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 - €10.30
Previous CloseN/A
Volume7.85K
Average Volume (3M)118.91K
Market Cap
€505.35M
Enterprise Value-€184.37M
Total Cash (Recent Filing)€1.91B
Total Debt (Recent Filing)€444.09M
Price to Earnings (P/E)6.4
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 Target
€15.50Price Target Upside81.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.33
Revenue Forecast (FY)€476.62M
Bulls Say, Bears Say
Bulls Say
Focused MSME Banking FranchiseA focused franchise serving micro, small and medium enterprises across emerging SE and E Europe creates a durable lending niche. Structural SME finance demand and local deposit franchises support steady loan volume generation and sticky customer relationships over multiple cycles.
Steady Equity GrowthSustained growth in equity builds a stronger capital buffer that supports organic lending expansion and loss absorption. A healthier equity base improves regulatory headroom and long-term resilience versus peers, reducing the sensitivity of franchise stability to cyclical shocks.
Improved Profitability TrendMaterial margin improvement through 2023–2024 indicates better pricing, mix or cost control, supporting recurring earnings capacity. Higher sustainable net margins increase cash available for capital build, provisioning and selective reinvestment, strengthening long-term earnings power.
Bears Say
Weak Cash GenerationPersistent negative operating and free cash flow reduces internal funding for loan growth, capex and dividends, forcing reliance on external funding. Over months to years this raises refinancing needs, elevates liquidity risk and constrains strategic flexibility.
Recent Sharp Increase In DebtA sudden, large uptick in debt materially increases leverage and funding risk, weakening balance-sheet stability. Higher external borrowings elevate interest exposure and refinancing pressure, reducing capital flexibility and raising downside vulnerability in adverse markets.
Latest-year Revenue And Earnings DeteriorationA marked revenue decline and lower net income signal weakening core business momentum, which can persist if driven by market share loss or reduced lending activity. Prolonged top-line weakness pressures margins, provisioning capacity and long-term profitability sustainability.
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 €505.35M.
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 52 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 Undervalued.
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
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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.
PCZ Stock 12 Month Forecast
Average Price Target
€15.50
▲(81.50% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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