ProCredit Holding AG stock analysis
ProCredit Holding AG (0RL9) Share Price & Analysis
0RL9 Stock Chart & Stats
- Day’s Range
- EUR 8.81 - EUR 9.40
- 52-Week Range
- EUR 6.96 - EUR 9.40
- Previous Close
- EUR 8.89
- Volume
- N/A
- Average Volume (3M)
- 8,880
- Market Cap
- EUR 520.66M
- Enterprise Value
- EUR 141.85M
- Total Cash (Recent Filing)
- EUR 1.83B
- Total Debt (Recent Filing)
- EUR 1.39B
- Price to Earnings (P/E)
- 7.3
- Beta
- 1.31
- Next Earnings
- Mar 18, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jun 04, 2026
- Dividend Yield
- 5.05%
Bulls Say, Bears Say
Bulls Say
Loan And Client Growth
Strong growth across micro, small-enterprise, consumer and retail lending is expanding the group’s earning-asset base and client relationships. Broad-based momentum supports future interest income, while the upgraded guidance indicates management expects this growth engine to remain durable.
Margin And Operating Leverage
Higher net interest income and margin expansion are strengthening the core banking franchise, while income growing faster than expenses demonstrates improving operating leverage. If sustained, this combination can support more resilient profitability as the loan portfolio expands.
Capital Strength
Capital ratios materially above regulatory requirements provide a buffer against credit and market stress and give ProCredit capacity to continue lending. This supports balance-sheet resilience and reduces the risk that growth ambitions will be constrained by near-term capital needs.
Bears Say
Higher Leverage
The sharp debt increase materially changes the group’s recent leverage profile despite steadily growing equity. Greater reliance on debt can reduce financial flexibility, increase funding sensitivity, and make it harder to absorb adverse credit or macroeconomic conditions.
Weak Cash Generation
Persistent negative operating and free cash flow indicate that recent activities have not generated sufficient internal funding. This can increase reliance on external financing, limit capital-allocation flexibility, and amplify the significance of the group’s recent debt increase.
Recent Earnings Slowdown
The latest deterioration interrupts the earlier multi-year improvement in revenue and profitability. Lower revenue and net income weaken near-term earnings momentum, potentially limiting retained capital and making future performance more dependent on renewed growth in lending and margins.
ProCredit Holding AG News
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ProCredit Holding AG Stock Smart Score
Company Description
ProCredit Holding AG
ProCredit Holding AG & Co. KGaA, along with its group entities, delivers a full spectrum of commercial banking solutions, catering to both small and medium-sized businesses (SMEs) and individual clients. Its operations span across Europe, South America, and its home country of Germany. The institution provides diverse financial products, encompassing business loans for various sectors like wholesale and retail trade, agriculture, forestry, fishing, manufacturing, transportation, storage, and other industries. These business financing options include capital for investments, working capital needs, and environmentally friendly "green" initiatives. For private individuals, ProCredit extends personal credit, including housing and investment loans, among other consumer finance solutions. Beyond lending, the bank manages various deposit accounts (current, savings, and time deposits), offers modern digital and mobile banking platforms, facilitates card payment services, and provides flexible credit facilities such as lines of credit and overdrafts. Established in 1998 in Frankfurt am Main, Germany, the company originally operated as Internationale Micro Investitionen AG before adopting its current name.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Eriola Bibolli
- Employees
- 4,609
- Website
- www.procredit-holding.com
- Address
- Rohmerplatz 33-37, Frankfurt am Main, HE, 60486, DE
ProCredit Holding AG (0RL9) Earnings & Revenues
0RL9 Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Strong loan and client growth, net interest income and margin expansion, improving operating leverage, stronger profitability, stable early credit performance, upgraded guidance and solid capital levels significantly outweighed the stated challenges. The main negatives were lower fee income, higher operating costs, the timing shift and valuation effects related to the Ecuador divestment, elevated geopolitical and provisioning risks, and tax-rate uncertainty.
View all GB:0RL9 earnings summaries0RL9 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 5 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 12 | 0 | 0 |
