PCZH Stock Overview

Provides commercial banking products and services for small and medium enterprises and private customers in Europe, South America, and Germany. More details

PCZH fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	3/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 71.1% below our estimate of its fair value

Earnings are forecast to grow 17.55% per year

Analysts in good agreement that stock price will rise by 62.5%

Risk Analysis

Unstable dividend track record

Volatile share price over the past 3 months compared to the Austrian market

Community vs My Fair Value

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ProCredit Holding AG Competitors

Price History & Performance

Summary of share price highs, lows and changes for ProCredit Holding
Historical stock prices
Current Share Price	€10.30
52 Week High	€11.40
52 Week Low	€7.96
Beta	1.38
1 Month Change	6.85%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	1.98%

Recent updates

Shareholder Returns

	PCZH	AT Banks	AT Market
7D	-1.9%	-0.9%	-0.4%
1Y	n/a	45.5%	13.4%

Return vs Industry: Insufficient data to determine how PCZH performed against the Austrian Banks industry.

Return vs Market: Insufficient data to determine how PCZH performed against the Austrian Market.

Price Volatility

Is PCZH's price volatile compared to industry and market?
PCZH volatility
PCZH Average Weekly Movement	7.3%
Banks Industry Average Movement	4.9%
Market Average Movement	5.2%
10% most volatile stocks in AT Market	7.9%
10% least volatile stocks in AT Market	3.3%

Stable Share Price: PCZH's share price has been volatile over the past 3 months compared to the Austrian market.

Volatility Over Time: Insufficient data to determine PCZH's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1998	4,610	Hubert Spechtenhauser	www.procredit-holding.com

ProCredit Holding AG, together with its subsidiaries, provides commercial banking products and services for small and medium enterprises and private customers in Europe, South America, and Germany. The company accepts various deposits, including current, savings, and term deposit accounts. It also offers business loans for wholesale and retail trade; agriculture; forestry and fishing; production; transportation and storage; construction and real estate; hotel, restaurant, and catering; electricity, gas, steam, and air conditioning supply; and other activities, as well as investment and green loans; and private loans, such as housing, investment, and consumer loans.

ProCredit Holding AG Fundamentals Summary

How do ProCredit Holding's earnings and revenue compare to its market cap?
PCZH fundamental statistics
Market cap	€618.43m
Earnings (TTM)	€95.98m
Revenue (TTM)	€450.67m

6.4x

P/E Ratio

0.6x

P/B Ratio

Is PCZH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PCZH income statement (TTM)
Revenue	€450.67m
Cost of Revenue	€0
Gross Profit	€450.67m
Other Expenses	€354.70m
Earnings	€95.98m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Aug 14, 2025

Earnings per share (EPS)	1.63
Gross Margin	100.00%
Net Profit Margin	21.30%
Debt/Equity Ratio	120.3%

How did PCZH perform over the long term?

See historical performance and comparison

Dividends

5.6%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/25 02:19
End of Day Share Price	2025/05/23 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ProCredit Holding AG is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Andreas Schäfer	Bankhaus Lampe KG
Andreas Markou	Berenberg
Milosz Papst	Edison Investment Research

ProCredit Holding WBAG:PCZH Stock Report