ProCredit Holding Past Earnings Performance
Past criteria checks 2/6
ProCredit Holding has been growing earnings at an average annual rate of 13.4%, while the Banks industry saw earnings growing at 14.6% annually. Revenues have been growing at an average rate of 14.9% per year. ProCredit Holding's return on equity is 7.3%, and it has net margins of 18.6%.
Key information
13.39%
Earnings growth rate
13.40%
EPS growth rate
| Banks Industry Growth | 10.63% |
| Revenue growth rate | 14.86% |
| Return on equity | 7.32% |
| Net Margin | 18.56% |
| Next Earnings Update | 13 Aug 2026 |
Recent past performance updates
Recent updates
PCZ: Dividend Visibility And Bullish Coverage Should Support Future Re Rating
Analysts now set their price target for ProCredit Holding at €15.90, with the latest update reflecting slightly adjusted assumptions on discount rate, revenue growth, profit margin and future P/E, following fresh bullish coverage from the Street. What's in the News ProCredit Holding AG announced an annual dividend of €0.47 per share.PCZ: Stable Profitability And Dividend Prospects Should Support Future Re Rating
Analysts now estimate ProCredit Holding's fair value at €15.90, reduced from €18.80. This revision reflects updated assumptions for revenue growth, profit margins and future P/E multiples, together with recently published bullish Street research.PCZ: Future Earnings Power Should Outweigh Higher Discount Rate Assumptions
Analysts have kept their average price target for ProCredit Holding steady at €18.80, reflecting slightly adjusted assumptions on discount rate, revenue growth, profit margin and future P/E following fresh research, including a bullish initiation from Berenberg. Analyst Commentary Recent bullish analysts highlight that the steady average price target of €18.80 reflects confidence that the latest research adjustments on discount rate, revenue growth, profit margin and future P/E still support the current valuation framework.ProCredit Holding AG (ETR:PCZ) Just Released Its Full-Year Earnings: Here's What Analysts Think
ProCredit Holding AG ( ETR:PCZ ) shareholders are probably feeling a little disappointed, since its shares fell 4.2% to...PCZ: Future Revenue Expectations Will Outweigh Index Removal Risk
Analysts have adjusted their fair value estimate for ProCredit Holding from €20.00 to €18.80. The change reflects updated views on revenue growth, profit margin expectations, the discount rate and the forward P/E multiple.
Expanding Smaller Banks And Ukraine Operations Will Broaden Reach
The downward revision in ProCredit Holding’s Price Target reflects reduced optimism on growth, as indicated by lower revenue growth forecasts and a declining future P/E, with the consensus price target now at €16.00. What's in the News ProCredit Holding AG's 2025 AGM approved a dividend of EUR 0.59 per ordinary share, distributing EUR 34.8 million for the 2024 financial year, in line with a policy to pay out one third of consolidated results as dividends.ProCredit Holding (ETR:PCZ) Has Announced That Its Dividend Will Be Reduced To €0.59
ProCredit Holding AG ( ETR:PCZ ) has announced that on 9th of June, it will be paying a dividend of€0.59, which a...
Bank Will Expand In Eastern Europe, Diversifying Lending Portfolio
Strategic focus on expanding small banks and granular loans aims to boost revenue by diversifying the lending portfolio.Growth Investors: Industry Analysts Just Upgraded Their ProCredit Holding AG (ETR:PCZ) Revenue Forecasts By 12%
ProCredit Holding AG ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making substantial...These Analysts Think ProCredit Holding AG & Co. KGaA's (ETR:PCZ) Sales Are Under Threat
The analysts covering ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) delivered a dose of negativity to shareholders today...Analysts Just Published A Bright New Outlook For ProCredit Holding AG & Co. KGaA's (ETR:PCZ)
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...Analysts Are Betting On ProCredit Holding AG & Co. KGaA (ETR:PCZ) With A Big Upgrade This Week
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...The ProCredit Holding AG & Co. KGaA (ETR:PCZ) Analysts Have Been Trimming Their Sales Forecasts
One thing we could say about the analysts on ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) - they aren't optimistic...News Flash: Analysts Just Made A Meaningful Upgrade To Their ProCredit Holding AG & Co. KGaA (ETR:PCZ) Forecasts
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...Revenue & Expenses Breakdown
How ProCredit Holding makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 431 | 80 | 302 | 0 |
| 31 Dec 25 | 429 | 83 | 298 | 0 |
| 30 Sep 25 | 431 | 78 | 292 | 0 |
| 30 Jun 25 | 450 | 94 | 289 | 0 |
| 31 Mar 25 | 450 | 96 | 287 | 0 |
| 31 Dec 24 | 451 | 104 | 279 | 0 |
| 30 Sep 24 | 434 | 104 | 269 | 0 |
| 30 Jun 24 | 423 | 107 | 244 | 0 |
| 31 Mar 24 | 414 | 117 | 239 | 0 |
| 31 Dec 23 | 399 | 113 | 229 | 0 |
| 30 Sep 23 | 363 | 93 | 229 | 0 |
| 30 Jun 23 | 327 | 73 | 220 | 0 |
| 31 Mar 23 | 289 | 48 | 212 | 0 |
| 31 Dec 22 | 239 | 16 | 202 | 0 |
| 30 Sep 22 | 247 | 35 | 190 | 0 |
| 30 Jun 22 | 257 | 51 | 181 | 0 |
| 31 Mar 22 | 263 | 62 | 173 | 0 |
| 31 Dec 21 | 280 | 80 | 168 | 0 |
| 30 Sep 21 | 261 | 70 | 163 | 0 |
| 30 Jun 21 | 244 | 56 | 161 | 0 |
| 31 Mar 21 | 228 | 43 | 160 | 0 |
| 31 Dec 20 | 226 | 41 | 161 | 0 |
| 30 Sep 20 | 242 | 49 | 166 | 0 |
| 30 Jun 20 | 252 | 58 | 166 | 0 |
| 31 Mar 20 | 258 | 61 | 167 | 0 |
| 31 Dec 19 | 257 | 60 | 167 | 0 |
| 30 Sep 19 | 250 | 60 | 160 | 0 |
| 30 Jun 19 | 243 | 56 | 159 | 0 |
| 31 Mar 19 | 244 | 58 | 157 | 0 |
| 31 Dec 18 | 246 | 60 | 156 | 0 |
| 30 Sep 18 | 241 | 54 | 155 | 0 |
| 30 Jun 18 | 242 | 54 | 158 | 0 |
| 31 Mar 18 | 247 | 51 | 166 | 0 |
| 01 Jan 18 | 250 | 46 | 172 | 0 |
| 30 Sep 17 | 256 | 45 | 178 | 0 |
| 30 Jun 17 | 256 | 42 | 181 | 0 |
| 31 Mar 17 | 261 | 45 | 183 | 0 |
| 31 Dec 16 | 261 | 45 | 183 | 0 |
| 30 Sep 16 | 255 | 41 | 184 | 0 |
| 30 Jun 16 | 257 | 39 | 187 | 0 |
| 31 Mar 16 | 248 | 33 | 183 | 0 |
| 31 Dec 15 | 266 | 37 | 197 | 0 |
| 30 Sep 15 | 350 | 54 | 244 | 0 |
| 30 Jun 15 | 369 | 53 | 259 | 0 |
Quality Earnings: PCZ has high quality earnings.
Growing Profit Margin: PCZ's current net profit margins (18.6%) are lower than last year (21.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PCZ's earnings have grown by 13.4% per year over the past 5 years.
Accelerating Growth: PCZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PCZ had negative earnings growth (-16.7%) over the past year, making it difficult to compare to the Banks industry average (0.9%).
Return on Equity
High ROE: PCZ's Return on Equity (7.3%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/19 22:09 |
| End of Day Share Price | 2026/06/19 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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.
Analysis Model and Snowflake
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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 5 analysts. 4 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 |
|---|---|
| Marius Fuhrberg | Berenberg |
| Milosz Papst | Edison Investment Research |
| Knud Hinkel | Pareto Securities |