About ProCredit Holding AG & Co. KGaA (PRRCF) — Dividend Analysis 2026
ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's financial products; business loans for wholesale and retail trade, agriculture, forestry and fishing, production, transportation and storage, and other activities, as well as investment, working capital, and green loans; and private loans, such as housing, investment, and other loans. It also offers current, savings, and term deposit accounts; mobile and electronic banking services; and card payment services, as well as grants credit lines and overdrafts. The company was formerly known as Internationale Micro Investitionen AG and changed its name to ProCredit Holding AG & Co. KGaA. ProCredit Holding AG & Co. KGaA was founded in 1998 and is based in Frankfurt am Main, Germany.
Is PRRCF a good dividend investment in 2026?
PRRCF offers a 7.22% forward yield with a 50% payout ratio. Strand Safety Score: 38/100 (High Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
PRRCF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your PRRCF portfolio grows to $11.00M vs $10.25M without reinvestment. This is the compound interest effect in action.
PRRCF dividend growth history & forecast
PRRCF has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 7.22%.
Company generates negative FCF ($-141M) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.1B → +0.1B → +0.1B
8 / 30 pts
8/30
Net income is positive but trending down — watch for further deterioration
OVERALL ASSESSMENT
Dividend sustainability questionable — consider alternative income stocks.
STRAND SCORE
38
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 PRRCF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PRRCF.
Gross yield
7.22%
Tax rate
15.00%
After-tax yield
6.14%
Real yield (−CPI)
3.34%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
7.22%
4.42%
$722 / yr
🇺🇸 US Taxable (15%) ✓
15%
6.14%
3.34%
$614 / yr
🇺🇸 US Taxable (20%)
20%
5.78%
2.98%
$578 / yr
🇬🇧 UK ISA
0%
7.22%
4.42%
$722 / yr
🇬🇧 UK Taxable
8.75%
6.59%
3.79%
$659 / yr
🇨🇦 TFSA
0%
7.22%
4.42%
$722 / yr
🇨🇦 CA Taxable
25%
5.42%
2.62%
$542 / yr
🇦🇺 Super (pension)
15%
6.14%
3.34%
$614 / yr
🇦🇺 AU Taxable
30%
5.05%
2.25%
$505 / yr
🇩🇪 DE Taxable
26.375%
5.32%
2.52%
$532 / yr
🇫🇷 FR Taxable
30%
5.05%
2.25%
$505 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PRRCF Income Goal & Break-Even
Dividend Break-Even
17yr
Years for dividends to fully repay your PRRCF investment of $9.33/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$6.4K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$4.0K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in PRRCF for:
Shares needed
41,893
Capital required
$390,862
Monthly income
$2,000
Based on current dividend of $0.67/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PRRCF Dividend Payment Schedule
PRRCF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.43 / payment
$5.73 / year after tax
100 shares
$14.32 / payment
$57.29 / year after tax
1,000 shares
$143.22 / payment
$572.90 / year after tax
📊 PRRCF vs Financial Services Benchmarks
How PRRCF compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+4.32% vs sectorBetter
PRRCF
7.22%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
PRRCF
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
PRRCF
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PRRCF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PRRCF Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-05-13(in 43 days)
🔬
Financial Health Scores
Altman Z-Score
0.40
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PRRCF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →