Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/PP3 stock hub

FRA/PP3 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.1B

Frankfurt Stock Exchange

Market data

Price

Recent price action with selectable time range.

FRA/PP3FRA/PP3

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In the news

Latest news · FRA/PP3

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E4.2

P25 n/aP50 n/aP75 n/a

Trailing P/E3.6

P25 n/aP50 n/aP75 n/a

ROE15.7

P25 n/aP50 n/aP75 n/a

ROIC48.6

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/PP3 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

205

Groups with data

Currency

CNY

Showing 205 of 205 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Cayman Islands
Country code	DE
Employees	3,623
Employees Change	-25%
Employees Change Percent	-0.69
Enterprise value	EUR 420.9M
Exchange	Frankfurt Stock Exchange
Financial currency	CNY
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 1.1B
Price	EUR 4.24
Price currency	EUR
Rev Per Employee	456,069.63x
Sic	6141
Symbol	fra/PP3
Website	https://ir.finvgroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	27.86%
EV Earnings	1.36x
EV/EBIT	0.54x
EV/EBITDA	0.53x
EV/Sales	0.26x
Forward P/E	4.17x
P/B ratio	0.54x
P/E ratio	3.59x
P/S ratio	0.67x
PE Ratio10 Y	4.78x
PE Ratio3 Y	4.71x
PE Ratio5 Y	4.63x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	47.36%
EBITDA Margin	47.87%
Gross margin	73.93%
Gross Profit	EUR 1.2B
Gross Profit Growth	-3.39%
Gross Profit Growth Q	-30.31%
Gross Profit Growth3 Y	4.36%
Gross Profit Growth5 Y	10.82%
Net Income	EUR 309.6M
Net Income Growth	6.68%
Net Income Growth Q	-37.61%
Net Income Growth3 Y	3.91%
Net Income Growth5 Y	5.21%
Pretax Margin	22.86%
Profit Margin	18.74%
Profit Per Employee	EUR 85,450
ROA	16.39
Roa5y	18.5
ROCE	27.63
ROE	15.71
Roe5y	19.17
ROIC	48.62
Roic5y	85.74

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	-42.35%
Cagr3y	10.95%
Cagr5y	-0.44%
Div CAGR3	10.69%
Div CAGR5	13.79%
EPS Growth	6.08
EPS Growth Q	-37.95
EPS Growth3 Y	7.17
EPS Growth5 Y	7.78
FCF Growth	-34.82%
FCF Growth Q	264.24%
FCF Growth3 Y	116.46%
FCF Growth5 Y	-3.19%
OCF Growth	-35.45%
OCF Growth Q	199.18%
OCF Growth3 Y	99.02%
OCF Growth5 Y	-3.28%
Revenue Growth	3.7x
Revenue Growth Q	-13.01x
Revenue Growth3 Y	6.35x
Revenue Growth5 Y	11.74x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.55
Assets	EUR 3.1B
Cash	EUR 889M
Current Assets	EUR 2.5B
Current Liabilities	EUR 268.9M
Debt	EUR 161.2M
Debt EBITDA	EUR 0.2
Debt Equity	EUR 0.08
Equity	EUR 2.1B
Liabilities	EUR 1B
Long Term Assets	EUR 571.4M
Long Term Liabilities	EUR 774.6M
Net Cash	EUR 727.7M
Net Cash By Market Cap	EUR 65.49
Net Cash Growth	-20%
Net Debt EBITDA	EUR -0.92
Net Debt Equity	EUR -0.35
Tangible Book Value	EUR 2B
Tangible Book Value Per Share	EUR 7.95

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	9.38
Net Working Capital	EUR 1.3B
Quick ratio	4.33
Working Capital	EUR 2.2B
Working Capital Turnover	EUR 0.09

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-1.06%
Dividend Growth	6.68%
Dividend Growth Years	6%
Dividend per share	EUR 0.24
Dividend Years	7
Dividend Yield	5.61%
Ex Div Date	2026-04-16
Last Dividend	EUR 0.24
Payout Frequency	Annual

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	-42.33%
200-day SMA	5.2
3Y total return	36.59%
50-day SMA	4.3
50-day SMA vs 200-day SMA	50under200
5Y total return	-2.17%
All Time High	9.75
All Time High Change	-56.51%
All Time High Date	2025-03-19
All Time Low	1.17
All Time Low Change	262.39%
All Time Low Date	2020-03-19
ATR	0.1
Ch YTD	-1.4
High	4.24
High52	9.25
High52 Date	2025-07-15
High52ch	-54.16%
Low	4.24
Low52	3.9
Low52 Date	2026-04-22
Low52ch	8.72%
Ma50ch	-1.49%
Price vs 200-day SMA	-18.46%
RSI	52.24
RSI Monthly	42.18
RSI Weekly	42.21
Sharpe ratio	-0.78x
Sortino ratio	-0.97
Total Return	4.55%
Tr YTD	4.61
Tr1m	4.61%
Tr1w	1.44%
Tr3m	6.59%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 782.5M
Operating Income Growth	-10.02
Operating Income Growth Q	-45.33
Operating Income Growth3 Y	3.14
Operating Income Growth5 Y	7.18
Operating margin	47.36

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	115,709,369%
Shares Insiders	49.99%
Shares Institutions	28.64%
Shares Qo Q	-1.57%
Shares Yo Y	1.06%
Short Ratio	5.76

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	100x
Bv Per Share	8.12
Ch1m	-1.4
Ch1w	1.44
Ch1y	-45.64
Ch3m	0.47
Ch3y	19.1
Ch5y	-22.91
Ch6m	-16.86
Change	-1.85%
Change From Open	0
Close	4.32
Days Gap	-1.85
Depreciation Amortization	8,664,528.8
Earnings Date	2026-05-15
EBIT	EUR 782.5M
EBITDA	EUR 791M
EPS	EUR 1.17
F Score	3
Financing CF	-23,707,907
Fiscal Year End	December
Founded	2,007
Goodwill	9,944,800.8
Graham Number	14.42313
Graham Upside	240.2
Income Tax	EUR 67.7M
Investing CF	-265,906,259
Is Primary Listing	0
Last Earnings Date	2026-03-16
Last Report Date	2025-12-31
Lynch Fair Value	EUR 6.15
Lynch Upside	45.02
Ma150	4.59
Ma150ch	-7.63%
Ma20	4.11
Ma20ch	3.21%
Net CF	-66,863,394
Next Earnings Date	2026-05-15
Open	4.24
P OCF Ratio	4.89
Payment Date	2026-05-07
Ppne	86,449,032.6
Price Date	2026-05-08
Price EBITDA	EUR 1.4
Ptbv Ratio	0.56
Relative Volume	2.9x
Revenue	1,652,340,259x
Tax By Revenue	4.1x
Tax Rate	17.93%
Tr6m	-11.8%
Volume	0
Z Score	3.95

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/PP3 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.6%

$0.24 annual per share

Payout ratio

n/a

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+13.8%

6 consecutive years of growth

Total shareholder yield

+4.5%

Next ex-dividend date: 2026-04-16

Performance

FRA/PP3 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/PP3?

Insider, institutional, and short-interest positioning.

Institutional ownership

+28.6%

Share of float held by funds and institutions

Insider ownership

+50.0%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/PP3 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

52.2

Neutral momentum band

Price vs 200-day MA

-18.5%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

-0.78

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/PP3

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/PP3 stock rating?

fra/PP3 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/PP3 analysis?

The full report lives at /stocks/fra/PP3/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/PP3?

The latest report frames fra/PP3 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/PP3 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.