PCZ Stock Overview
Provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 2/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
My Notes
Capture your thoughts, links and company narrative
ProCredit Holding AG Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €7.88 |
| 52 Week High | €10.20 |
| 52 Week Low | €7.08 |
| Beta | 1.25 |
| 1 Month Change | 4.51% |
| 3 Month Change | -1.25% |
| 1 Year Change | -2.48% |
| 3 Year Change | -0.25% |
| 5 Year Change | 9.44% |
| Change since IPO | -39.41% |
Recent News & Updates
Recent updates
Growth Investors: Industry Analysts Just Upgraded Their ProCredit Holding AG (ETR:PCZ) Revenue Forecasts By 12%
May 01
These Analysts Think ProCredit Holding AG & Co. KGaA's (ETR:PCZ) Sales Are Under Threat
Sep 05Analysts Just Published A Bright New Outlook For ProCredit Holding AG & Co. KGaA's (ETR:PCZ)
Jun 07Analysts Are Betting On ProCredit Holding AG & Co. KGaA (ETR:PCZ) With A Big Upgrade This Week
Nov 25The ProCredit Holding AG & Co. KGaA (ETR:PCZ) Analysts Have Been Trimming Their Sales Forecasts
Sep 03News Flash: Analysts Just Made A Meaningful Upgrade To Their ProCredit Holding AG & Co. KGaA (ETR:PCZ) Forecasts
Aug 17Is ProCredit Holding AG & Co. KGaA (ETR:PCZ) A Smart Pick For Income Investors?
Feb 19What Type Of Shareholders Make Up ProCredit Holding AG & Co. KGaA's (ETR:PCZ) Share Registry?
Jan 15ProCredit Holding KGaA (ETR:PCZ) Share Prices Have Dropped 44% In The Last Three Years
Dec 11Shareholder Returns
| PCZ | DE Banks | DE Market | |
|---|---|---|---|
| 7D | -1.3% | 0.2% | -1.4% |
| 1Y | -2.5% | 21.4% | 8.0% |
Return vs Industry: PCZ underperformed the German Banks industry which returned 20.7% over the past year.
Return vs Market: PCZ underperformed the German Market which returned 8.1% over the past year.
Price Volatility
| PCZ volatility | |
|---|---|
| PCZ Average Weekly Movement | 4.7% |
| Banks Industry Average Movement | 3.0% |
| Market Average Movement | 4.9% |
| 10% most volatile stocks in DE Market | 11.9% |
| 10% least volatile stocks in DE Market | 2.5% |
Stable Share Price: PCZ has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: PCZ's weekly volatility (5%) has been stable over the past year.
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
| PCZ fundamental statistics | |
|---|---|
| Market cap | €464.12m |
| Earnings (TTM) | €104.20m |
| Revenue (TTM) | €433.86m |
4.5x
P/E Ratio0.5x
P/B RatioIs PCZ overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PCZ 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 PCZ perform over the long term?
See historical performance and comparisonDividends
8.1%
Current Dividend Yield36%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/18 09:45 |
| End of Day Share Price | 2024/12/18 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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 here.
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 .
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 |