PCZH Stock Overview

Provides commercial banking 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	3/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 52.3% below our estimate of its fair value

Earnings are forecast to grow 12.81% per year

Earnings grew by 11.9% over the past year

Analysts in good agreement that stock price will rise by 66.3%

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

ProCredit Holding AG Competitors

BKS Bank

WBAG:BKS

€733.4m

Addiko Bank

WBAG:ADKO

€382.8m

Bank für Tirol und Vorarlberg

WBAG:BTS

€2.4b

Oberbank

WBAG:OBS

€4.9b

Price History & Performance

Summary of share price highs, lows and changes for ProCredit Holding
Historical stock prices
Current Share Price	€10.25
52 Week High	€10.25
52 Week Low	€9.66
Beta	1.34
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	1.49%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PCZH	AT Banks	AT Market
7D	1.5%	-0.4%	-2.2%
1Y	n/a	49.8%	15.7%

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	n/a
Banks Industry Average Movement	4.1%
Market Average Movement	4.3%
10% most volatile stocks in AT Market	8.2%
10% least volatile stocks in AT Market	2.5%

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.

Community vs My Fair Value

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About the Company

Founded	Employees	CEO	Website
1998	3,834	Hubert Spechtenhauser	www.procredit-holding.com

ProCredit Holding AG, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company 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. It also offers current, savings, and term deposit accounts.

ProCredit Holding AG Fundamentals Summary

How do ProCredit Holding's earnings and revenue compare to its market cap?
PCZH fundamental statistics
Market cap	€597.82m
Earnings (TTM)	€104.20m
Revenue (TTM)	€433.86m

5.7x

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	€433.86m
Cost of Revenue	€0
Gross Profit	€433.86m
Other Expenses	€329.66m
Earnings	€104.20m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Mar 27, 2025

Earnings per share (EPS)	1.77
Gross Margin	100.00%
Net Profit Margin	24.02%
Debt/Equity Ratio	134.2%

How did PCZH perform over the long term?

See historical performance and comparison

Dividends

6.3%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/26 03:43
End of Day Share Price	2025/03/25 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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. 2 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