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PROCREDIT HOLDING AG (PCZ.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:PCZ - DE0006223407 - Common Stock

8.14 EUR
-0.02 (-0.25%)
Last: 12/9/2025, 7:00:00 PM
Fundamental Rating

4

PCZ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 113 industry peers in the Banks industry. Both the profitability and financial health of PCZ have multiple concerns. PCZ is not valued too expensively and it also shows a decent growth rate. PCZ also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PCZ was profitable.
PCZ had a negative operating cash flow in the past year.
In the past 5 years PCZ has always been profitable.
Of the past 5 years PCZ 4 years had a positive operating cash flow.
PCZ.DE Yearly Net Income VS EBIT VS OCF VS FCFPCZ.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

PCZ's Return On Assets of 1.36% is amongst the best of the industry. PCZ outperforms 85.84% of its industry peers.
PCZ's Return On Equity of 14.08% is fine compared to the rest of the industry. PCZ outperforms 72.57% of its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 14.08%
ROIC N/A
ROA(3y)0.77%
ROA(5y)0.77%
ROE(3y)7.77%
ROE(5y)7.58%
ROIC(3y)N/A
ROIC(5y)N/A
PCZ.DE Yearly ROA, ROE, ROICPCZ.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 19.82%, PCZ is doing worse than 64.60% of the companies in the same industry.
In the last couple of years the Profit Margin of PCZ has grown nicely.
The Operating Margin and Gross Margin are not available for PCZ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.01%
PM growth 5Y3.31%
GM growth 3YN/A
GM growth 5YN/A
PCZ.DE Yearly Profit, Operating, Gross MarginsPCZ.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

PCZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PCZ has about the same amount of shares outstanding.
Compared to 5 years ago, PCZ has about the same amount of shares outstanding.
PCZ has a worse debt/assets ratio than last year.
PCZ.DE Yearly Shares OutstandingPCZ.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
PCZ.DE Yearly Total Debt VS Total AssetsPCZ.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

PCZ has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PCZ (0.43) is better than 87.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC24.45%
PCZ.DE Yearly LT Debt VS Equity VS FCFPCZ.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PCZ.DE Yearly Current Assets VS Current LiabilitesPCZ.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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5

3. Growth

3.1 Past

The earnings per share for PCZ have decreased strongly by -14.46% in the last year.
PCZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.74% yearly.
The Revenue has been growing slightly by 2.23% in the past year.
PCZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.00% yearly.
EPS 1Y (TTM)-14.46%
EPS 3Y9.45%
EPS 5Y14.74%
EPS Q2Q%-18.37%
Revenue 1Y (TTM)2.23%
Revenue growth 3Y15.18%
Revenue growth 5Y11%
Sales Q2Q%2.45%

3.2 Future

The Earnings Per Share is expected to grow by 14.13% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.
EPS Next Y-11.11%
EPS Next 2Y8.92%
EPS Next 3Y13.72%
EPS Next 5Y14.13%
Revenue Next Year8.41%
Revenue Next 2Y10.3%
Revenue Next 3Y10.43%
Revenue Next 5Y10.18%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
PCZ.DE Yearly Revenue VS EstimatesPCZ.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 200M 400M 600M 800M
PCZ.DE Yearly EPS VS EstimatesPCZ.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.28, which indicates a rather cheap valuation of PCZ.
PCZ's Price/Earnings ratio is rather cheap when compared to the industry. PCZ is cheaper than 99.11% of the companies in the same industry.
PCZ is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
PCZ is valuated cheaply with a Price/Forward Earnings ratio of 3.84.
Based on the Price/Forward Earnings ratio, PCZ is valued cheaply inside the industry as 99.11% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PCZ to the average of the S&P500 Index (23.52), we can say PCZ is valued rather cheaply.
Industry RankSector Rank
PE 3.28
Fwd PE 3.84
PCZ.DE Price Earnings VS Forward Price EarningsPCZ.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PCZ.DE Per share dataPCZ.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PCZ's earnings are expected to grow with 13.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2Y8.92%
EPS Next 3Y13.72%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.06%, PCZ is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, PCZ pays a better dividend. On top of this PCZ pays more dividend than 87.61% of the companies listed in the same industry.
PCZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
Industry RankSector Rank
Dividend Yield 7.06%

5.2 History

The dividend of PCZ is nicely growing with an annual growth rate of 17.74%!
Dividend Growth(5Y)17.74%
Div Incr Years0
Div Non Decr Years0
PCZ.DE Yearly Dividends per sharePCZ.DE Yearly Dividends per shareYearly Dividends per share 2019 2021 2024 2025 0.2 0.4 0.6

5.3 Sustainability

PCZ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y8.92%
EPS Next 3Y13.72%
PCZ.DE Yearly Income VS Free CF VS DividendPCZ.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

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PROCREDIT HOLDING AG

FRA:PCZ (12/9/2025, 7:00:00 PM)

8.14

-0.02 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-25 2026-03-25/amc
Inst Owners20.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap479.45M
Revenue(TTM)737.09M
Net Income(TTM)146.12M
Analysts83.33
Price Target17.34 (113.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.06%
Yearly Dividend0.64
Dividend Growth(5Y)17.74%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-15%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-4.26%
EPS NY rev (3m)-7.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 3.28
Fwd PE 3.84
P/S 0.65
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)2.48
EY30.47%
EPS(NY)2.12
Fwd EY26.06%
FCF(TTM)-3.58
FCFYN/A
OCF(TTM)-3.58
OCFYN/A
SpS12.51
BVpS17.62
TBVpS16.89
PEG (NY)N/A
PEG (5Y)0.22
Graham Number31.36
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 14.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.82%
GM N/A
FCFM N/A
ROA(3y)0.77%
ROA(5y)0.77%
ROE(3y)7.77%
ROE(5y)7.58%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.01%
PM growth 5Y3.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACC24.45%
ROIC/WACCN/A
Cap/Depr(3y)94.82%
Cap/Depr(5y)79.22%
Cap/Sales(3y)6.54%
Cap/Sales(5y)6.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.46%
EPS 3Y9.45%
EPS 5Y14.74%
EPS Q2Q%-18.37%
EPS Next Y-11.11%
EPS Next 2Y8.92%
EPS Next 3Y13.72%
EPS Next 5Y14.13%
Revenue 1Y (TTM)2.23%
Revenue growth 3Y15.18%
Revenue growth 5Y11%
Sales Q2Q%2.45%
Revenue Next Year8.41%
Revenue Next 2Y10.3%
Revenue Next 3Y10.43%
Revenue Next 5Y10.18%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-126.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-126.54%
OCF growth 3YN/A
OCF growth 5YN/A

PROCREDIT HOLDING AG / PCZ.DE FAQ

What is the ChartMill fundamental rating of PROCREDIT HOLDING AG (PCZ.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PCZ.DE.


Can you provide the valuation status for PROCREDIT HOLDING AG?

ChartMill assigns a valuation rating of 5 / 10 to PROCREDIT HOLDING AG (PCZ.DE). This can be considered as Fairly Valued.


What is the profitability of PCZ stock?

PROCREDIT HOLDING AG (PCZ.DE) has a profitability rating of 3 / 10.


What is the valuation of PROCREDIT HOLDING AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PROCREDIT HOLDING AG (PCZ.DE) is 3.28 and the Price/Book (PB) ratio is 0.46.


Can you provide the expected EPS growth for PCZ stock?

The Earnings per Share (EPS) of PROCREDIT HOLDING AG (PCZ.DE) is expected to decline by -11.11% in the next year.