EQS-Adhoc: ProCredit Holding AG reduces guidance for group return on equity for current financial year
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EQS-Ad-hoc: ProCredit Holding AG / Key word(s): Change in Forecast Frankfurt am Main, 28 October 2025 – Today, the Management Board of ProCredit Holding AG updated the guidance for the group’s return on equity for the 2025 financial year. The return on equity is now expected to be 7 – 8% (previous guidance: around 10%). The adjustment was made in response to an increase in the assumed loss allowance for the 2025 financial year. The current expectation for loss allowance is higher than the previous assumption of “continued low cost of risk”. In the third quarter of this financial year, loss allowance of EUR 16.6 million was booked, relating largely to project finance. With today's resolution, the Management Board has also updated its assessment on the magnitude and timing of potential releases of loss allowance. Accordingly, the updated forecast for return on equity no longer assumes a possible release in the current financial year. The guidance for the loan portfolio growth of the group of around 12% (adjusted for foreign exchange effects) and for the CET1 ratio of around 13% (each at the end of the 2025 financial year) have been confirmed in the course of this adjustment. The group’s cost-income ratio for the 2025 financial year is now expected to be around 72% (previous guidance: around 70%). The ProCredit group will publish its quarterly report for the third quarter on 13 November 2025. End of Inside Information Information and Explanation of the Issuer to this announcement: Contact Investor Relations, ProCredit Holding AG, Tel.:+ 49 69 95 14 37 300, e-mail: pch.ir@procredit-group.com
About ProCredit Holding AG ProCredit Holding AG, based in Frankfurt am Main, Germany, is the parent company of the development-oriented ProCredit group, which consists of commercial banks for micro, small and medium enterprises (MSMEs) as well as private individuals, fostering economic, ecological and social development. In addition to its operational focus on South Eastern and Eastern Europe, the ProCredit group is also active in South America and Germany. The company’s shares are traded on the Prime Standard segment of the Frankfurt Stock Exchange. The main shareholders of ProCredit Holding AG include Zeitinger Invest GmbH, KfW, the Dutch DOEN Participaties BV, the European Bank for Reconstruction and Development and ProCredit Staff Invest GmbH & Co. KG. As the group’s superordinated company according to the German Banking Act and as the parent financial holding company of the ProCredit financial holding group, ProCredit Holding AG is supervised on a consolidated level by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin) and the German Bundesbank. For additional information, visit: https://www.procredit-holding.com/
28-Oct-2025 CET/CEST The EQS Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases. |
| Language: | English |
| Company: | ProCredit Holding AG |
| Rohmerplatz 33-37 | |
| 60486 Frankfurt am Main | |
| Germany | |
| Phone: | +49-69-951437-0 |
| Fax: | +49-69-951437-168 |
| E-mail: | pch.info@procredit-group.com |
| Internet: | www.procredit-holding.com |
| ISIN: | DE0006223407, DE000A289FD2, DE000A3E5LD7, DE000A0N37P3, DE000A161YW4, DE000A3MP7Z1, DE000A289E87, DE000A3E47A7, DE000A2YN7F2, DE000A2YN017 |
| WKN: | 622340 |
| Indices: | SDAX |
| Listed: | Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Berlin, Dusseldorf, Munich, Stuttgart, Tradegate Exchange |
| EQS News ID: | 2219750 |
| End of Announcement | EQS News Service |
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2219750 28-Oct-2025 CET/CEST
Boersengefluester.de (BGFL) provides an overview of the key figures on sales, earnings, cash flow and dividends to help you better assess the fundamental development of the respective companies. All information is entered manually in our database - the source is the respective annual reports. All estimates for future figures are provided by BGFL.
| The most important financial data at a glance | ||||||||
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | ||
| Sales1 | 252,60 | 252,11 | 281,88 | 339,85 | 412,51 | 444,30 | 439,00 | |
| EBITDA1,2 | 76,87 | 52,09 | 94,53 | 17,85 | 150,02 | 167,82 | 157,00 | |
| EBITDA-Margin3 | 30,43 | 20,66 | 33,54 | 5,25 | 36,37 | 37,77 | 35,76 | |
| EBIT1,4 | 76,87 | 52,09 | 94,53 | 17,85 | 150,02 | 146,68 | 135,00 | |
| EBIT-Margin5 | 30,43 | 20,66 | 33,54 | 5,25 | 36,37 | 33,01 | 30,75 | |
| Net Profit (Loss)1 | 54,31 | 41,40 | 79,64 | 16,50 | 113,37 | 104,31 | 78,00 | |
| Net-Margin6 | 21,50 | 16,42 | 28,25 | 4,86 | 27,48 | 23,48 | 17,77 | |
| Cashflow1,7 | 290,34 | 135,89 | 133,15 | 566,94 | 524,05 | -176,75 | 160,00 | |
| Earnings per share8 | 0,89 | 0,70 | 1,35 | 0,28 | 1,92 | 1,77 | 1,30 | |
| Dividend per share8 | 0,89 | 0,53 | 1,35 | 0,28 | 0,64 | 0,59 | 0,50 | |
1 in Mio. Euro; 2 EBITDA = Earnings before interest, taxes, depreciation and amortisation; 3 EBITDA in relation to sales; 4 EBIT = Earnings before interest and taxes; 5 EBIT in relation to sales; 6 Net profit (-loss) in relation to sales; 7 Cashflow from operations; 8 in Euro; Source: boersengefluester.de
Auditor: BDO
All relevant valuation ratios, dates and other investor information on your share at a glance. Good to know: All data comes from boersengefluester.de and is updated daily. This means you are always up to date. You can get brief explanations of the key figures by moving the cursor or mouse over the relevant field.
| INVESTOR-INFORMATION | ||||||
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| ProCredit Holding | ||||||
| WKN | ISIN | Legal Type | Marketcap | IPO | Recommendation | Plus Code |
| 622340 | DE0006223407 | AG | 475,90 Mio € | 22.12.2016 | Kaufen | 9F2C4JCV+FR |
| PE 2026e | PE 10Y-Ø | BGFL-Ratio | Shiller-PE | PB | PCF | KUV |
| 5,69 | 9,64 | 0,59 | 7,10 | 0,47 | -2,69 | 1,07 |
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Dividend '2023 in € |
Dividend '2024 in € |
Dividend '2025e in € |
Div.-Yield '2025e in % |
| 0,64 | 0,59 | 0,50 | 6,19% |
| Annual General Meeting | Q1-figures | Q2-figures | Q3-figures | Annual press conference |
| 03.06.2026 | 13.05.2026 | 13.08.2026 | 13.11.2025 | 19.03.2026 |
| Distance 60-days-line | Distance 200-days-line | Performance YtD | Performance 52 weeks | IPO |
| -5,95% | -13,43% | +4,66% | +4,94% | -34,26% |
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