PCZ Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Loan Growth And Client ExpansionBroad loan growth across core markets and rising active customers support recurring interest income and deepen the group’s SME and retail relationships. This expands the franchise and provides a durable base for management’s 12–15% full-year loan-growth guidance.
Structural Margin ImprovementNet interest income is accelerating faster than loan balances, while management describes the margin improvement as structural and sustainable. A greater mix of higher-yielding micro and retail loans should support earnings resilience if funding costs remain controlled.
Stronger Regulatory CapitalThe oversubscribed AT1 transaction materially strengthens loss-absorption capacity and supports continued lending growth. Capital ratios above regulatory requirements give the subsidiary banks greater flexibility to expand while improving resilience against credit and macroeconomic shocks.
Bears Say
Higher Debt And Weak Cash GenerationThe sharp increase in debt coincides with persistent negative operating and free cash flow, indicating weaker internal funding capacity. Greater reliance on external funding can raise refinancing sensitivity and reduce financial flexibility if credit conditions or profitability deteriorate.
Elevated Operating Cost BaseHigh operating expenses absorb a substantial share of revenue and limit conversion of loan and net interest income growth into profits. Personnel, software and administrative cost increases make the medium-term efficiency target important but execution-dependent.
Funding And Credit Risk PressureLoan expansion is currently outpacing customer-funding growth, increasing dependence on wholesale or opportunistic funding. At the same time, geopolitical and macro risks are raising provisioning needs, which could pressure margins and returns as the portfolio expands.
ProCredit Holding AG News
PCZ FAQ
What was ProCredit Holding AG’s price range in the past 12 months?
Currently, no data Available
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is CHF469.73M.
When is ProCredit Holding AG’s upcoming earnings report date?
ProCredit Holding AG’s upcoming earnings report date is Nov 12, 2026 which is in 76 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on Aug 13, 2026. The company reported CHF0.268 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is ProCredit Holding AG overvalued?
According to Wall Street analysts ProCredit Holding AG’s price is currently Undervalued.
Does ProCredit Holding AG pay dividends?
ProCredit Holding AG does not currently pay dividends.
What is ProCredit Holding AG’s EPS estimate?
ProCredit Holding AG’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does ProCredit Holding AG have?
ProCredit Holding AG has 58,898,490 shares outstanding.
What happened to ProCredit Holding AG’s price movement after its last earnings report?
ProCredit Holding AG reported an EPS of CHF0.268 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of ProCredit Holding AG?
Currently, no hedge funds are holding shares in CH:PCZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
ProCredit Holding AG Stock Smart Score
Outperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
CHF14.96 (― Upside)
CHF14.96 (― Upside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
13.36%
12-Months-Change
Fundamentals
Return on Equity
5.46%
Trailing 12-Months
Asset Growth
11.34%
Trailing 12-Months
Company Description
ProCredit Holding AG
ProCredit Holding AG & Co. KGaA, along with its group entities, delivers a full spectrum of commercial banking solutions, catering to both small and medium-sized businesses (SMEs) and individual clients. Its operations span across Europe, South America, and its home country of Germany. The institution provides diverse financial products, encompassing business loans for various sectors like wholesale and retail trade, agriculture, forestry, fishing, manufacturing, transportation, storage, and other industries. These business financing options include capital for investments, working capital needs, and environmentally friendly "green" initiatives. For private individuals, ProCredit extends personal credit, including housing and investment loans, among other consumer finance solutions. Beyond lending, the bank manages various deposit accounts (current, savings, and time deposits), offers modern digital and mobile banking platforms, facilitates card payment services, and provides flexible credit facilities such as lines of credit and overdrafts. Established in 1998 in Frankfurt am Main, Germany, the company originally operated as Internationale Micro Investitionen AG before adopting its current name.
PCZ Stock 12 Month Forecast
Average Price Target
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