PROCREDIT HOLDING AG (PCZ.DE) Fundamental Analysis & Valuation

FRA:PCZ • DE0006223407

Current stock price

7.98 EUR
-0.06 (-0.75%)
Last:

This PCZ.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PCZ.DE Profitability Analysis

1.1 Basic Checks

  • In the past year PCZ was profitable.
  • In the past year PCZ has reported a negative cash flow from operations.
  • In the past 5 years PCZ has always been profitable.
  • PCZ had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.36%, PCZ belongs to the top of the industry, outperforming 84.96% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 14.08%, PCZ is in the better half of the industry, outperforming 75.22% of the companies in the same industry.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of PCZ (19.82%) is worse than 65.49% of its industry peers.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PCZ.DE Health Analysis

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.
  • PCZ has about the same amout of shares outstanding than it did 5 years ago.
  • PCZ has a worse debt/assets ratio than last year.
PCZ.DE Yearly Shares OutstandingPCZ.DE Yearly Shares OutstandingYearly Shares Outstanding 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 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 81.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC24.71%
PCZ.DE Yearly LT Debt VS Equity VS FCFPCZ.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PCZ.DE Growth Analysis

3.1 Past

  • PCZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.44%.
  • Measured over the past years, PCZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.74% on average per year.
  • Looking at the last year, PCZ shows a small growth in Revenue. The Revenue has grown by 2.30% in the last 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)-22.44%
EPS 3Y9.45%
EPS 5Y14.74%
EPS Q2Q%-58.7%
Revenue 1Y (TTM)2.3%
Revenue growth 3Y15.18%
Revenue growth 5Y11%
Sales Q2Q%4.16%

3.2 Future

  • PCZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.13% yearly.
  • PCZ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.69% yearly.
EPS Next Y-21.66%
EPS Next 2Y5.05%
EPS Next 3Y9.96%
EPS Next 5Y14.13%
Revenue Next Year6.09%
Revenue Next 2Y9.15%
Revenue Next 3Y9.45%
Revenue Next 5Y9.69%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. PCZ.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.61 indicates a rather cheap valuation of PCZ.
  • Based on the Price/Earnings ratio, PCZ is valued cheaply inside the industry as 99.11% of the companies are valued more expensively.
  • PCZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.96.
  • Based on the Price/Forward Earnings ratio of 4.04, the valuation of PCZ can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PCZ indicates a rather cheap valuation: PCZ is cheaper than 100.00% of the companies listed in the same industry.
  • PCZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
Industry RankSector Rank
PE 3.61
Fwd PE 4.04
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

PEG (NY)N/A
PEG (5Y)0.24
EPS Next 2Y5.05%
EPS Next 3Y9.96%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. PCZ.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.30%, PCZ is a good candidate for dividend investing.
  • PCZ's Dividend Yield is rather good when compared to the industry average which is at 4.66. PCZ pays more dividend than 90.27% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, PCZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.3%

5.2 History

  • On average, the dividend of PCZ grows each year by 17.74%, which is quite nice.
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

  • The dividend of PCZ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y5.05%
EPS Next 3Y9.96%
PCZ.DE Yearly Income VS Free CF VS DividendPCZ.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

More info and screens

Find the best dividend stocksShow peers with best dividend

PCZ.DE Fundamentals: All Metrics, Ratios and Statistics

PROCREDIT HOLDING AG

FRA:PCZ (3/17/2026, 4:27:24 PM)

7.98

-0.06 (-0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13
Earnings (Next)03-19
Inst Owners21.57%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap470.02M
Revenue(TTM)742.24M
Net Income(TTM)146.12M
Analysts83.33
Price Target16.73 (109.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.3%
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)-3.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-11.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.14%
Valuation
Industry RankSector Rank
PE 3.61
Fwd PE 4.04
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.45
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)2.21
EY27.69%
EPS(NY)1.97
Fwd EY24.72%
FCF(TTM)-3.58
FCFYN/A
OCF(TTM)-3.58
OCFYN/A
SpS12.51
BVpS17.62
TBVpS16.89
PEG (NY)N/A
PEG (5Y)0.24
Graham Number29.6
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
WACC24.71%
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)-22.44%
EPS 3Y9.45%
EPS 5Y14.74%
EPS Q2Q%-58.7%
EPS Next Y-21.66%
EPS Next 2Y5.05%
EPS Next 3Y9.96%
EPS Next 5Y14.13%
Revenue 1Y (TTM)2.3%
Revenue growth 3Y15.18%
Revenue growth 5Y11%
Sales Q2Q%4.16%
Revenue Next Year6.09%
Revenue Next 2Y9.15%
Revenue Next 3Y9.45%
Revenue Next 5Y9.69%
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 Fundamental Analysis 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.


What is the valuation status for PCZ stock?

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


Can you provide the profitability details for PROCREDIT HOLDING AG?

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


What is the financial health of PROCREDIT HOLDING AG (PCZ.DE) stock?

The financial health rating of PROCREDIT HOLDING AG (PCZ.DE) is 2 / 10.