ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,652	2,008	2,101	2,276	1,828	1,428
Investment Securities	980.79	821.34	599.23	391.57	241.95	225.62
Trading Asset Securities	6.72	6.85	6.66	8.08	12.73	1.34
Total Investments	987.51	828.19	605.89	399.66	254.67	226.96
Gross Loans	8,433	7,766	7,016	6,232	6,115	5,929
Allowance for Loan Losses	-192.24	-188.75	-182.21	-197.33	-215.65	-131.45
Net Loans	8,241	7,577	6,834	6,035	5,899	5,798
Property, Plant & Equipment	162.77	160.66	152.13	137.42	133.7	137.54
Goodwill	-	3.07	3.17	3.14	3.57	5.23
Other Intangible Assets	53	43.95	31.17	19.59	14.43	13.18
Investments in Real Estate	-	1.26	1.41	2.69	3.65	5.9
Other Receivables	23.01	35.6	19.71	15.78	16.54	13.65
Restricted Cash	793.15	900.09	960.64	821.75	642.3	565.8
Other Current Assets	-	22.54	24.36	19.48	15.41	13.75
Long-Term Deferred Tax Assets	9.29	9.42	11.55	12.2	10.71	1.75
Other Real Estate Owned & Foreclosed	-	5.3	6.06	5.88	3.77	6.27
Other Long-Term Assets	6.29	0	-0	-0	-	0
Total Assets	11,928	11,595	10,752	9,749	8,826	8,216

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	14.13	13.75	9.11	6.85	9.93
Accrued Expenses	11.31	16.74	16.06	11.77	10.08	8.72
Interest Bearing Deposits	5,577	5,465	4,955	4,208	3,473	2,964
Non-Interest Bearing Deposits	3,760	3,671	3,336	3,046	2,817	2,578
Total Deposits	9,337	9,136	8,291	7,254	6,290	5,542
Short-Term Borrowings	4.77	1.62	1.25	1.33	0.61	0.36
Current Portion of Long-Term Debt	-	262.05	372.78	435.66	479.79	516.65
Current Portion of Leases	-	6.71	5.62	4.15	5.35	5.59
Current Income Taxes Payable	8.7	3.85	22.81	23.51	2.03	3.61
Other Current Liabilities	-	6.27	4.24	3.93	-	-
Long-Term Debt	1,243	1,018	919.4	978.37	1,124	1,238
Long-Term Leases	-	33.46	26.43	22.52	19.04	14.41
Long-Term Unearned Revenue	-	-	-	-	-	3.04
Pension & Post-Retirement Benefits	4.84	4.46	4.12	2.41	2.33	1.76
Long-Term Deferred Tax Liabilities	1.27	1.24	1.29	1.45	1.89	0.64
Other Long-Term Liabilities	83.36	16.52	16.6	16.71	14.77	15
Total Liabilities	10,695	10,521	9,696	8,765	7,957	7,360

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	441.28	294.49	294.49	294.49	294.49	294.49
Retained Earnings	753.05	742.26	693.15	625.91	512.54	496.04
Comprehensive Income & Other	-109.43	37.31	68.26	63.39	62.4	65.78
Total Common Equity	1,085	1,074	1,056	983.79	869.43	856.31
Minority Interest	148.5	-	-	-	-	-
Shareholders' Equity	1,233	1,074	1,056	983.79	869.43	856.31
Total Liabilities & Equity	11,928	11,595	10,752	9,749	8,826	8,216

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1,248	1,322	1,325	1,442	1,629	1,775
Net Cash (Debt)	410.96	693.45	782.69	842.32	211.67	-345.04
Net Cash Growth	-20.49%	-11.40%	-7.08%	297.94%	-	-
Net Cash Per Share	6.98	11.77	13.29	14.30	3.59	-5.86
Filing Date Shares Outstanding	59.24	58.9	58.9	58.9	58.9	58.9
Total Common Shares Outstanding	59.24	58.9	58.9	58.9	58.9	58.9
Book Value Per Share	18.31	18.24	17.93	16.70	14.76	14.54
Tangible Book Value	1,032	1,027	1,022	961.06	851.44	837.9
Tangible Book Value Per Share	17.42	17.44	17.34	16.32	14.46	14.23

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 24, 2026

Data Sources Report a data error