0RL9 Stock Chart & Stats
€8.20
€0.08(0.92%)
At close: 4:00 PM EDT
€8.20
€0.08(0.92%)
Day’s Range― - ―
52-Week Range€6.96 - €10.35
Previous CloseN/A
Volume10.00
Average Volume (3M)1.06K
Market Cap
€483.56M
Enterprise Value-€262.11
Total Cash (Recent Filing)€1.95B
Total Debt (Recent Filing)€1.26B
Price to Earnings (P/E)6.0
Beta1.31
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.76%
Share Statistics
EPS (TTM)1.36
Shares Outstanding58,898,490
10 Day Avg. Volume1,176
30 Day Avg. Volume1,061
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.46
Price to Sales (P/S)0.66
P/FCF Ratio-3.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.33
Revenue Forecast (FY)€476.62M
Bulls Say, Bears Say
Bulls Say
SME-focused Relationship BankingProCredit’s core model centers on relationship-driven SME and retail banking across SE/E Europe, creating client stickiness and recurring deposit and lending flows. That focused franchise supports durable loan demand, diversified fee income and long-term customer retention even through cycles.
Stronger Equity BaseSteady equity growth provides regulatory buffers and loss-absorption capacity, enhancing balance-sheet resilience. A stronger capital position enables continued lending, cushions credit shocks, reduces probability of dilutive capital raises and supports organic expansion over the medium term.
Improved Profitability / MarginsNet margins rising to the mid-teens reflect operating leverage and favorable loan-yield dynamics, indicating the group can convert revenue into earnings efficiently. Sustained margin levels support long-term cash generation, reinvestment in branches/digital and resilience to moderate top-line volatility.
Bears Say
Weak Cash GenerationPersistent negative operating and free cash flow reduces internal funding available for new lending and shareholder returns, forcing reliance on external funding. Over months this raises refinancing and liquidity risk and constrains capital deployment unless cash generation recovers.
Large Recent Debt IncreaseA structural step-up in debt materially raises leverage and interest expense, increasing sensitivity to funding costs and refinancing needs. Higher indebtedness narrows strategic flexibility, elevates volatility of returns and heightens vulnerability to adverse market or rate shocks over the medium term.
Revenue And Earnings Momentum DeteriorationA pronounced revenue drop and falling net income point to weakening core franchise momentum—potentially from lower loan origination or fee activity. If this trend persists, it will pressure profitability, limit capital generation and require operational or strategic adjustments to restore growth.
ProCredit Holding AG News
0RL9 FAQ
What was ProCredit Holding AG’s price range in the past 12 months?
ProCredit Holding AG lowest share price was €6.96 and its highest was €10.35 in the past 12 months.
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is €483.56M.
When is ProCredit Holding AG’s upcoming earnings report date?
ProCredit Holding AG’s upcoming earnings report date is Aug 13, 2026 which is in 11 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on May 13, 2026. The company reported €0.368 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is ProCredit Holding AG overvalued?
According to Wall Street analysts ProCredit Holding AG’s price is currently Overvalued.
Does ProCredit Holding AG pay dividends?
ProCredit Holding AG pays a Annually dividend of €0.47 which represents an annual dividend yield of 5.76%. See more information on ProCredit Holding AG dividends here
What is ProCredit Holding AG’s EPS estimate?
ProCredit Holding AG’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does ProCredit Holding AG have?
ProCredit Holding AG has 58,898,490 shares outstanding.
What happened to ProCredit Holding AG’s price movement after its last earnings report?
ProCredit Holding AG reported an EPS of €0.368 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 1.523%.
Which hedge fund is a major shareholder of ProCredit Holding AG?
Currently, no hedge funds are holding shares in GB:0RL9
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
ProCredit Holding AG Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.52%
12-Months-Change
Fundamentals
Return on Equity
5.76%
Trailing 12-Months
Asset Growth
8.43%
Trailing 12-Months
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.
Technical Analysis
Deutsche Bank AG
―
Commerzbank
―
Deutsche Pfandbriefbank
―
GRENKE AG
―
UmweltBank AG
―