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

FRA:PCZ • DE0006223407

Current stock price

9.04 EUR
+0.43 (+4.99%)
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.
  • PCZ had positive earnings in each of the past 5 years.
  • In multiple years PCZ reported negative operating cash flow during the last 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 2025 0 200M -200M 400M

1.2 Ratios

  • With a decent Return On Assets value of 1.03%, PCZ is doing good in the industry, outperforming 68.18% of the companies in the same industry.
  • The Return On Equity of PCZ (11.16%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.03%
ROE 11.16%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.8%
ROE(3y)9.72%
ROE(5y)8.07%
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 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of PCZ (15.83%) is worse than 78.18% 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) 15.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y55.59%
PM growth 5Y2.68%
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 2025 5 10 15 20

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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 2025 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 2025 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.
  • PCZ's Debt to Equity ratio of 0.43 is amongst the best of the industry. PCZ outperforms 84.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC22.4%
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 2025 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 2025 50M 100M 150M

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

6

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 -27.23%.
  • PCZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.15% yearly.
  • PCZ shows a small growth in Revenue. In the last year, the Revenue has grown by 3.81%.
  • Measured over the past years, PCZ shows a quite strong growth in Revenue. The Revenue has been growing by 12.05% on average per year.
EPS 1Y (TTM)-27.23%
EPS 3Y71.68%
EPS 5Y15.15%
EPS Q2Q%-21.86%
Revenue 1Y (TTM)3.81%
Revenue growth 3Y10.33%
Revenue growth 5Y12.05%
Sales Q2Q%6%

3.2 Future

  • PCZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.49% yearly.
  • The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.
EPS Next Y19.35%
EPS Next 2Y26.32%
EPS Next 3Y26.49%
EPS Next 5YN/A
Revenue Next Year10.45%
Revenue Next 2Y10.66%
Revenue Next 3Y10.81%
Revenue Next 5Y10.18%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 0.5 1 1.5 2 2.5

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6

4. PCZ.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.43 indicates a rather cheap valuation of PCZ.
  • PCZ's Price/Earnings ratio is rather cheap when compared to the industry. PCZ is cheaper than 100.00% of the companies in the same industry.
  • PCZ is valuated cheaply when we compare the Price/Earnings ratio to 27.87, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 5.41, the valuation of PCZ can be described as very cheap.
  • 99.09% of the companies in the same industry are more expensive than PCZ, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of PCZ to the average of the S&P500 Index (38.51), we can say PCZ is valued rather cheaply.
Industry RankSector Rank
PE 4.43
Fwd PE 5.41
PCZ.DE Price Earnings VS Forward Price EarningsPCZ.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PCZ's earnings are expected to grow with 26.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)0.29
EPS Next 2Y26.32%
EPS Next 3Y26.49%

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

9

5. PCZ.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.85%, PCZ is a good candidate for dividend investing.
  • PCZ's Dividend Yield is rather good when compared to the industry average which is at 4.50. PCZ pays more dividend than 88.18% of the companies in the same industry.
  • PCZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.85%

5.2 History

  • On average, the dividend of PCZ grows each year by 14.48%, which is quite nice.
Dividend Growth(5Y)14.48%
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 2026 0.2 0.4 0.6

5.3 Sustainability

  • 29.00% of the earnings are spent on dividend by PCZ. This is a low number and sustainable payout ratio.
  • The dividend of PCZ is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29%
EPS Next 2Y26.32%
EPS Next 3Y26.49%
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 2025 0 200M -200M 400M
PCZ.DE Dividend Payout.PCZ.DE Dividend Payout, showing the Payout Ratio.PCZ.DE Dividend Payout.PayoutRetained Earnings

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PCZ.DE Fundamentals: All Metrics, Ratios and Statistics

PROCREDIT HOLDING AG

FRA:PCZ (4/17/2026, 7:00:00 PM)

9.04

+0.43 (+4.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-19
Earnings (Next)05-13
Inst Owners21.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap532.46M
Revenue(TTM)757.00M
Net Income(TTM)119.83M
Analysts82.86
Price Target16.42 (81.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.85%
Yearly Dividend0.59
Dividend Growth(5Y)14.48%
DP29%
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)-1.83%
PT rev (3m)-1.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-15.27%
EPS NY rev (3m)-15.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.66%
Revenue NY rev (3m)-1.66%
Valuation
Industry RankSector Rank
PE 4.43
Fwd PE 5.41
P/S 0.7
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)2.04
EY22.57%
EPS(NY)1.67
Fwd EY18.49%
FCF(TTM)-2.47
FCFYN/A
OCF(TTM)-1.77
OCFYN/A
SpS12.85
BVpS18.24
TBVpS17.44
PEG (NY)0.23
PEG (5Y)0.29
Graham Number28.931 (220.03%)
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 11.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.83%
GM N/A
FCFM N/A
ROA(3y)0.95%
ROA(5y)0.8%
ROE(3y)9.72%
ROE(5y)8.07%
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 3Y55.59%
PM growth 5Y2.68%
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 94.03%
Cap/Sales 5.46%
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
WACC22.4%
ROIC/WACCN/A
Cap/Depr(3y)120.9%
Cap/Depr(5y)87.1%
Cap/Sales(3y)7.36%
Cap/Sales(5y)6.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.23%
EPS 3Y71.68%
EPS 5Y15.15%
EPS Q2Q%-21.86%
EPS Next Y19.35%
EPS Next 2Y26.32%
EPS Next 3Y26.49%
EPS Next 5YN/A
Revenue 1Y (TTM)3.81%
Revenue growth 3Y10.33%
Revenue growth 5Y12.05%
Sales Q2Q%6%
Revenue Next Year10.45%
Revenue Next 2Y10.66%
Revenue Next 3Y10.81%
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 1Y33.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y41.09%
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 6 / 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.


How financially healthy is PROCREDIT HOLDING AG?

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


What is the earnings growth outlook for PROCREDIT HOLDING AG?

The Earnings per Share (EPS) of PROCREDIT HOLDING AG (PCZ.DE) is expected to grow by 19.35% in the next year.