ProCredit Holding AG (DE:PCZ)
XETRA:PCZ
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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 - €11.45
Previous CloseN/A
Volume7.85K
Average Volume (3M)118.91K
Market Cap
€481.79M
Enterprise Value-€381.46M
Total Cash (Recent Filing)€1.91B
Total Debt (Recent Filing)€444.09M
Price to Earnings (P/E)4.9
Beta1.06
Next Earnings
May 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 Target
€15.50Price Target Upside81.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.54
Revenue Forecast (FY)€476.03M
Bulls Say, Bears Say
Bulls Say
Focused MSME Franchise In Emerging MarketsA durable business model: serving MSMEs across multiple emerging European markets creates recurring loan and deposit flows tied to commercial banking activities. This client focus supports stable net interest and fee income over time and leverages local banking subsidiaries for diversified country exposure.
Material Improvement In ProfitabilitySustained margin improvement indicates better earnings quality and operating leverage versus prior years. Higher net margins, if maintained, enhance internal capital generation and resilience to credit cycles, supporting longer-term profitability even if top-line growth moderates.
Steady Equity Growth And Balance-sheet ResilienceA stronger equity base provides regulatory buffers and loss-absorbing capacity, enabling continued lending and risk-taking without immediate capital raises. This structural strength supports medium-term stability and underwriting capacity across its subsidiary banks.
Bears Say
Weak Cash GenerationPersistent negative operating and free cash flow reduces internal funding capacity and forces greater reliance on external financing. Over months this weakens financial flexibility, raises refinancing and liquidity risk for a bank that needs stable deposit and wholesale funding to support lending.
Large Recent Jump In DebtA sharp increase in debt materially raises leverage and funding costs, increasing sensitivity to interest and liquidity shocks. Combined with weak cash flow, higher debt constrains capital flexibility and elevates refinancing risk over the medium term.
Sharp Latest-year Revenue And Earnings DeclineA pronounced drop in revenue and a decline in net income signal weakening demand or margin pressures. If persistent, this undermines organic growth, impairs internal capital accrual and may limit the bank's ability to expand lending or absorb credit losses over the next several months.
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 €11.45 in the past 12 months.
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is €481.79M.
When is ProCredit Holding AG’s upcoming earnings report date?
ProCredit Holding AG’s upcoming earnings report date is May 13, 2026 which is in 8 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on Mar 19, 2026. The company reported €0.429 earnings per share for the quarter, beating the consensus estimate of N/A by €0.429.
Is ProCredit Holding AG overvalued?
According to Wall Street analysts ProCredit Holding AG’s price is currently Undervalued.
Does ProCredit Holding AG pay dividends?
ProCredit Holding AG pays a Annually dividend of €0.59 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 €0.429 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -7.654%.
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
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10
Technicals
SMA
Negative
20 days / 200 days
Momentum
11.49%
12-Months-Change
Fundamentals
Return on Equity
7.88%
Trailing 12-Months
Asset Growth
7.85%
Trailing 12-Months
Company Description
ProCredit Holding AG
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.
PCZ Stock 12 Month Forecast
Average Price Target
€15.50
▲(81.50% Upside)
Technical Analysis
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Options Prices
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