ProCredit Holding AG & Co. KGaA
ProCredit Holding AG, together with its subsidiaries, provides commercial banking products and services for small and medium enterprises and private customers in Europe, South America, and Germany. The company accepts various deposits, including current, savings, and term deposit accounts. It also offers business loans for wholesale and retail trade; agriculture; forestry and fishing; production;… Read more
ProCredit Holding AG & Co. KGaA (PRRCF) - Net Assets
Latest net assets as of September 2025: $1.05 Billion USD
Based on the latest financial reports, ProCredit Holding AG & Co. KGaA (PRRCF) has net assets worth $1.05 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($11.07 Billion) and total liabilities ($10.01 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.05 Billion |
| % of Total Assets | 9.51% |
| Annual Growth Rate | 6.37% |
| 5-Year Change | 35.42% |
| 10-Year Change | 74.82% |
| Growth Volatility | 5.13 |
ProCredit Holding AG & Co. KGaA - Net Assets Trend (2012–2024)
This chart illustrates how ProCredit Holding AG & Co. KGaA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for ProCredit Holding AG & Co. KGaA (2012–2024)
The table below shows the annual net assets of ProCredit Holding AG & Co. KGaA from 2012 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $1.06 Billion | +7.33% |
| 2023-12-31 | $983.79 Million | +13.15% |
| 2022-12-31 | $869.43 Million | +1.53% |
| 2021-12-31 | $856.31 Million | +9.82% |
| 2020-12-31 | $779.73 Million | -2.96% |
| 2019-12-31 | $803.49 Million | +8.05% |
| 2018-12-31 | $743.63 Million | +12.92% |
| 2017-12-31 | $658.53 Million | +0.65% |
| 2016-12-31 | $654.27 Million | +8.32% |
| 2015-12-31 | $604.00 Million | +8.75% |
| 2014-12-31 | $555.38 Million | +10.47% |
| 2013-12-31 | $502.74 Million | -0.08% |
| 2012-12-31 | $503.13 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to ProCredit Holding AG & Co. KGaA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 300.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $693.15 Million | 65.65% |
| Common Stock | $294.49 Million | 27.89% |
| Other Comprehensive Income | $68.26 Million | 6.46% |
| Total Equity | $1.06 Billion | 100.00% |
ProCredit Holding AG & Co. KGaA Competitors by Market Cap
The table below lists competitors of ProCredit Holding AG & Co. KGaA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ls Cable & System Asia Ltd
KO:229640
|
$330.46 Million |
|
Dave & Buster’s Entertainment
NASDAQ:PLAY
|
$330.63 Million |
|
Shanghai Kai Kai Industry Co Ltd A
SHG:600272
|
$330.69 Million |
|
Galatasaray Sportif Sinai ve Ticari Yatirimlar AS
IS:GSRAY
|
$330.71 Million |
|
Hudson Pacific Properties Inc
NYSE:HPP
|
$330.44 Million |
|
Suzhou Hycan Holdings Co Ltd
SHE:002787
|
$330.29 Million |
|
Yalla Group Ltd
NYSE:YALA
|
$330.21 Million |
|
Shanghai Action Education Technology CO.LTD.
SHG:605098
|
$330.20 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ProCredit Holding AG & Co. KGaA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 983,789,000 to 1,055,902,000, a change of 72,113,000 (7.3%).
- Net income of 104,309,000 contributed positively to equity growth.
- Dividend payments of 37,695,000 reduced retained earnings.
- Other comprehensive income increased equity by 4,866,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $104.31 Million | +9.88% |
| Dividends Paid | $37.70 Million | -3.57% |
| Other Comprehensive Income | $4.87 Million | +0.46% |
| Other Changes | $633.00K | +0.06% |
| Total Change | $- | 7.33% |
Book Value vs Market Value Analysis
This analysis compares ProCredit Holding AG & Co. KGaA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.52x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.04x to 0.52x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2012-12-31 | $8.97 | $9.29 | x |
| 2013-12-31 | $9.01 | $9.29 | x |
| 2014-12-31 | $10.05 | $9.29 | x |
| 2015-12-31 | $11.14 | $9.29 | x |
| 2016-12-31 | $12.65 | $9.29 | x |
| 2017-12-31 | $12.16 | $9.29 | x |
| 2018-12-31 | $12.59 | $9.29 | x |
| 2019-12-31 | $13.46 | $9.29 | x |
| 2020-12-31 | $13.24 | $9.29 | x |
| 2021-12-31 | $14.54 | $9.29 | x |
| 2022-12-31 | $14.76 | $9.29 | x |
| 2023-12-31 | $16.70 | $9.29 | x |
| 2024-12-31 | $17.93 | $9.29 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ProCredit Holding AG & Co. KGaA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.88%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.07%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.18x
- Recent ROE (9.88%) is above the historical average (7.99%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 9.33% | 8.56% | 0.09x | 12.01x | $-3.23 Million |
| 2013 | 7.64% | 7.54% | 0.08x | 12.10x | $-11.39 Million |
| 2014 | 8.89% | 11.84% | 0.07x | 11.09x | $-6.00 Million |
| 2015 | 9.99% | 15.73% | 0.06x | 10.08x | $-51.70K |
| 2016 | 9.20% | 20.09% | 0.05x | 8.77x | $-5.18 Million |
| 2017 | 7.11% | 17.09% | 0.05x | 8.45x | $-18.84 Million |
| 2018 | 7.17% | 20.19% | 0.04x | 8.11x | $-20.80 Million |
| 2019 | 6.64% | 19.27% | 0.04x | 8.45x | $-26.65 Million |
| 2020 | 5.31% | 18.29% | 0.03x | 9.40x | $-36.58 Million |
| 2021 | 9.30% | 20.38% | 0.05x | 9.59x | $-5.99 Million |
| 2022 | 1.90% | 6.91% | 0.03x | 10.15x | $-70.45 Million |
| 2023 | 11.52% | 28.39% | 0.04x | 9.91x | $14.99 Million |
| 2024 | 9.88% | 15.07% | 0.06x | 10.18x | $-1.28 Million |
Industry Comparison
This section compares ProCredit Holding AG & Co. KGaA's net assets metrics with peer companies in the Banks - Diversified industry.
Industry Context
- Industry: Banks - Diversified
- Average net assets among peers: $245,254,219,103
- Average return on equity (ROE) among peers: 10.10%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ProCredit Holding AG & Co. KGaA (PRRCF) | $1.05 Billion | 9.33% | 9.52x | $330.45 Million |
| ABN AMRO Bank N.V (AAVMY) | $27.04 Billion | 8.33% | 14.28x | $11.03 Billion |
| Agricultural Bank of China PK (ACGBY) | $290.54 Billion | 17.72% | 23.14x | $259.69 Billion |
| ANZ Group Holdings Limited (ANZGY) | $70.02 Billion | 10.15% | 14.79x | $48.69 Billion |
| Bank of America Corp (BAC) | $270.07 Billion | 11.84% | 10.74x | $338.02 Billion |
| Bank of China Ltd H (BACHF) | $861.54 Billion | 16.21% | 13.72x | $77.92 Billion |
| Banco Bilbao Vizcaya Argentaria S.A (BBVXF) | $4.73 Billion | 9.43% | 14.29x | $81.72 Billion |
| Banco Santander S.A (BCDRF) | $73.87 Billion | 12.11% | 14.03x | $86.81 Billion |
| Barclays PLC (BCLYF) | $808.57 Billion | 0.43% | 0.14x | $42.51 Billion |
| Bancorp. of Southern Indiana (BCSO) | $46.62 Million | 6.99% | 9.62x | $74.68 Million |
| The Bank of New York Mellon Corporation (BK) | $46.12 Billion | 7.84% | 9.18x | $79.57 Billion |