction and real estate; hotel, restaurant, and catering; electricity, gas, steam, and air conditioning supply; and other activities, as well as investment and green loans; and private loans, such as housing, investment, and consumer loans. The company was formerly known as Internationale Micro Investitionen AG. ProCredit Holding AG was founded in 1998 and is based in Frankfurt am Main, Germany.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMs. Eriola Bibolli
  • Employees4.56K
  • HeadquartersRohmerplatz 33-37, Frankfurt am Main, Germany, 60486, Germany
  • Websitehttps://www.procredit-holding.com

Leadership

  • Ms. Eriola BibolliChairman of Management Board
  • Mr. Christian Edgardo DagrosaMember of Management Board · b. 1987
  • Mr. Georgios ChatzisChief Risk Officer & Member of Management Board
  • Mr. Christoph BeeckMember of Management Board
  • Ms. Rossana MazzilliChief Legal Counsel

Financials

Income Statement

Currency: EUR2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue401.23M544.95M684.46M649.71M630.75M636.00M718.67M667.48M545.77M437.25M393.85M358.91M344.73M383.37M373.44M390.74M478.44M625.68M692.08M750.83M
Growth (%)-+35.82%+25.60%-5.08%-2.92%+0.83%+13.00%-7.12%-18.23%-19.88%-9.93%-8.87%-3.95%+11.21%-2.59%+4.63%+22.44%+30.77%+10.61%+8.49%
Cost of Revenue------195.26M178.40M141.99M109.56M98.06M83.73M87.15M110.42M100.36M88.42M119.69M193.30M230.92M252.92M
Gross Profit------523.41M489.07M403.77M327.69M295.79M275.17M257.58M272.95M273.07M302.32M358.75M432.38M461.15M497.91M
Gross Margin------72.83%73.27%73.98%74.94%75.10%76.67%74.72%71.20%73.12%77.37%74.98%69.11%66.63%66.31%
Operating Expense------464.35M427.75M345.48M274.14M234.67M213.02M180.06M196.08M220.99M207.79M340.90M282.37M314.47M392.26M
Operating Income158.89M223.50M266.69M249.94M232.31M238.55M59.06M61.32M58.30M53.55M61.13M62.15M77.53M76.87M52.09M94.53M17.85M150.01M146.68M105.65M
Operating Margin39.60%41.01%38.96%38.47%36.83%37.51%8.22%9.19%10.68%12.25%15.52%17.32%22.49%20.05%13.95%24.19%3.73%23.98%21.19%14.07%
EBITDA------97.39M99.33M93.03M79.15M108.25M90.91M94.16M100.80M105.59M125.21M152.33M187.36M167.82M130.32M
EBITDA Margin------13.55%14.88%17.05%18.10%27.49%25.33%27.31%26.29%28.28%32.05%31.84%29.95%24.25%17.36%
Net Income------44.81M36.88M47.81M59.58M59.42M46.28M52.78M52.60M41.40M79.64M16.50M113.37M104.31M83.50M
Net Income Margin------6.24%5.53%8.76%13.62%15.09%12.90%15.31%13.72%11.09%20.38%3.45%18.12%15.07%11.12%
Interest Expense000000195.26M178.40M141.99M109.56M98.06M83.73M87.15M110.42M100.36M88.42M119.69M193.30M230.92M241.97M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%27.17%26.73%26.02%25.06%24.90%23.33%25.28%28.80%26.88%22.63%25.02%30.89%33.37%32.23%

Balance Sheet

Currency: EUR2006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets3.11B4.15B4.78B4.95B5.19B5.49B5.77B5.84B5.97B6.01B5.67B5.48B5.97B6.70B7.33B8.22B8.83B9.75B10.75B11.60B
Total Liabilities2.77B3.81B4.40B4.56B4.76B5.03B5.27B5.34B5.41B5.41B5.01B4.84B5.22B5.89B374.61M460.62M309.98M8.77B9.70B10.52B
Total Equity255.32M287.65M329.46M328.34M359.24M391.97M480.43M482.63M538.12M596.27M646.03M632.95M735.87M792.55M779.73M856.31M869.43M983.79M1.06B1.07B
Cash440.57M559.62M692.95M809.25M698.60M678.94M863.45M832.44M855.13M834.19M937.31M932.74M963.71M1.08B1.41B1.55B1.94B2.35B2.16B2.17B
Total Debt------1.24B1.15B1.01B845.98M814.03M873.53M1.16B450.08M819.45M976.34M716.62M313.03M377.80M1.32B
Net Debt------377.05M321.25M157.10M11.79M-123.28M-59.21M199.01M-631.64M-1.03B-1.08B-1.63B-2.03B-1.79B-845.58M

Cash Flow

Currency: EUR2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow107.73M98.86M206.92M117.14M175.36M90.75M27.32M290.33M135.88M133.15M566.94M-445.13M-176.75M-99.77M
Investing Cash Flow-56.40M-44.43M-30.12M-67.57M-47.05M-54.66M-16.95M-10.21M-25.54M-13.44M-12.48M-22.42M-35.98M-823.09M
Financing Cash Flow16.83M-101.79M-123.33M-76.74M4.32M-44.20M40.97M-81.16M-16.43M-36.01M-1.30M1.01B54.85M770.65M
Capital Expenditure54.79M45.36M33.74M48.31M31.56M23.58M25.04M20.18M29.23M17.49M21.22M27.85M41.03M41.36M
Free Cash Flow52.94M53.50M173.18M68.83M143.80M67.17M2.29M270.15M106.65M115.66M545.71M1.41M-217.78M-141.13M
Dividends Paid10.47M9.97M10.17M10.17M20.33M21.08M15.90M17.67M31.22M31.22M0-37.70M34.75M
FCF to OCF49.14%54.12%83.69%58.76%82.00%74.02%8.38%93.05%78.49%86.86%96.26%-0.32%123.21%141.45%
Dividend Paid to FCF19.78%18.63%5.87%14.77%14.14%31.38%694.76%6.54%29.27%26.99%0.00%--17.31%-24.62%

Earnings

Report DateMar 29, 2017May 30, 2017Aug 14, 2017Nov 14, 2017Mar 27, 2018May 30, 2018Aug 29, 2018Nov 14, 2018Mar 27, 2019May 13, 2019Aug 14, 2019Nov 13, 2019Mar 26, 2020May 14, 2020Aug 13, 2020Nov 12, 2020Mar 25, 2021May 12, 2021Aug 11, 2021Oct 6, 2021Mar 24, 2022May 12, 2022Aug 11, 2022Nov 10, 2022Mar 23, 2023May 15, 2023Aug 14, 2023Nov 14, 2023Mar 19, 2024May 13, 2024Aug 14, 2024Nov 14, 2024Mar 27, 2025Jun 4, 2025Aug 14, 2025Nov 13, 2025Mar 25, 2026May 11, 2026Aug 14, 2026
EPS Estimate------0.190.250.23-0.21-----------------0.000.57---------
EPS Actual0.470.140.370.220.470.250.200.240.300.210.160.360.620.230.230.200.330.270.350.350.73-0.030.130.16-0.010.500.590.510.000.570.410.460.330.430.370.190.430.370.29
Surprise------5.26%-4.00%30.43%--23.81%-------------------0.11%---------
Timing-------Pre-marketPre-market-Pre-market---------Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-Pre-marketPre-marketAfter-hoursPre-marketAfter-hours--Pre-market--

Key Statistics & Ratios

Market Cap505.94M
Enterprise Value246.44M
Trailing P/E6.76
Forward P/E5.91
PEG Ratio0.00
Price / Sales1.16
Price / Book0.43
EPS1.27
Book Value18.31
Revenue (TTM)434.35M
Gross Profit (TTM)434.35M
Profit Margin17.24%
Operating Margin24.76%
Return on Equity6.60%
Return on Assets0.66%
Shares Outstanding58.90M
Shares Float34.24M
Beta1.37
Dividend Yield5.47%
Dividend Rate0.47
Payout Ratio36.95%

Dividends

20261×
0.47Jun 4, 2026
20251×
0.59Jun 5, 2025
20241×
0.64Jun 5, 2024
20212×
0.35Dec 9, 20210.18May 28, 2021
20191×
0.30May 20, 2019
20181×
0.27May 24, 2018
20171×
0.38May 18, 2017