ProCredit Holding AG (PRRCF) Price & Analysis

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PRRCF Stock Chart & Stats

$9.35

-$0.25(-2.60%)

Jul 23, 2026

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Day’s Range― - ―

52-Week Range$7.65 - $12.06

Previous CloseN/A

VolumeN/A

Average Volume (3M)N/A

Market Cap

$559.28M

Enterprise Value-$262.11

Total Cash (Recent Filing)$1.95B

Total Debt (Recent Filing)$1.26B

Price to Earnings (P/E)6.0

Beta0.50

Next Earnings

Aug 13, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)1.36

Shares Outstanding58,898,490

10 Day Avg. VolumeN/A

30 Day Avg. VolumeN/A

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 Cap>-0.01

Enterprise Value/Revenue>-0.01

Enterprise Value/Gross Profit>-0.01

Enterprise Value/Ebitda>-0.01

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)1.52

Revenue Forecast (FY)$543.03M

Bulls Say, Bears Say

Bulls Say

SME-focused Relationship Banking ModelA relationship-driven SME banking model supports durable deposit franchises and deeper client stickiness. Long-term advisory lending to SMEs creates recurring net interest and fee income streams, fostering stable revenue generation and lower behavioral volatility versus transactional-only banks.

Growing Equity Base Supports ResilienceSteady equity growth strengthens capital buffers and regulatory headroom, enabling continued lending and loss absorption. A stronger equity base improves funding flexibility and credibility with counterparties, reducing structural vulnerability during stress or cyclical slowdowns.

Improved Profitability And Margins Into 2023–2024Material margin expansion indicates improved pricing, cost control or higher-yielding assets, which can sustainably enhance return on equity if maintained. Stronger margins provide more internal capacity for provisioning, reinvestment, and dividend upstreaming to the holding company.

Bears Say

Persistent Negative Operating And Free Cash FlowTwo consecutive years of negative operating and free cash flow reduce internal funding capacity and force reliance on external financing. Over months, this raises refinancing risk, constrains discretionary spending and dividend capacity, and weakens the group's ability to self-fund loan growth.

Large Recent Jump In Total DebtA sudden material increase in debt meaningfully raises leverage and interest obligations, tightening financial flexibility. Over time elevated debt amplifies sensitivity to funding-cost shifts, can pressure capital ratios and limit room for organic expansion or stress absorption.

Sharp Latest-year Revenue Decline And Weaker EarningsA pronounced revenue drop and falling net income signal deteriorating top-line momentum and potential demand weakness among core SME clients. If sustained, this reduces operating leverage benefits, curtails retained earnings growth and undermines medium-term profitability resilience.

PRRCF FAQ

What was ProCredit Holding’s price range in the past 12 months?

ProCredit Holding lowest stock price was $7.65 and its highest was $12.06 in the past 12 months.

What is ProCredit Holding’s market cap?

ProCredit Holding’s market cap is $559.28M.

When is ProCredit Holding’s upcoming earnings report date?

ProCredit Holding’s upcoming earnings report date is Aug 13, 2026 which is in 20 days.

How were ProCredit Holding’s earnings last quarter?

ProCredit Holding released its earnings results on May 13, 2026. The company reported $0.419 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Is ProCredit Holding overvalued?

According to Wall Street analysts ProCredit Holding’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does ProCredit Holding pay dividends?

ProCredit Holding pays a N/A dividend of $0.542 which represents an annual dividend yield of N/A. See more information on ProCredit Holding dividends here

What is ProCredit Holding’s EPS estimate?

ProCredit Holding’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does ProCredit Holding have?

ProCredit Holding has 58,898,490 shares outstanding.

What happened to ProCredit Holding’s price movement after its last earnings report?

ProCredit Holding reported an EPS of $0.419 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of ProCredit Holding?

Currently, no hedge funds are holding shares in PRRCF

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

Technicals

Fundamentals

Return on Equity

5.80%

Trailing 12-Months

Asset Growth

8.43%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

ProCredit Holding

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.