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PCZ Stock Chart & Stats
€8.07
-€0.07(-0.85%)
At close: 4:00 PM EDT
€8.07
-€0.07(-0.85%)
Day’s Range― - ―
52-Week Range€6.90 - €9.54
Previous CloseN/A
Volume6.47K
Average Volume (3M)50.41K
Market Cap
€508.88M
Enterprise Value€38.85M
Total Cash (Recent Filing)€1.83B
Total Debt (Recent Filing)€1.39B
Price to Earnings (P/E)6.8
Beta1.15
Next Earnings
Nov 12, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.38%
Share Statistics
EPS (TTM)1.28
Shares Outstanding58,898,490
10 Day Avg. Volume51,529
30 Day Avg. Volume50,405
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 Target
€16.00Price Target Upside98.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.26
Revenue Forecast (FY)€484.05M
Bulls Say, Bears Say
Bulls Say
Loan Growth And Market ExpansionStrong loan growth across several core markets indicates continued demand for ProCredit’s banking services and expanding customer penetration. If management delivers its guidance, a larger loan book should support recurring interest income and strengthen the group’s competitive position over the next several quarters.
Structural Margin ImprovementRising net interest income alongside an improving margin provides a durable earnings driver for the banking group. Management expects the margin improvement to continue, while greater exposure to higher-yielding segments could help sustain revenue growth and support future returns.
Strengthened Capital PositionThe successful AT1 issuance materially improved ProCredit’s capital buffer and provides greater capacity to support planned loan growth. Stronger regulatory capital also improves resilience against credit losses and gives management more flexibility to invest in digital expansion and customer acquisition.
Bears Say
Higher Balance-sheet LeverageThe sharp increase in total debt represents a meaningful deterioration from the recent leverage trend and raises balance-sheet risk. Greater reliance on debt can increase funding pressure and reduce financial flexibility if credit conditions worsen or loan growth produces weaker-than-expected returns.
Persistently Negative Cash GenerationRepeatedly negative operating and free cash flow indicate that recent operations have not generated sufficient internal funding. This can increase dependence on external financing, constrain capital allocation, and make the balance sheet more sensitive to funding conditions while debt has also increased.
Elevated Operating Cost BaseA high cost-income ratio limits the conversion of revenue growth into sustainable profitability and leaves earnings exposed to continued personnel, software, and administrative cost increases. Management’s efficiency targets imply substantial execution is still required before operating leverage improves.
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 €9.54 in the past 12 months.
What is ProCredit Holding AG’s market cap?
ProCredit Holding AG’s market cap is €508.88M.
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 22 days.
How were ProCredit Holding AG’s earnings last quarter?
ProCredit Holding AG released its earnings results on Aug 13, 2026. The company reported €0.285 earnings per share for the quarter.
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 pays a Annually dividend of €0.47 which represents an annual dividend yield of 5.38%. 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 €0.285 in its last earnings report. Following the earnings report the stock price went down -0.368%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
-0.09%
12-Months-Change
Fundamentals
Return on Equity
6.97%
Trailing 12-Months
Asset Growth
11.34%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
€16.00
▲(98.27% Upside)
Technical Analysis
Deutsche Bank AG
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UmweltBank AG
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