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ProCredit Holding (DE:PCZ)
:PCZ
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ProCredit Holding AG
(XETRA:PCZ)
Rating:71Outperform
Price Target:―
ProCredit Holding AG (PCZ) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€627.27M
Dividend Yield6.09%
Average Volume (3M)61.96K
Price to Earnings (P/E)6.5
Beta (1Y)0.84
Revenue Growth11.25%
EPS Growth-8.00%
CountryDE
Employees4,530
SectorFinancial
Sector Strength85
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.43
Shares Outstanding58,898,490
10 Day Avg. Volume43,993
30 Day Avg. Volume61,957
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)0.59
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€20.00Price Target Upside90.48% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
ProCredit Holding AG Business Overview & Revenue Model
Company DescriptionProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's financial products; business loans for wholesale and retail trade, agriculture, forestry and fishing, production, transportation and storage, and other activities, as well as investment, working capital, and green loans; and private loans, such as housing, investment, and other loans. It also offers current, savings, and term deposit accounts; mobile and electronic banking services; and card payment services, as well as grants credit lines and overdrafts. The company was formerly known as Internationale Micro Investitionen AG and changed its name to ProCredit Holding AG & Co. KGaA. ProCredit Holding AG & Co. KGaA was founded in 1998 and is based in Frankfurt am Main, Germany.
How the Company Makes MoneyProCredit Holding AG generates revenue primarily through the interest income earned on loans provided to small and medium-sized enterprises (SMEs). The company offers a range of credit products tailored to the needs of SMEs, such as working capital loans, investment loans, and trade finance solutions. In addition to interest income, ProCredit earns money from fees and commissions associated with its financial services, which include account maintenance fees, transaction fees, and foreign exchange services. The company also benefits from strategic partnerships with international financial institutions and development banks, which provide funding and risk-sharing mechanisms to support its lending activities.
ProCredit Holding AG Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 569.45M | 399.39M | 358.36M | 301.86M | 273.07M | 273.02M | Gross Profit |
| 641.02M | 658.03M | 358.36M | 301.86M | 273.07M | 273.02M | EBIT |
| 200.42M | 170.62M | 137.54M | 94.53M | 52.09M | 67.95M | EBITDA |
| -2.40M | 173.53M | 152.33M | 125.21M | 105.59M | 100.80M | Net Income Common Stockholders |
| 106.91M | 113.37M | 16.50M | 79.64M | 41.40M | 52.60M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 978.89M | 2.28B | 1.94B | 1.55B | 1.41B | 1.08B | Total Assets |
| 6.00B | 9.75B | 8.83B | 8.22B | 7.33B | 6.70B | Total Debt |
| 1.19B | 1.44B | 309.98M | 460.62M | 374.61M | 1.30B | Net Debt |
| 212.64M | -906.91M | -1.63B | -1.08B | -1.03B | 220.81M | Total Liabilities |
| 5.24B | 8.77B | 309.98M | 460.62M | 374.61M | 1.30B | Stockholders Equity |
| 751.50M | 983.79M | 869.43M | 856.31M | 779.73M | 792.55M |
| Cash Flow | Free Cash Flow | ||||
| 0.00 | 1.41M | 545.71M | 115.66M | 106.65M | 270.15M | Operating Cash Flow |
| 0.00 | 29.26M | 566.94M | 133.15M | 135.88M | 290.33M | Investing Cash Flow |
| 0.00 | -22.42M | -12.48M | -13.44M | -25.54M | -10.21M | Financing Cash Flow |
| 0.00 | 1.01B | -1.30M | -36.01M | -16.43M | -81.16M |
ProCredit Holding AG Technical Analysis
Positive
10.50
Price Trends
9.88
Positive
9.52
Positive
8.83
Positive
Market Momentum
0.16
Positive
56.20
Neutral
70.51
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:PCZ, the sentiment is Positive. The current price of 10.5 is below the 20-day moving average (MA) of 10.64, above the 50-day MA of 9.88, and above the 200-day MA of 8.83, indicating a bullish trend. The MACD of 0.16 indicates Positive momentum. The RSI at 56.20 is Neutral, neither overbought nor oversold. The STOCH value of 70.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:PCZ.
ProCredit Holding AG Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | €627.27M | 6.54 | 9.17% | 6.09% | 11.25% | -8.00% | |
64 Neutral | $12.79B | 9.72 | 7.54% | 16971.00% | 12.07% | -7.53% | |
| €178.86M | 25.75 | 2.67% | ― | ― | |||
| €187.09M | ― | ― | ― | ― | |||
| €220.28M | 9.42 | 13.31% | 1.25% | ― | ― | ||
| €27.32M | ― | ― | ― | ― | |||
| €122.90M | 10.28 | 3.18% | ― | ― |
* Financial Sector Average
Performance Comparison
DE:PCZ
ProCredit Holding AG
10.65
1.41
15.26%
DE:QB7
Quirin Privatbank AG
4.02
0.25
6.63%
DE:UBK
UmweltBank AG
5.18
-1.80
-25.79%
DE:BWB
Baader Bank AG
4.54
0.46
11.27%
DE:VG8
Varengold Bank AG
2.66
-0.92
-25.70%
DE:MBK
MERKUR PRIVATBANK KGaA
15.80
0.51
3.34%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.