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ProCredit Holding AG (DE:PCZ)
XETRA:PCZ
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ProCredit Holding AG (PCZ) AI Stock Analysis

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DE:PCZ

ProCredit Holding AG

(XETRA:PCZ)

Rating:72Outperform
Price Target:
€10.00
▲(10.13%Upside)
ProCredit Holding AG's overall score is bolstered by strong valuation metrics, with a low P/E ratio and high dividend yield indicating potential undervaluation. Financial performance is solid with revenue growth and a debt-free balance sheet, but is offset by declining margins and negative cash flow metrics. Technical indicators present mixed signals, with bearish momentum but nearing oversold conditions, suggesting caution.

ProCredit Holding AG (PCZ) vs. iShares MSCI Germany ETF (EWG)

ProCredit Holding AG Business Overview & Revenue Model

Company DescriptionProCredit 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.
How the Company Makes MoneyProCredit Holding AG generates revenue primarily through interest income from loans and advances to customers, which is the largest component of its income. The company offers a range of financial services including business loans, personal loans, and mortgage products, focusing heavily on SMEs. Additionally, it earns fee and commission income from account maintenance, transaction services, and other banking operations. ProCredit also places a strong emphasis on digital banking solutions, which help reduce operational costs and enhance customer experience, thereby contributing to its profitability. Partnerships with international financial institutions and development organizations may also play a role in supporting its operations and funding growth initiatives.

ProCredit Holding AG Financial Statement Overview

Summary
ProCredit Holding AG shows robust revenue growth and a solid balance sheet with no debt. However, declining profit margins and negative cash flow metrics indicate potential challenges in operational efficiency and cash management. Overall, the company is financially stable but needs to address profitability and cash flow issues to sustain growth.
Income Statement
75
Positive
ProCredit Holding AG demonstrates a strong revenue growth trend over the past years, with a notable increase from the previous year. However, the net profit margin has decreased from 28.39% in 2023 to 22.62% in 2024. The absence of EBIT and EBITDA for 2024 limits a comprehensive evaluation of operational efficiency.
Balance Sheet
80
Positive
The company maintains a healthy balance sheet with zero debt in 2024, significantly improving its debt-to-equity position. The equity ratio has slightly increased, which indicates a stable financial structure. However, the return on equity has decreased from 11.52% in 2023 to 9.88% in 2024, suggesting a need for improved profitability.
Cash Flow
60
Neutral
The company faces challenges in cash flow management, reflected by negative free cash flow in 2024. The operating cash flow to net income ratio is negative, highlighting inefficiencies in converting income into cash. The decrease in free cash flow growth rate raises concerns about the sustainability of cash generation.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue692.08M399.39M358.36M301.86M273.07M
Gross Profit461.15M658.03M358.36M301.86M273.07M
EBITDA167.82M173.53M152.33M125.21M105.59M
Net Income104.31M113.37M16.50M79.64M41.40M
Balance Sheet
Total Assets10.75B9.75B8.83B8.22B7.33B
Cash, Cash Equivalents and Short-Term Investments2.16B2.35B1.94B1.55B1.41B
Total Debt377.80M313.03M309.98M460.62M374.61M
Total Liabilities9.70B8.77B7.96B7.36B6.55B
Stockholders Equity1.06B983.79M869.43M856.31M779.73M
Cash Flow
Free Cash Flow-217.78M1.41M545.71M115.66M106.65M
Operating Cash Flow-176.75M29.26M566.94M133.15M135.88M
Investing Cash Flow-35.98M-22.42M-12.48M-13.44M-25.54M
Financing Cash Flow54.85M1.01B-1.30M-36.01M-16.43M

ProCredit Holding AG Technical Analysis

Technical Analysis Sentiment
Negative
Last Price9.08
Price Trends
50DMA
9.62
Negative
100DMA
9.39
Negative
200DMA
8.62
Positive
Market Momentum
MACD
-0.06
Positive
RSI
40.06
Neutral
STOCH
7.13
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:PCZ, the sentiment is Negative. The current price of 9.08 is below the 20-day moving average (MA) of 9.45, below the 50-day MA of 9.62, and above the 200-day MA of 8.62, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 40.06 is Neutral, neither overbought nor oversold. The STOCH value of 7.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:PCZ.

ProCredit Holding AG Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
€534.80M5.579.17%6.50%6.69%-18.28%
61
Neutral
C$14.89B6.4022.28%5.40%30.07%-22.51%
€156.29M22.50
4.44%
€181.31M
€240.66M10.2913.31%2.62%
€26.81M
€141.57M11.84
2.75%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:PCZ
ProCredit Holding AG
9.18
1.18
14.75%
DE:QB7
Quirin Privatbank AG
3.60
-0.19
-5.01%
DE:UBK
UmweltBank AG
5.06
-0.98
-16.23%
DE:BWB
Baader Bank AG
4.96
0.98
24.62%
DE:VG80
Varengold Bank AG
2.67
-0.79
-22.83%
DE:MBK
MERKUR PRIVATBANK KGaA
18.20
3.77
26.13%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 19, 2025