ProCredit Holding AGLTS:0RL9 -1.93%64 Net Margin % is 19.03% as of Mar. 2026, which is 3% below its 10-year median of 19.63. GuruFocus rates LTS:0RL9 with a GF Score™ of 64/100 and a GF Value™ of €8.97 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, ProCredit Holding AG ranks worse than 77.41% on this metric.
The historical rank and industry rank for ProCredit Holding AG's Net Margin % or its related term are showing as below:
LTS:0RL9'
s Net Margin % Range Over the Past 10 Years
Min: 4.59 Med: 19.63 Max: 26.31
Current: 17.11
LTS:0RL9's Net Margin % is ranked worse than 77.41% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LTS:0RL9: 17.11
ProCredit Holding AG (LTS:0RL9) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ProCredit Holding AG Net Margin % Related Terms
ProCredit Holding AG Net Margin % Historical Data
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The historical data trend for ProCredit Holding AG's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LTS:0RL9 vs JPM, BAC, WFC: Net Margin % Comparison
For the Banks - Diversified subindustry, ProCredit Holding AG's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ProCredit Holding AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ProCredit Holding AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where ProCredit Holding AG's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ProCredit Holding AG (LTS:0RL9) has a Net Margin % of 19.03% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on ProCredit Holding AG and its competitors. This is near median its historical median of 19.63. Over the past decade, ProCredit Holding AG's Net Margin % has ranged from 4.59 to 26.31. According to the industry distribution chart, ProCredit Holding AG ranks #1182 out of 1527 companies in the Banks industry, placing it in the top 77.4%.
Is ProCredit Holding AG's Net Margin % too high?
ProCredit Holding AG's current Net Margin % of 19.03% is near median its 10-year median of 19.63. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 26.31. The Banks industry median Net Margin % is 26.95. ProCredit Holding AG's value of 19.03% is 29.4% below this industry median. Based on the distribution chart, ProCredit Holding AG ranks #1182 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ProCredit Holding AG has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ProCredit Holding AG's Net Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #1182 out of 1527 companies for Net Margin %. This places ProCredit Holding AG in the lower half of its industry. The industry median Net Margin % is 26.95. ProCredit Holding AG's value of 19.03% is 29.4% below this benchmark. Historically, ProCredit Holding AG's own Net Margin % has ranged from 4.59 to 26.31 over the past decade. While the company's 10-year median is 19.63 vs. the industry median of 26.95, ProCredit Holding AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ProCredit Holding AG's current Net Margin % of 19.03% is 29.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ProCredit Holding AG and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ProCredit Holding AG's current Net Margin % is 19.03%, which is near median its own 10-year median of 19.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ProCredit Holding AG stock overvalued right now?
Based on GuruFocus' analysis, ProCredit Holding AG (LTS:0RL9) is currently considered Fairly Valued. The stock's GF Value™ is €8.97, compared to a current price of €8.14 — trading 9.3% below its estimated fair value. The current Net Margin % is 19.03%, which is near median its 10-year median of 19.63 and 29.4% below the Banks industry median of 26.95. ProCredit Holding AG's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ProCredit Holding AG (LTS:0RL9), the current Net Margin % is 19.03% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ProCredit Holding AG (LTS:0RL9) Overvalued in 2026?
Based on GuruFocus' analysis, ProCredit Holding AG stock appears to be undervalued.
The current stock price of €8.14 is trading 9.3% below its estimated GF Value™ of €8.97.
GuruFocus considers ProCredit Holding AG to be Fairly Valued.
Key valuation signals for LTS:0RL9:
Net Margin %: 19.03% (near median its 10-year median of 19.63)
GF Value™: €8.97 vs. price of €8.14 (9.3% below fair value)
Industry Position: 29.4% below the Banks median (#1182 of 1527)
No single metric tells the full story. See the LTS:0RL9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ProCredit Holding AG provides financial products and services. It performs general banking functions like accepting deposits, providing loans, current and savings accounts, and other banking services. The company's geographical segments are South-Eastern Europe, consisting of seven banks in the following countries: Albania, Bosnia and Herzegovina, Bulgaria (including branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia; Eastern Europe, with three banks located in the following countries, Georgia, Moldova, and Ukraine; South America, consisting of one bank in Ecuador; and Germany, consisting of the ProCredit Bank in Germany, ProCredit Holding, Quipu and the ProCredit Academy in Furth.
64GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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