View ValuationProCredit Holding 将来の成長Future 基準チェック /46ProCredit Holding利益と収益がそれぞれ年間20.9%と10.8%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に12% 21.5%なると予測されています。主要情報20.9%収益成長率21.51%EPS成長率Banks 収益成長8.3%収益成長率10.8%将来の株主資本利益率11.97%アナリストカバレッジLow最終更新日01 Jun 2026今後の成長に関する最新情報Price Target Changed • Mar 27Price target increased by 18% to €17.00Up from €14.47, the current price target is an average from 3 analysts. New target price is 98% above last closing price of €8.60. Stock is up 38% over the past year. The company is forecast to post earnings per share of €1.84 for next year compared to €1.92 last year.Price Target Changed • Nov 21Price target increased by 7.4% to €14.47Up from €13.47, the current price target is an average from 3 analysts. New target price is 79% above last closing price of €8.06. Stock is up 120% over the past year. The company is forecast to post earnings per share of €1.91 for next year compared to €0.28 last year.Price Target Changed • Aug 23Price target increased by 13% to €13.47Up from €11.96, the current price target is an average from 2 analysts. New target price is 86% above last closing price of €7.24. Stock is up 113% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.Price Target Changed • Aug 21Price target increased by 8.6% to €12.63Up from €11.63, the current price target is an average from 2 analysts. New target price is 80% above last closing price of €7.02. Stock is up 104% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.Price Target Changed • Jun 09Price target increased by 9.1% to €11.96Up from €10.96, the current price target is an average from 2 analysts. New target price is 72% above last closing price of €6.96. Stock is up 74% over the past year. The company is forecast to post earnings per share of €1.43 for next year compared to €0.28 last year.Price Target Changed • Mar 29Price target increased by 20% to €10.96Up from €9.13, the current price target is an average from 2 analysts. New target price is 76% above last closing price of €6.24. Stock is up 63% over the past year. The company is forecast to post earnings per share of €1.06 for next year compared to €0.28 last year.すべての更新を表示Recent updatesお知らせ • Jun 05ProCredit Holding AG Approves Supervisory Board ChangesProCredit Holding AG held its Annual General Meeting for 2026 in Frankfurt am Main on 3 June 2026. Furthermore, a resolution was adopted on elections to the Supervisory Board. Mr. Eelko Bronkhorst, Managing Director of Crosspath International B.V., Bussum (Netherlands), and Mr. Markus Neukirch, a member of the Management Board of Deutsche WertpapierService Bank AG, Reichelsheim, have been newly elected to the Supervisory Board. At the subsequent meeting of the Supervisory Board, Mr. Bronkhorst was elected Chairman of the Supervisory Board to succeed the outgoing Rainer Peter Ottenstein.Declared Dividend • May 20Dividend reduced to €0.47Dividend of €0.47 is 20% lower than last year. Ex-date: 4th June 2026 Payment date: 8th June 2026 Dividend yield will be 5.9%, which is higher than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (33% payout ratio) and is expected to be well covered in 3 years' time (32% forecast payout ratio). The dividend has increased by an average of 2.4% per year over the past 9 years. However, payments have been volatile during that time. EPS is expected to grow by 68% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 22+ 1 more updateProCredit Holding AG, Annual General Meeting, Jun 03, 2026ProCredit Holding AG, Annual General Meeting, Jun 03, 2026, at 10:00 W. Europe Standard Time.お知らせ • Nov 15+ 3 more updatesProCredit Holding AG to Report First Half, 2026 Results on Aug 13, 2026ProCredit Holding AG announced that they will report first half, 2026 results on Aug 13, 2026お知らせ • Jun 06ProCredit Holding AG Approves Dividend for the Financial Year 2024ProCredit Holding AG held its Annual General Meeting for 2025 on 4 June 2025, The General Meeting resolved to pay out a dividend of EUR 0.59 per ordinary share, in accordance with the proposal of the Administration, submitted against the backdrop of positive business development. In line with the group’s dividend policy, according to which one third of the consolidated result is to be paid out as a dividend, a total of EUR 34.8 million will be distributed as a dividend for the 2024 financial year.お知らせ • Apr 25ProCredit Holding AG, Annual General Meeting, Jun 04, 2025ProCredit Holding AG, Annual General Meeting, Jun 04, 2025, at 10:00 W. Europe Standard Time.お知らせ • Mar 29ProCredit Holding AG announces Annual dividend, payable on June 09, 2025ProCredit Holding AG announced Annual dividend of EUR 0.5900 per share payable on June 09, 2025, ex-date on June 05, 2025 and record date on June 06, 2025.お知らせ • Nov 13+ 3 more updatesProCredit Holding AG to Report First Half, 2025 Results on Aug 14, 2025ProCredit Holding AG announced that they will report first half, 2025 results on Aug 14, 2025Reported Earnings • Aug 15Second quarter 2024 earnings released: EPS: €0.41 (vs €0.59 in 2Q 2023)Second quarter 2024 results: EPS: €0.41 (down from €0.59 in 2Q 2023). Revenue: €107.1m (up 7.8% from 2Q 2023). Net income: €24.1m (down 31% from 2Q 2023). Profit margin: 23% (down from 35% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 7.6% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • May 29Upcoming dividend of €0.64 per shareEligible shareholders must have bought the stock before 05 June 2024. Payment date: 07 June 2024. Trailing yield: 6.5%. Within top quartile of German dividend payers (4.6%). In line with average of industry peers (6.3%).Reported Earnings • May 16First quarter 2024 earnings released: EPS: €0.57 (vs €0.50 in 1Q 2023)First quarter 2024 results: EPS: €0.57 (up from €0.50 in 1Q 2023). Revenue: €106.9m (up 16% from 1Q 2023). Net income: €33.5m (up 14% from 1Q 2023). Profit margin: 31% (in line with 1Q 2023). Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Price Target Changed • Mar 27Price target increased by 18% to €17.00Up from €14.47, the current price target is an average from 3 analysts. New target price is 98% above last closing price of €8.60. Stock is up 38% over the past year. The company is forecast to post earnings per share of €1.84 for next year compared to €1.92 last year.New Risk • Mar 22New minor risk - Dividend sustainabilityThe company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 7.7% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. This is currently the only risk that has been identified for the company.Reported Earnings • Mar 22Full year 2023 earnings released: EPS: €1.93 (vs €0.28 in FY 2022)Full year 2023 results: EPS: €1.93 (up from €0.28 in FY 2022). Revenue: €399.4m (up 67% from FY 2022). Net income: €113.4m (up €96.9m from FY 2022). Profit margin: 28% (up from 6.9% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.60% (up from 3.10% in FY 2022). Cost-to-income ratio: 57.0% (down from 64.0% in FY 2022). Non-performing loans: 2.68% (down from 3.22% in FY 2022). Revenue is forecast to stay flat during the next 2 years compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Price Target Changed • Nov 21Price target increased by 7.4% to €14.47Up from €13.47, the current price target is an average from 3 analysts. New target price is 79% above last closing price of €8.06. Stock is up 120% over the past year. The company is forecast to post earnings per share of €1.91 for next year compared to €0.28 last year.Reported Earnings • Nov 15Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: €406.9m (up €342.3m from 3Q 2022). Net income: €357.1m (up €347.5m from 3Q 2022). Profit margin: 88% (up from 15% in 3Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is expected to decline by 18% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 2.1%.お知らせ • Nov 15+ 3 more updatesProCredit Holding AG to Report Fiscal Year 2023 Results on Mar 20, 2024ProCredit Holding AG announced that they will report fiscal year 2023 results on Mar 20, 2024お知らせ • Nov 14ProCredit Holding AG, Annual General Meeting, Jun 04, 2024ProCredit Holding AG, Annual General Meeting, Jun 04, 2024.Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €7.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 47% over the past three years.Price Target Changed • Aug 23Price target increased by 13% to €13.47Up from €11.96, the current price target is an average from 2 analysts. New target price is 86% above last closing price of €7.24. Stock is up 113% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.Price Target Changed • Aug 21Price target increased by 8.6% to €12.63Up from €11.63, the current price target is an average from 2 analysts. New target price is 80% above last closing price of €7.02. Stock is up 104% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.Reported Earnings • Aug 15Second quarter 2023 earnings released: EPS: €0.59 (vs €0.15 in 2Q 2022)Second quarter 2023 results: EPS: €0.59 (up from €0.15 in 2Q 2022). Revenue: €99.4m (up 61% from 2Q 2022). Net income: €34.6m (up 267% from 2Q 2022). Profit margin: 35% (up from 15% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 3.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.お知らせ • Jul 23ProCredit Holding AG & Co. KGaA and Ms Sandrine Massiani Agrees that Ms Massiani's Management Board Contract Will End on 31 December 2023The Supervisory Board of ProCredit Holding AG & Co. KGaA and Ms Sandrine Massiani have agreed that Ms Massiani's Management Board contract will end on 31 December 2023. Ms Massiani is currently a member of the Management Board of ProCredit General Partner AG, the general partner of ProCredit Holding, and is responsible for Human Resources and Fraud Prevention/Compliance/AML. Ms Massiani will depart from the Management Board by mutual agreement at the end of 2023.Price Target Changed • Jun 09Price target increased by 9.1% to €11.96Up from €10.96, the current price target is an average from 2 analysts. New target price is 72% above last closing price of €6.96. Stock is up 74% over the past year. The company is forecast to post earnings per share of €1.43 for next year compared to €0.28 last year.Valuation Update With 7 Day Price Move • Jun 02Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €6.70, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 9.0% over the past three years.Reported Earnings • May 21First quarter 2023 earnings released: EPS: €0.50 (vs €0.03 loss in 1Q 2022)First quarter 2023 results: EPS: €0.50 (up from €0.03 loss in 1Q 2022). Revenue: €91.8m (up 118% from 1Q 2022). Net income: €29.5m (up €31.2m from 1Q 2022). Profit margin: 32% (up from net loss in 1Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.Price Target Changed • Mar 29Price target increased by 20% to €10.96Up from €9.13, the current price target is an average from 2 analysts. New target price is 76% above last closing price of €6.24. Stock is up 63% over the past year. The company is forecast to post earnings per share of €1.06 for next year compared to €0.28 last year.Valuation Update With 7 Day Price Move • Mar 27Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €5.42, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 13% over the past three years.Valuation Update With 7 Day Price Move • Jan 25Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €5.02, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 24% over the past three years.お知らせ • Dec 21+ 4 more updatesProCredit Holding AG & Co. KGaA to Report First Half, 2023 Results on Aug 14, 2023ProCredit Holding AG & Co. KGaA announced that they will report first half, 2023 results on Aug 14, 2023Valuation Update With 7 Day Price Move • Oct 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.20, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 53% over the past three years.Reported Earnings • Aug 16Second quarter 2022 earnings released: EPS: €0.15 (vs €0.35 in 2Q 2021)Second quarter 2022 results: EPS: €0.15 (down from €0.35 in 2Q 2021). Revenue: €60.8m (down 9.8% from 2Q 2021). Net income: €9.42m (down 55% from 2Q 2021). Profit margin: 16% (down from 31% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the next year, revenue is forecast to grow 11%, compared to a 16% growth forecast for the Banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 21% per year, which means it is significantly lagging earnings.Price Target Changed • Aug 12Price target decreased to €8.83Down from €9.59, the current price target is an average from 2 analysts. New target price is 145% above last closing price of €3.60. Stock is down 51% over the past year. The company is forecast to post a net loss per share of €0.82 compared to earnings per share of €1.35 last year.Reported Earnings • May 15First quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behindFirst quarter 2022 results: €0.03 loss per share (down from €0.27 profit in 1Q 2021). Revenue: €42.1m (down 29% from 1Q 2021). Net loss: €1.71m (down 111% from profit in 1Q 2021). Revenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) missed analyst estimates. Over the next year, revenue is forecast to grow 8.8%, compared to a 13% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings.Price Target Changed • May 05Price target decreased to €11.26Down from €12.15, the current price target is an average from 2 analysts. New target price is 212% above last closing price of €3.61. Stock is down 59% over the past year. The company is forecast to post a net loss per share of €0.82 compared to earnings per share of €1.35 last year.Price Target Changed • Apr 01Price target increased to €16.00Up from €12.15, the current price target is provided by 1 analyst. New target price is 337% above last closing price of €3.66. Stock is down 60% over the past year. The company is forecast to post a net loss per share of €1.76 compared to earnings per share of €1.35 last year.Valuation Update With 7 Day Price Move • Feb 25Investor sentiment deteriorated over the past weekAfter last week's 22% share price decline to €5.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 10x in the Banks industry in Europe. Total loss to shareholders of 43% over the past three years.Upcoming Dividend • Dec 02Upcoming dividend of €0.35 per shareEligible shareholders must have bought the stock before 09 December 2021. Payment date: 13 December 2021. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (3.4%).Price Target Changed • Nov 19Price target increased to €13.25Up from €12.15, the current price target is an average from 4 analysts. New target price is 64% above last closing price of €8.10. Stock is up 36% over the past year. The company is forecast to post earnings per share of €1.40 for next year compared to €0.70 last year.Reported Earnings • Nov 12Third quarter 2021 earnings releasedThe company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: €74.7m (up 29% from 3Q 2020). Net income: €25.7m (up 119% from 3Q 2020). Profit margin: 34% (up from 20% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 7% per year.Price Target Changed • Aug 20Price target increased to €12.03Up from €11.10, the current price target is an average from 4 analysts. New target price is 57% above last closing price of €7.68. Stock is up 31% over the past year.Reported Earnings • Aug 14Second quarter 2021 earnings released: EPS €0.35 (vs €0.14 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €67.4m (up 32% from 2Q 2020). Net income: €20.7m (up 160% from 2Q 2020). Profit margin: 31% (up from 16% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has fallen by 12% per year, which means it is performing significantly worse than earnings.Executive Departure • Jun 04Supervisory Board Member of Procredit General Partner AG Petar Slavov has left the companyOn the 27th of May, Petar Slavov's tenure as Supervisory Board Member of Procredit General Partner AG ended. We don't have any record of a personal shareholding under Petar's name. A total of 2 executives have left over the last 12 months.Executive Departure • Jun 04Supervisory Board Member of Procredit General Partner AG Christian Kramer has left the companyOn the 27th of May, Christian Kramer's tenure as Supervisory Board Member of Procredit General Partner AG ended. We don't have any record of a personal shareholding under Christian's name. A total of 2 executives have left over the last 12 months.Upcoming Dividend • May 21Upcoming dividend of €0.18 per shareEligible shareholders must have bought the stock before 28 May 2021. Payment date: 01 June 2021. Trailing yield: 2.1%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.7%).Reported Earnings • May 14First quarter 2021 earnings released: EPS €0.27 (vs €0.23 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €59.2m (up 2.4% from 1Q 2020). Net income: €15.6m (up 14% from 1Q 2020). Profit margin: 26% (up from 24% in 1Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 8% per year.Price Target Changed • Mar 29Price target increased to €10.30Up from €9.43, the current price target is an average from 4 analysts. New target price is 16% above last closing price of €8.90. Stock is up 75% over the past year.Reported Earnings • Mar 27Full year 2020 earnings released: EPS €0.70 (vs €1.02 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €226.3m (down 12% from FY 2019). Net income: €41.4m (down 31% from FY 2019). Profit margin: 18% (down from 23% in FY 2019). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.90% (down from 3.10% in FY 2019). Cost-to-income ratio: 68.0% (down from 70.5% in FY 2019). Non-performing loans: 2.49% (up from 2.41% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 8% per year, which means it is performing significantly worse than earnings.Price Target Changed • Mar 26Price target increased to €9.55Up from €8.93, the current price target is an average from 4 analysts. New target price is 14% above last closing price of €8.40. Stock is up 66% over the past year.Valuation Update With 7 Day Price Move • Feb 20Investor sentiment improved over the past weekAfter last week's 18% share price gain to €8.35, the stock is trading at a trailing P/E ratio of 10.1x, up from the previous P/E ratio of 8.5x. This compares to an average P/E of 12x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 25%.Is New 90 Day High Low • Feb 18New 90-day high: €7.85The company is up 31% from its price of €6.00 on 19 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €18.19 per share.Price Target Changed • Feb 16Price target raised to €8.93Up from €7.49, the current price target is an average from 4 analysts. The new target price is 24% above the current share price of €7.20. As of last close, the stock is down 0.7% over the past year.Is New 90 Day High Low • Dec 18New 90-day high: €7.20The company is up 29% from its price of €5.60 on 18 September 2020. The German market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €14.82 per share.Is New 90 Day High Low • Dec 01New 90-day high: €6.15The company is up 2.0% from its price of €6.05 on 02 September 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.92 per share.Reported Earnings • Nov 13Third quarter 2020 earnings released: EPS €0.20The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: €58.1m (down 15% from 3Q 2019). Net income: €11.7m (down 44% from 3Q 2019). Profit margin: 20% (down from 31% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 22% per year, which means it is significantly lagging earnings.Is New 90 Day High Low • Oct 21New 90-day low: €5.00The company is down 19% from its price of €6.20 on 22 July 2020. The German market is down 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 1.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €11.56 per share.Is New 90 Day High Low • Oct 05New 90-day low: €5.20The company is down 17% from its price of €6.25 on 07 July 2020. The German market is flat over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.43 per share.Is New 90 Day High Low • Sep 19New 90-day low: €5.60The company is down 7.0% from its price of €6.00 on 19 June 2020. The German market is up 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 13% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.19 per share.業績と収益の成長予測DB:PCZ - アナリストの将来予測と過去の財務データ ( )EUR Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/2028586145N/AN/A312/31/2027526115N/AN/A312/31/202647378N/AN/A33/31/202643180N/AN/AN/A12/31/202542983-989-947N/A9/30/202543178N/AN/AN/A6/30/202545094-1,285-1,244N/A3/31/202545096N/AN/AN/A12/31/2024451104-1,251-1,210N/A9/30/2024434104N/AN/AN/A6/30/2024423107-763-735N/A3/31/2024414117N/AN/AN/A12/31/2023399113-473-445N/A9/30/202336393N/AN/AN/A6/30/2023327732950N/A3/31/202328948N/AN/AN/A12/31/202223916-198-177N/A9/30/202224735N/AN/AN/A6/30/202225751-626-609N/A3/31/202226362N/AN/AN/A12/31/202128080-527-510N/A9/30/202126170N/AN/AN/A6/30/202124456-442-413N/A3/31/202122843N/AN/AN/A12/31/202022641-462-432N/A9/30/202024249N/AN/AN/A6/30/202025258-276-256N/A3/31/202025861N/AN/AN/A12/31/201925760N/A-246N/A9/30/201925060N/AN/AN/A6/30/201924356N/A-217N/A3/31/201924458N/AN/AN/A12/31/201824660N/A-230N/A9/30/201824154N/AN/AN/A6/30/201824254N/A-107N/A3/31/201824751N/AN/AN/A1/1/201825046N/A-65N/A9/30/201725645N/AN/AN/A6/30/201725642N/A-224N/A3/31/201726145N/AN/AN/A12/31/201626145N/A-92N/A9/30/201625541N/A24N/A6/30/201625739N/A25N/A3/31/201624833N/A45N/A12/31/201526637N/A-56N/A9/30/201535054N/A-51N/A6/30/201536953N/A-160N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: PCZの予測収益成長率 (年間20.9% ) は 貯蓄率 ( 1.9% ) を上回っています。収益対市場: PCZの収益 ( 20.9% ) はGerman市場 ( 17% ) よりも速いペースで成長すると予測されています。高成長収益: PCZの収益は今後 3 年間で 大幅に 増加すると予想されています。収益対市場: PCZの収益 ( 10.8% ) German市場 ( 6.7% ) よりも速いペースで成長すると予測されています。高い収益成長: PCZの収益 ( 10.8% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: PCZの 自己資本利益率 は、3年後には低くなると予測されています ( 12 %)。成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/10 18:36終値2026/06/10 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋ProCredit Holding AG 4 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。5 アナリスト機関Marius FuhrbergBerenbergMilosz PapstEdison Investment ResearchKnud HinkelPareto Securities2 その他のアナリストを表示
Price Target Changed • Mar 27Price target increased by 18% to €17.00Up from €14.47, the current price target is an average from 3 analysts. New target price is 98% above last closing price of €8.60. Stock is up 38% over the past year. The company is forecast to post earnings per share of €1.84 for next year compared to €1.92 last year.
Price Target Changed • Nov 21Price target increased by 7.4% to €14.47Up from €13.47, the current price target is an average from 3 analysts. New target price is 79% above last closing price of €8.06. Stock is up 120% over the past year. The company is forecast to post earnings per share of €1.91 for next year compared to €0.28 last year.
Price Target Changed • Aug 23Price target increased by 13% to €13.47Up from €11.96, the current price target is an average from 2 analysts. New target price is 86% above last closing price of €7.24. Stock is up 113% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.
Price Target Changed • Aug 21Price target increased by 8.6% to €12.63Up from €11.63, the current price target is an average from 2 analysts. New target price is 80% above last closing price of €7.02. Stock is up 104% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.
Price Target Changed • Jun 09Price target increased by 9.1% to €11.96Up from €10.96, the current price target is an average from 2 analysts. New target price is 72% above last closing price of €6.96. Stock is up 74% over the past year. The company is forecast to post earnings per share of €1.43 for next year compared to €0.28 last year.
Price Target Changed • Mar 29Price target increased by 20% to €10.96Up from €9.13, the current price target is an average from 2 analysts. New target price is 76% above last closing price of €6.24. Stock is up 63% over the past year. The company is forecast to post earnings per share of €1.06 for next year compared to €0.28 last year.
お知らせ • Jun 05ProCredit Holding AG Approves Supervisory Board ChangesProCredit Holding AG held its Annual General Meeting for 2026 in Frankfurt am Main on 3 June 2026. Furthermore, a resolution was adopted on elections to the Supervisory Board. Mr. Eelko Bronkhorst, Managing Director of Crosspath International B.V., Bussum (Netherlands), and Mr. Markus Neukirch, a member of the Management Board of Deutsche WertpapierService Bank AG, Reichelsheim, have been newly elected to the Supervisory Board. At the subsequent meeting of the Supervisory Board, Mr. Bronkhorst was elected Chairman of the Supervisory Board to succeed the outgoing Rainer Peter Ottenstein.
Declared Dividend • May 20Dividend reduced to €0.47Dividend of €0.47 is 20% lower than last year. Ex-date: 4th June 2026 Payment date: 8th June 2026 Dividend yield will be 5.9%, which is higher than the industry average of 4.8%. Sustainability & Growth Dividend is well covered by earnings (33% payout ratio) and is expected to be well covered in 3 years' time (32% forecast payout ratio). The dividend has increased by an average of 2.4% per year over the past 9 years. However, payments have been volatile during that time. EPS is expected to grow by 68% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 22+ 1 more updateProCredit Holding AG, Annual General Meeting, Jun 03, 2026ProCredit Holding AG, Annual General Meeting, Jun 03, 2026, at 10:00 W. Europe Standard Time.
お知らせ • Nov 15+ 3 more updatesProCredit Holding AG to Report First Half, 2026 Results on Aug 13, 2026ProCredit Holding AG announced that they will report first half, 2026 results on Aug 13, 2026
お知らせ • Jun 06ProCredit Holding AG Approves Dividend for the Financial Year 2024ProCredit Holding AG held its Annual General Meeting for 2025 on 4 June 2025, The General Meeting resolved to pay out a dividend of EUR 0.59 per ordinary share, in accordance with the proposal of the Administration, submitted against the backdrop of positive business development. In line with the group’s dividend policy, according to which one third of the consolidated result is to be paid out as a dividend, a total of EUR 34.8 million will be distributed as a dividend for the 2024 financial year.
お知らせ • Apr 25ProCredit Holding AG, Annual General Meeting, Jun 04, 2025ProCredit Holding AG, Annual General Meeting, Jun 04, 2025, at 10:00 W. Europe Standard Time.
お知らせ • Mar 29ProCredit Holding AG announces Annual dividend, payable on June 09, 2025ProCredit Holding AG announced Annual dividend of EUR 0.5900 per share payable on June 09, 2025, ex-date on June 05, 2025 and record date on June 06, 2025.
お知らせ • Nov 13+ 3 more updatesProCredit Holding AG to Report First Half, 2025 Results on Aug 14, 2025ProCredit Holding AG announced that they will report first half, 2025 results on Aug 14, 2025
Reported Earnings • Aug 15Second quarter 2024 earnings released: EPS: €0.41 (vs €0.59 in 2Q 2023)Second quarter 2024 results: EPS: €0.41 (down from €0.59 in 2Q 2023). Revenue: €107.1m (up 7.8% from 2Q 2023). Net income: €24.1m (down 31% from 2Q 2023). Profit margin: 23% (down from 35% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 7.6% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • May 29Upcoming dividend of €0.64 per shareEligible shareholders must have bought the stock before 05 June 2024. Payment date: 07 June 2024. Trailing yield: 6.5%. Within top quartile of German dividend payers (4.6%). In line with average of industry peers (6.3%).
Reported Earnings • May 16First quarter 2024 earnings released: EPS: €0.57 (vs €0.50 in 1Q 2023)First quarter 2024 results: EPS: €0.57 (up from €0.50 in 1Q 2023). Revenue: €106.9m (up 16% from 1Q 2023). Net income: €33.5m (up 14% from 1Q 2023). Profit margin: 31% (in line with 1Q 2023). Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Mar 27Price target increased by 18% to €17.00Up from €14.47, the current price target is an average from 3 analysts. New target price is 98% above last closing price of €8.60. Stock is up 38% over the past year. The company is forecast to post earnings per share of €1.84 for next year compared to €1.92 last year.
New Risk • Mar 22New minor risk - Dividend sustainabilityThe company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 7.7% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. This is currently the only risk that has been identified for the company.
Reported Earnings • Mar 22Full year 2023 earnings released: EPS: €1.93 (vs €0.28 in FY 2022)Full year 2023 results: EPS: €1.93 (up from €0.28 in FY 2022). Revenue: €399.4m (up 67% from FY 2022). Net income: €113.4m (up €96.9m from FY 2022). Profit margin: 28% (up from 6.9% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.60% (up from 3.10% in FY 2022). Cost-to-income ratio: 57.0% (down from 64.0% in FY 2022). Non-performing loans: 2.68% (down from 3.22% in FY 2022). Revenue is forecast to stay flat during the next 2 years compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Price Target Changed • Nov 21Price target increased by 7.4% to €14.47Up from €13.47, the current price target is an average from 3 analysts. New target price is 79% above last closing price of €8.06. Stock is up 120% over the past year. The company is forecast to post earnings per share of €1.91 for next year compared to €0.28 last year.
Reported Earnings • Nov 15Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: €406.9m (up €342.3m from 3Q 2022). Net income: €357.1m (up €347.5m from 3Q 2022). Profit margin: 88% (up from 15% in 3Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is expected to decline by 18% p.a. on average during the next 3 years, while revenues in the Banks industry in Europe are expected to grow by 2.1%.
お知らせ • Nov 15+ 3 more updatesProCredit Holding AG to Report Fiscal Year 2023 Results on Mar 20, 2024ProCredit Holding AG announced that they will report fiscal year 2023 results on Mar 20, 2024
お知らせ • Nov 14ProCredit Holding AG, Annual General Meeting, Jun 04, 2024ProCredit Holding AG, Annual General Meeting, Jun 04, 2024.
Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €7.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 47% over the past three years.
Price Target Changed • Aug 23Price target increased by 13% to €13.47Up from €11.96, the current price target is an average from 2 analysts. New target price is 86% above last closing price of €7.24. Stock is up 113% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.
Price Target Changed • Aug 21Price target increased by 8.6% to €12.63Up from €11.63, the current price target is an average from 2 analysts. New target price is 80% above last closing price of €7.02. Stock is up 104% over the past year. The company is forecast to post earnings per share of €1.68 for next year compared to €0.28 last year.
Reported Earnings • Aug 15Second quarter 2023 earnings released: EPS: €0.59 (vs €0.15 in 2Q 2022)Second quarter 2023 results: EPS: €0.59 (up from €0.15 in 2Q 2022). Revenue: €99.4m (up 61% from 2Q 2022). Net income: €34.6m (up 267% from 2Q 2022). Profit margin: 35% (up from 15% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 3.6% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
お知らせ • Jul 23ProCredit Holding AG & Co. KGaA and Ms Sandrine Massiani Agrees that Ms Massiani's Management Board Contract Will End on 31 December 2023The Supervisory Board of ProCredit Holding AG & Co. KGaA and Ms Sandrine Massiani have agreed that Ms Massiani's Management Board contract will end on 31 December 2023. Ms Massiani is currently a member of the Management Board of ProCredit General Partner AG, the general partner of ProCredit Holding, and is responsible for Human Resources and Fraud Prevention/Compliance/AML. Ms Massiani will depart from the Management Board by mutual agreement at the end of 2023.
Price Target Changed • Jun 09Price target increased by 9.1% to €11.96Up from €10.96, the current price target is an average from 2 analysts. New target price is 72% above last closing price of €6.96. Stock is up 74% over the past year. The company is forecast to post earnings per share of €1.43 for next year compared to €0.28 last year.
Valuation Update With 7 Day Price Move • Jun 02Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €6.70, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 9.0% over the past three years.
Reported Earnings • May 21First quarter 2023 earnings released: EPS: €0.50 (vs €0.03 loss in 1Q 2022)First quarter 2023 results: EPS: €0.50 (up from €0.03 loss in 1Q 2022). Revenue: €91.8m (up 118% from 1Q 2022). Net income: €29.5m (up €31.2m from 1Q 2022). Profit margin: 32% (up from net loss in 1Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
Price Target Changed • Mar 29Price target increased by 20% to €10.96Up from €9.13, the current price target is an average from 2 analysts. New target price is 76% above last closing price of €6.24. Stock is up 63% over the past year. The company is forecast to post earnings per share of €1.06 for next year compared to €0.28 last year.
Valuation Update With 7 Day Price Move • Mar 27Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €5.42, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 13% over the past three years.
Valuation Update With 7 Day Price Move • Jan 25Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €5.02, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 24% over the past three years.
お知らせ • Dec 21+ 4 more updatesProCredit Holding AG & Co. KGaA to Report First Half, 2023 Results on Aug 14, 2023ProCredit Holding AG & Co. KGaA announced that they will report first half, 2023 results on Aug 14, 2023
Valuation Update With 7 Day Price Move • Oct 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.20, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 53% over the past three years.
Reported Earnings • Aug 16Second quarter 2022 earnings released: EPS: €0.15 (vs €0.35 in 2Q 2021)Second quarter 2022 results: EPS: €0.15 (down from €0.35 in 2Q 2021). Revenue: €60.8m (down 9.8% from 2Q 2021). Net income: €9.42m (down 55% from 2Q 2021). Profit margin: 16% (down from 31% in 2Q 2021). The decrease in margin was primarily driven by higher expenses. Over the next year, revenue is forecast to grow 11%, compared to a 16% growth forecast for the Banks industry in Germany. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 21% per year, which means it is significantly lagging earnings.
Price Target Changed • Aug 12Price target decreased to €8.83Down from €9.59, the current price target is an average from 2 analysts. New target price is 145% above last closing price of €3.60. Stock is down 51% over the past year. The company is forecast to post a net loss per share of €0.82 compared to earnings per share of €1.35 last year.
Reported Earnings • May 15First quarter 2022 earnings: Revenues exceed analysts expectations while EPS lags behindFirst quarter 2022 results: €0.03 loss per share (down from €0.27 profit in 1Q 2021). Revenue: €42.1m (down 29% from 1Q 2021). Net loss: €1.71m (down 111% from profit in 1Q 2021). Revenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) missed analyst estimates. Over the next year, revenue is forecast to grow 8.8%, compared to a 13% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings.
Price Target Changed • May 05Price target decreased to €11.26Down from €12.15, the current price target is an average from 2 analysts. New target price is 212% above last closing price of €3.61. Stock is down 59% over the past year. The company is forecast to post a net loss per share of €0.82 compared to earnings per share of €1.35 last year.
Price Target Changed • Apr 01Price target increased to €16.00Up from €12.15, the current price target is provided by 1 analyst. New target price is 337% above last closing price of €3.66. Stock is down 60% over the past year. The company is forecast to post a net loss per share of €1.76 compared to earnings per share of €1.35 last year.
Valuation Update With 7 Day Price Move • Feb 25Investor sentiment deteriorated over the past weekAfter last week's 22% share price decline to €5.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 10x in the Banks industry in Europe. Total loss to shareholders of 43% over the past three years.
Upcoming Dividend • Dec 02Upcoming dividend of €0.35 per shareEligible shareholders must have bought the stock before 09 December 2021. Payment date: 13 December 2021. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (3.4%).
Price Target Changed • Nov 19Price target increased to €13.25Up from €12.15, the current price target is an average from 4 analysts. New target price is 64% above last closing price of €8.10. Stock is up 36% over the past year. The company is forecast to post earnings per share of €1.40 for next year compared to €0.70 last year.
Reported Earnings • Nov 12Third quarter 2021 earnings releasedThe company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: €74.7m (up 29% from 3Q 2020). Net income: €25.7m (up 119% from 3Q 2020). Profit margin: 34% (up from 20% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 7% per year.
Price Target Changed • Aug 20Price target increased to €12.03Up from €11.10, the current price target is an average from 4 analysts. New target price is 57% above last closing price of €7.68. Stock is up 31% over the past year.
Reported Earnings • Aug 14Second quarter 2021 earnings released: EPS €0.35 (vs €0.14 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: €67.4m (up 32% from 2Q 2020). Net income: €20.7m (up 160% from 2Q 2020). Profit margin: 31% (up from 16% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has fallen by 12% per year, which means it is performing significantly worse than earnings.
Executive Departure • Jun 04Supervisory Board Member of Procredit General Partner AG Petar Slavov has left the companyOn the 27th of May, Petar Slavov's tenure as Supervisory Board Member of Procredit General Partner AG ended. We don't have any record of a personal shareholding under Petar's name. A total of 2 executives have left over the last 12 months.
Executive Departure • Jun 04Supervisory Board Member of Procredit General Partner AG Christian Kramer has left the companyOn the 27th of May, Christian Kramer's tenure as Supervisory Board Member of Procredit General Partner AG ended. We don't have any record of a personal shareholding under Christian's name. A total of 2 executives have left over the last 12 months.
Upcoming Dividend • May 21Upcoming dividend of €0.18 per shareEligible shareholders must have bought the stock before 28 May 2021. Payment date: 01 June 2021. Trailing yield: 2.1%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.7%).
Reported Earnings • May 14First quarter 2021 earnings released: EPS €0.27 (vs €0.23 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €59.2m (up 2.4% from 1Q 2020). Net income: €15.6m (up 14% from 1Q 2020). Profit margin: 26% (up from 24% in 1Q 2020). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 8% per year.
Price Target Changed • Mar 29Price target increased to €10.30Up from €9.43, the current price target is an average from 4 analysts. New target price is 16% above last closing price of €8.90. Stock is up 75% over the past year.
Reported Earnings • Mar 27Full year 2020 earnings released: EPS €0.70 (vs €1.02 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €226.3m (down 12% from FY 2019). Net income: €41.4m (down 31% from FY 2019). Profit margin: 18% (down from 23% in FY 2019). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.90% (down from 3.10% in FY 2019). Cost-to-income ratio: 68.0% (down from 70.5% in FY 2019). Non-performing loans: 2.49% (up from 2.41% in FY 2019). Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 8% per year, which means it is performing significantly worse than earnings.
Price Target Changed • Mar 26Price target increased to €9.55Up from €8.93, the current price target is an average from 4 analysts. New target price is 14% above last closing price of €8.40. Stock is up 66% over the past year.
Valuation Update With 7 Day Price Move • Feb 20Investor sentiment improved over the past weekAfter last week's 18% share price gain to €8.35, the stock is trading at a trailing P/E ratio of 10.1x, up from the previous P/E ratio of 8.5x. This compares to an average P/E of 12x in the Banks industry in Europe. Total return to shareholders over the past three years is a loss of 25%.
Is New 90 Day High Low • Feb 18New 90-day high: €7.85The company is up 31% from its price of €6.00 on 19 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €18.19 per share.
Price Target Changed • Feb 16Price target raised to €8.93Up from €7.49, the current price target is an average from 4 analysts. The new target price is 24% above the current share price of €7.20. As of last close, the stock is down 0.7% over the past year.
Is New 90 Day High Low • Dec 18New 90-day high: €7.20The company is up 29% from its price of €5.60 on 18 September 2020. The German market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €14.82 per share.
Is New 90 Day High Low • Dec 01New 90-day high: €6.15The company is up 2.0% from its price of €6.05 on 02 September 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.92 per share.
Reported Earnings • Nov 13Third quarter 2020 earnings released: EPS €0.20The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: €58.1m (down 15% from 3Q 2019). Net income: €11.7m (down 44% from 3Q 2019). Profit margin: 20% (down from 31% in 3Q 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 22% per year, which means it is significantly lagging earnings.
Is New 90 Day High Low • Oct 21New 90-day low: €5.00The company is down 19% from its price of €6.20 on 22 July 2020. The German market is down 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 1.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €11.56 per share.
Is New 90 Day High Low • Oct 05New 90-day low: €5.20The company is down 17% from its price of €6.25 on 07 July 2020. The German market is flat over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.43 per share.
Is New 90 Day High Low • Sep 19New 90-day low: €5.60The company is down 7.0% from its price of €6.00 on 19 June 2020. The German market is up 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 13% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €12.19 per share.