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ProCredit Holding AG (DE:PCZ)
XETRA:PCZ
Germany Market
PCZ
ProCredit Holding AG
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ProCredit Holding AG (PCZ) Ratios

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ProCredit Holding AG Ratios

DE:PCZ's free cash flow for Q2 2025 was €0.87. For the 2025 fiscal year, DE:PCZ's free cash flow was decreased by € and operating cash flow was €0.06. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 8.06 8.06 0.24 0.28 0.26
Quick Ratio
 8.06 8.06 0.24 0.28 0.26
Cash Ratio
 8.06 8.06 0.23 0.28 0.25
Solvency Ratio
 <0.01 0.01 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.00 -0.37 -0.02 <0.01 0.07
Short-Term Operating Cash Flow Coverage
 0.00 -0.37 0.00 0.00 0.00
Net Current Asset Value
€ -8.36B€ -8.36B€ -7.49B€ -6.39B€ -5.99B
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.04 0.03 0.04
Debt-to-Equity Ratio
 1.23 1.23 0.36 0.32 0.36
Debt-to-Capital Ratio
 0.55 0.55 0.26 0.24 0.26
Long-Term Debt-to-Capital Ratio
 0.49 0.49 0.26 0.24 0.26
Financial Leverage Ratio
 10.80 10.80 10.18 9.91 10.15
Debt Service Coverage Ratio
 0.16 0.21 0.54 0.78 1.26
Interest Coverage Ratio
 0.44 0.44 0.64 0.78 0.15
Debt to Market Cap
 2.63 2.59 0.83 0.66 1.41
Interest Debt Per Share
 26.52 26.52 10.34 8.60 7.30
Net Debt to EBITDA
 -8.00 -6.49 -10.64 -10.86 -10.70
Profitability Margins
Gross Profit Margin
66.31%66.31%66.63%69.11%74.98%
EBIT Margin
14.07%14.07%21.19%23.98%3.73%
EBITDA Margin
14.07%17.36%24.25%29.95%31.84%
Operating Profit Margin
14.07%14.07%21.19%23.98%3.73%
Pretax Profit Margin
14.07%14.07%21.19%23.98%3.73%
Net Profit Margin
11.12%11.12%15.07%18.12%3.45%
Continuous Operations Profit Margin
11.11%11.11%15.07%18.12%3.45%
Net Income Per EBT
79.04%79.04%71.11%75.57%92.44%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.72%0.72%0.97%1.16%0.19%
Return on Equity (ROE)
7.88%7.77%9.88%11.52%1.90%
Return on Capital Employed (ROCE)
0.93%0.93%9.69%10.97%1.47%
Return on Invested Capital (ROIC)
0.72%0.72%6.89%8.29%1.35%
Return on Tangible Assets
0.72%0.72%0.97%1.17%0.19%
Earnings Yield
17.08%16.80%22.94%23.76%7.51%
Efficiency Ratios
Receivables Turnover
 0.00 32.58 51.70 46.03 34.57
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.67 4.67 4.55 4.55 3.58
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.27 -0.29 -0.11 -0.11 -0.09
Cash Conversion Cycle
 0.00 11.20 7.06 7.93 10.56
Days of Sales Outstanding
 0.00 11.20 7.06 7.93 10.56
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 11.20 7.06 7.93 10.56
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 -1.69 -3.00 0.50 9.63
Free Cash Flow Per Share
 0.00 -2.40 -3.70 0.02 9.27
CapEx Per Share
 0.00 0.70 0.70 0.47 0.36
Free Cash Flow to Operating Cash Flow
 0.00 1.41 1.23 0.05 0.96
Dividend Paid and CapEx Coverage Ratio
 0.00 -1.31 -2.25 1.05 26.71
Capital Expenditure Coverage Ratio
 0.00 -2.41 -4.31 1.05 26.71
Operating Cash Flow Coverage Ratio
 0.00 -0.08 -0.47 0.09 1.83
Operating Cash Flow to Sales Ratio
 0.00 -0.13 -0.26 0.05 1.18
Free Cash Flow Yield
0.00%-28.39%-47.90%0.30%248.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.85 5.95 4.36 4.21 13.32
Price-to-Sales (P/S) Ratio
 0.65 0.66 0.66 0.76 0.46
Price-to-Book (P/B) Ratio
 0.46 0.46 0.43 0.48 0.25
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 -3.52 -2.09 338.35 0.40
Price-to-Operating Cash Flow Ratio
 0.00 -4.98 -2.57 16.31 0.39
Price-to-Earnings Growth (PEG) Ratio
 -0.30 -0.30 -0.56 <0.01 -0.17
Price-to-Fair Value
 0.46 0.46 0.43 0.48 0.25
Enterprise Value Multiple
 -3.38 -2.67 -7.93 -8.31 -9.26
Enterprise Value
 -356.72M -348.48M -1.33B -1.56B -1.41B
EV to EBITDA
 -3.38 -2.67 -7.93 -8.31 -9.26
EV to Sales
 -0.48 -0.46 -1.92 -2.49 -2.95
EV to Free Cash Flow
 0.00 2.47 6.11 -1.10K -2.58
EV to Operating Cash Flow
 0.00 3.49 7.53 -53.24 -2.49
Tangible Book Value Per Share
 17.44 17.44 17.34 16.32 14.46
Shareholders’ Equity Per Share
 18.24 18.24 17.93 16.70 14.76
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.29 0.24 0.08
Revenue Per Share
 12.75 12.75 11.75 10.62 8.12
Net Income Per Share
 1.42 1.42 1.77 1.92 0.28
Tax Burden
 0.79 0.79 0.71 0.76 0.92
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.17 0.21 0.13 0.10 0.11
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 -1.20 -1.20 0.26 31.77
Currency in EUR