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PCZ Stock Chart & Stats
€8.32
-€0.06(-0.72%)
At close: 4:00 PM EDT
€8.32
-€0.06(-0.72%)
Day’s Range― - ―
52-Week Range€6.90 - €10.30
Previous CloseN/A
Volume28.42K
Average Volume (3M)118.91K
Market Cap
€483.56M
Enterprise Value-€262.11
Total Cash (Recent Filing)€1.95B
Total Debt (Recent Filing)€1.26B
Price to Earnings (P/E)6.0
Beta1.12
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.72%
Share Statistics
EPS (TTM)1.36
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
SME-focused Relationship BankingA relationship-driven SME banking model creates durable customer stickiness and stable deposit funding. Advisory-oriented service to SMEs supports deeper client relationships, recurring fee opportunities and resilience through business-cycle lending needs across SE and E Europe, supporting long-term net interest income stability.
Improving Profitability TrajectorySustained margin improvement into 2023–2024 suggests better underwriting, pricing and operating leverage. Higher net margins increase retained earnings capacity and buffer against cyclical shocks, supporting longer-term earnings sustainability if credit quality and loan mix remain disciplined.
Steady Equity GrowthA steadily growing equity base enhances capital resilience and loss-absorption capacity, enabling organic lending growth and regulatory compliance. This structural strength improves long-term stability and the bank's ability to finance SME clients without immediate external capital raises.
Bears Say
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow undermines internal funding capacity and increases reliance on external financing. Over months this constrains capital allocation, limits capacity for organic growth or dividends, and heightens vulnerability to funding cost rises or market access deterioration.
Large Recent Debt IncreaseA sudden, sizable increase in debt raises leverage and interest-service obligations, reducing flexibility and increasing refinancing and liquidity risk. This structural shift can strain capital ratios, elevate funding costs, and constrain the bank's ability to absorb credit losses or pursue growth without further external support.
Sharp Recent Revenue And Earnings DeclineA marked revenue drop and lower net income indicate weakening demand or margin pressure that could persist. Structural declines in core income reduce earnings power, impede rebuilding of cash buffers, and make long-term targets for provisioning, growth and capital accumulation harder to achieve without strategic remediation.
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 €483.56M.
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 5 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, missing the consensus estimate of N/A by N/A.
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 5.72%. 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, missing 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
5.72%
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
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