PRRCF

ProCredit Holding AG

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Price alert · PRRCF

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12.06 USD 0.00 0.00%
As of Feb 5, 2026
12.06 Day range 12.06
9.20 52-week range 12.06
YTD
+0.17%
1 year
+29.82%
Open
12.06
Prev close
12.06
Mkt cap
710.32M
Vol
170
Avg vol
3
EPS
1.48
P/E
8.15
More statistics
Low
12.06
High
12.06

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Financial health

Altman Z-Score

-0.64 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 7.2×
FY 2016: 5.9×FY 2017: 7.0×FY 2018: 7.0×FY 2019: 7.2×FY 2020: 10.6×FY 2021: 6.1×FY 2022: 12.3×FY 2023: 4.4×FY 2024: 5.1×FY 2025: 7.2×
FY 2016 5y median 6.1× FY 2025
P/S 0.8×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.9×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/B 0.6×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.2×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
P/FCF -4.3×
FY 2016: 2.4×FY 2017: 4.8×FY 2018: 160×FY 2019: 1.4×FY 2020: 4.1×FY 2021: 4.2×FY 2022: 0.4×FY 2023: 351×FY 2024: -2.4×FY 2025: -4.3×
FY 2016 5y median 0.4× FY 2025
EV/EBITDA -1.6×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 6.0×FY 2019: 5.9×FY 2020: 1.4×FY 2021: -4.8×FY 2022: -9.4×FY 2023: -2.2×FY 2024: -4.3×FY 2025: -1.6×
FY 2016 5y median -4.3× FY 2025
EV/Sales -0.3×
FY 2016: 0.8×FY 2017: 0.4×FY 2018: 2.2×FY 2019: 2.2×FY 2020: 0.7×FY 2021: -1.5×FY 2022: -6.0×FY 2023: -1.0×FY 2024: -1.0×FY 2025: -0.3×
FY 2016 5y median -1.0× FY 2025
FCF Yield -23.4%
FY 2016: 41.3%FY 2017: 21.0%FY 2018: 0.6%FY 2019: 71.6%FY 2020: 24.4%FY 2021: 23.8%FY 2022: 268.1%FY 2023: 0.3%FY 2024: -41.2%FY 2025: -23.4%
FY 2016 5y median 0.3% FY 2025

Profitability

Gross Margin 66.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 71.8%FY 2022: 150.0%FY 2023: 100.0%FY 2024: 65.2%FY 2025: 66.3%
FY 2016 5y median 71.8% FY 2025
Operating Margin 14.1%
FY 2016: 20.7%FY 2017: 53.4%FY 2018: 60.8%FY 2019: 24.9%FY 2020: 28.9%FY 2021: 28.8%FY 2022: 15.3%FY 2023: 42.7%FY 2024: 21.2%FY 2025: 14.1%
FY 2016 5y median 21.2% FY 2025
Net Margin 11.1%
FY 2016: 20.1%FY 2017: 17.1%FY 2018: 20.2%FY 2019: 19.3%FY 2020: 18.3%FY 2021: 20.4%FY 2022: 6.9%FY 2023: 28.4%FY 2024: 15.1%FY 2025: 11.1%
FY 2016 5y median 15.1% FY 2025
ROE 7.8%
FY 2016: 9.2%FY 2017: 7.1%FY 2018: 7.2%FY 2019: 6.6%FY 2020: 5.3%FY 2021: 9.3%FY 2022: 1.9%FY 2023: 11.5%FY 2024: 9.9%FY 2025: 7.8%
FY 2016 5y median 9.3% FY 2025
ROIC 0.7%
FY 2016: -3.7%FY 2017: -8.1%FY 2018: -8.6%FY 2019: 3.3%FY 2020: 2.7%FY 2021: -4.0%FY 2022: -1.5%FY 2023: 5.0%FY 2024: 6.7%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.6%FY 2021: 1.0%FY 2022: 0.2%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 0.7%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 8.4%
FY 2016: -21.9%FY 2017: -8.4%FY 2018: -3.5%FY 2019: 4.4%FY 2020: -17.1%FY 2021: 72.6%FY 2022: -38.9%FY 2023: 67.2%FY 2024: 73.3%FY 2025: 8.4%
FY 2016 FY 2025
Operating Income -28.0%
FY 2016: -13.9%FY 2017: 136.5%FY 2018: 9.9%FY 2019: -57.2%FY 2020: -3.6%FY 2021: 72.1%FY 2022: -67.5%FY 2023: 366.0%FY 2024: -14.0%FY 2025: -28.0%
FY 2016 FY 2025
EPS (diluted) -19.8%
FY 2016: 4.5%FY 2017: -25.9%FY 2018: 4.7%FY 2019: -1.1%FY 2020: -21.3%FY 2021: 92.9%FY 2022: -79.3%FY 2023: 585.7%FY 2024: -7.8%FY 2025: -19.8%
FY 2016 FY 2025
Free Cash Flow 35.2%
FY 2016: 108.9%FY 2017: -53.3%FY 2018: -96.6%FY 2019: 11702.1%FY 2020: -60.5%FY 2021: 8.4%FY 2022: 371.8%FY 2023: -99.7%FY 2024: -15545.2%FY 2025: 35.2%
FY 2016 FY 2025

Financial Health

Current Ratio 8.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 145×FY 2020: 162×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 8.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 8.1×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 294×FY 2020: 162×FY 2021: 0.7×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.2×FY 2025: 8.1×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 1.2×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 1.5×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA -5.7×
FY 2016: -0.9×FY 2017: -2.2×FY 2018: 2.1×FY 2019: 2.2×FY 2020: -2.7×FY 2021: -8.7×FY 2022: -10.7×FY 2023: -4.8×FY 2024: -7.4×FY 2025: -5.7×
FY 2016 5y median -7.4× FY 2025
Interest Coverage 0.4×
FY 2016: 0.6×FY 2017: 1.7×FY 2018: 1.8×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 1.3×FY 2022: 0.3×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.4×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 5.8%
FY 2016: 5.8%FY 2017: 6.6%FY 2018: 4.3%FY 2019: 4.7%FY 2020: 0.0%FY 2021: 6.4%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 7.1%FY 2025: 5.8%
FY 2016 5y median 5.8% FY 2025
Payout Ratio 41.6%
FY 2016: 34.2%FY 2017: 45.5%FY 2018: 30.1%FY 2019: 33.6%FY 2020: 0.0%FY 2021: 39.2%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 36.1%FY 2025: 41.6%
FY 2016 5y median 36.1% FY 2025

Annual · latest fiscal year ends 2025-12-31