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PCZ Stock Chart & Stats
€8.54
€0.12(1.55%)
At close: 4:00 PM EST
€8.54
€0.12(1.55%)
Day’s Range― - ―
52-Week Range€6.90 - €10.30
Previous CloseN/A
Volume7.85K
Average Volume (3M)118.91K
Market Cap
€487.68M
Enterprise Value-€262.11
Total Cash (Recent Filing)€1.95B
Total Debt (Recent Filing)€1.26B
Price to Earnings (P/E)6.1
Beta1.09
Next Earnings
Aug 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield7.13%
Share Statistics
EPS (TTM)1.36
Shares Outstanding58,898,490
10 Day Avg. Volume131,803
30 Day Avg. Volume118,910
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.46
Price to Sales (P/S)0.66
P/FCF Ratio-3.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.33
Revenue Forecast (FY)€476.62M
Bulls Say, Bears Say
Bulls Say
SME-focused Relationship BankingProCredit’s focused business model serving SMEs and retail clients in Eastern and Southeastern Europe is a durable advantage: relationship-driven lending and advisory services produce sticky deposit funding, recurring fee income, and long-term client credit demand less prone to short-term volatility.
Steady Equity BaseA steadily growing equity base provides lasting capital resilience, supporting regulatory buffers and loss-absorption capacity. This strengthens the bank’s ability to maintain lending during stress, preserve confidence among depositors and counterparties, and fund strategic initiatives without undue dilution.
Improved Profitability MarginsMaterial margin improvement into 2023–2024 indicates structural gains from net interest income, pricing and operating leverage. Higher sustainable margins enhance internal earnings generation, support dividend capacity and create more buffer for credit costs, strengthening long-term profitability potential.
Bears Say
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow reduces internal funding capacity and forces reliance on external sources. Over months this constrains organic balance-sheet growth, increases sensitivity to wholesale funding markets, and can limit investments, dividend resilience and cyclical loss absorption.
Large Recent Debt Step-upA sharp increase in total debt materially raises leverage and funding risk. That step-up can elevate interest expense, tighten capital ratios under regulatory metrics, and amplify sensitivity to funding-cost shifts, making the bank more vulnerable to market stress over the medium term.
Sharp Latest-year Revenue And Earnings DeclineA pronounced revenue drop and lower net income signal a weakening of core loan and fee generation trends. If persistent, this undermines sustainable net interest income and provisioning capacity, risking slower capital build, reduced investment in client services, and constrained growth.
ProCredit Holding AG News
PCZ FAQ
What was ProCredit Holding AG’s price range in the past 12 months?
ProCredit Holding AG lowest stock price was €6.90 and its highest was €10.30 in the past 12 months.
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is €487.68M.
When is ProCredit Holding AG’s upcoming earnings report date?
ProCredit Holding AG’s upcoming earnings report date is Aug 13, 2026 which is in 26 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on May 13, 2026. The company reported €0.368 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 Overvalued.
Does ProCredit Holding AG pay dividends?
ProCredit Holding AG pays a Annually dividend of €0.47 which represents an annual dividend yield of 7.13%. See more information on ProCredit Holding AG dividends here
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 €0.368 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 0.872%.
Which hedge fund is a major shareholder of ProCredit Holding AG?
Currently, no hedge funds are holding shares in DE: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
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
11.49%
12-Months-Change
Fundamentals
Return on Equity
7.52%
Trailing 12-Months
Asset Growth
8.43%
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.
Technical Analysis
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