ProCredit Holding AG (DE:PCZ)
XETRA:PCZ
Want to see DE:PCZ full AI Analyst Report?
PCZ Stock Chart & Stats
€8.54
€0.12(1.55%)
At close: 4:00 PM EST
€8.54
€0.12(1.55%)
Day’s Range― - ―
52-Week Range€6.90 - €10.30
Previous CloseN/A
Volume7.85K
Average Volume (3M)118.91K
Market Cap
€480.61M
Enterprise Value-€184.37M
Total Cash (Recent Filing)€1.91B
Total Debt (Recent Filing)€444.09M
Price to Earnings (P/E)6.0
Beta1.12
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield7.13%
Share Statistics
EPS (TTM)1.59
Shares Outstanding58,898,490
10 Day Avg. Volume131,803
30 Day Avg. Volume118,910
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.46
Price to Sales (P/S)0.66
P/FCF Ratio-3.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.33
Revenue Forecast (FY)€476.62M
Bulls Say, Bears Say
Bulls Say
MSME-focused Business ModelA durable, specialized focus on MSMEs and retail customers across emerging Eastern and Southeastern European markets supports stable core lending volumes and sticky deposit relationships. This client mix can provide recurring net interest and fee income and structural resilience versus cyclical wholesale exposures.
Improved Profitability MarginsMaterial margin improvement into 2023–2024 indicates stronger core profitability and better conversion of banking income to earnings. If maintained, higher margins provide lasting capacity to absorb credit costs and support reinvestment and dividend capacity, strengthening long-term earnings power.
Rising Equity Supporting ResilienceA steadily growing equity base boosts loss-absorption capacity and underpins regulatory and lending headroom. Stronger capitalization supports prudent credit extension across core markets and reduces the likelihood of forced deleveraging, preserving the group's strategic lending franchise.
Bears Say
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow reduces internal funding capacity and increases reliance on external financing. Over a multi-month horizon this constrains capital allocation, raises refinancing needs, and limits the group's ability to absorb shocks or fund organic growth without raising costly external capital.
Sharp Recent Jump In Total DebtA sudden and material increase in debt materially raises leverage and refinancing exposure. Higher debt levels increase interest expense and funding risk, reducing financial flexibility over the coming months and magnifying sensitivity to regional rate or market disruptions.
Recent Revenue And Net Income DeteriorationA pronounced drop in revenue and declining net income signal weakening top-line momentum that can persist if structural drivers (demand or pricing) remain weak. This trend pressures profitability margins, limits internal cash generation, and makes achieving prior growth and payout targets more challenging.
ProCredit Holding AG News
PCZ FAQ
What was ProCredit Holding AG’s price range in the past 12 months?
ProCredit Holding AG lowest stock price was €6.90 and its highest was €10.30 in the past 12 months.
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is €480.61M.
When is ProCredit Holding AG’s upcoming earnings report date?
ProCredit Holding AG’s upcoming earnings report date is Aug 13, 2026 which is in 48 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on May 13, 2026. The company reported €0.368 earnings per share for the quarter, beating the consensus estimate of N/A by €0.368.
Is ProCredit Holding AG overvalued?
According to Wall Street analysts ProCredit Holding AG’s price is currently Overvalued.
Does ProCredit Holding AG pay dividends?
ProCredit Holding AG pays a Annually dividend of €0.47 which represents an annual dividend yield of 7.13%. See more information on ProCredit Holding AG dividends here
What is ProCredit Holding AG’s EPS estimate?
ProCredit Holding AG’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does ProCredit Holding AG have?
ProCredit Holding AG has 58,898,490 shares outstanding.
What happened to ProCredit Holding AG’s price movement after its last earnings report?
ProCredit Holding AG reported an EPS of €0.368 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.872%.
Which hedge fund is a major shareholder of ProCredit Holding AG?
Currently, no hedge funds are holding shares in DE:PCZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
ProCredit Holding AG Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
11.49%
12-Months-Change
Fundamentals
Return on Equity
7.52%
Trailing 12-Months
Asset Growth
8.43%
Trailing 12-Months
Company Description
ProCredit Holding AG
ProCredit Holding AG & Co. KGaA, along with its group entities, delivers a full spectrum of commercial banking solutions, catering to both small and medium-sized businesses (SMEs) and individual clients. Its operations span across Europe, South America, and its home country of Germany. The institution provides diverse financial products, encompassing business loans for various sectors like wholesale and retail trade, agriculture, forestry, fishing, manufacturing, transportation, storage, and other industries. These business financing options include capital for investments, working capital needs, and environmentally friendly "green" initiatives. For private individuals, ProCredit extends personal credit, including housing and investment loans, among other consumer finance solutions. Beyond lending, the bank manages various deposit accounts (current, savings, and time deposits), offers modern digital and mobile banking platforms, facilitates card payment services, and provides flexible credit facilities such as lines of credit and overdrafts. Established in 1998 in Frankfurt am Main, Germany, the company originally operated as Internationale Micro Investitionen AG before adopting its current name.
Technical Analysis
Deutsche Bank AG
―
Commerzbank
―
Deutsche Pfandbriefbank
―
GRENKE AG
―
UmweltBank AG
―
Options Prices
Currently, No data available
---