ProCredit Holding AG (PRRCF) Stock Price & Analysis
PRRCF Stock Chart & Stats
- Day’s Range
- $9.10 - $10.29
- 52-Week Range
- $7.65 - $12.06
- Previous Close
- $9.92
- Volume
- 170
- Average Volume (3M)
- 0
- Market Cap
- $571.56M
- Enterprise Value
- $38.85M
- Total Cash (Recent Filing)
- $1.83B
- Total Debt (Recent Filing)
- $1.39B
- Price to Earnings (P/E)
- 6.8
- Beta
- 0.54
- Next Earnings
- Nov 12, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jun 05, 2026
- Dividend Yield
- 5.59%
Bulls Say, Bears Say
Bulls Say
Loan Growth And Market Expansion
Strong loan growth across several core markets indicates continued demand for ProCredit’s banking services and expanding customer penetration. If management delivers its guidance, a larger loan book should support recurring interest income and strengthen the group’s competitive position over the next several quarters.
Structural Margin Improvement
Rising net interest income alongside an improving margin provides a durable earnings driver for the banking group. Management expects the margin improvement to continue, while greater exposure to higher-yielding segments could help sustain revenue growth and support future returns.
Strengthened Capital Position
The successful AT1 issuance materially improved ProCredit’s capital buffer and provides greater capacity to support planned loan growth. Stronger regulatory capital also improves resilience against credit losses and gives management more flexibility to invest in digital expansion and customer acquisition.
Bears Say
Higher Balance-sheet Leverage
The sharp increase in total debt represents a meaningful deterioration from the recent leverage trend and raises balance-sheet risk. Greater reliance on debt can increase funding pressure and reduce financial flexibility if credit conditions worsen or loan growth produces weaker-than-expected returns.
Persistently Negative Cash Generation
Repeatedly negative operating and free cash flow indicate that recent operations have not generated sufficient internal funding. This can increase dependence on external financing, constrain capital allocation, and make the balance sheet more sensitive to funding conditions while debt has also increased.
Elevated Operating Cost Base
A high cost-income ratio limits the conversion of revenue growth into sustainable profitability and leaves earnings exposed to continued personnel, software, and administrative cost increases. Management’s efficiency targets imply substantial execution is still required before operating leverage improves.
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 (PRRCF) Earnings & Revenues
PRRCF Earnings Call
Earnings Call SentimentPositive
The call conveyed a constructive operating and strategic progress narrative: strong loan growth (H1 +8%), marked expansion in higher-yielding retail/micro segments (micro loans +46% YoY, retail +29% YoY), sustained net interest income momentum (+11.6% YoY; Q2 NII +~15% YoY) and a successful EUR 150m AT1 issuance that improved capital ratios. These positives are balanced against remaining challenges — an elevated cost-income ratio (71.2%), modest overall deposit growth in H1 (2.2%) versus loan growth, declining fee income (–EUR 3m YoY) due to euro introduction and SEPA adoption, and cautious additional provisioning given geopolitical risks. Management provided confidence on sustaining margin improvements and achieving FY targets (12%–15% loan growth; 7% RoE guidance), while acknowledging ongoing macro and tax headwinds.
View all PRRCF earnings summariesPRRCF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 2 | 5 | 14 |
| Technical Analysis | 1 | 5 | 3 |
| Moving Averages | 1 | 0 | 11 |


