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PROCREDIT HOLDING AG (PCZ.DE) Stock Fundamental Analysis

Europe - FRA:PCZ - DE0006223407 - Common Stock

7.82 EUR
0 (0%)
Last: 11/12/2025, 5:25:47 PM
Fundamental Rating

4

Taking everything into account, PCZ scores 4 out of 10 in our fundamental rating. PCZ was compared to 96 industry peers in the Banks industry. PCZ has a bad profitability rating. Also its financial health evaluation is rather negative. PCZ has a correct valuation and a medium growth rate. Finally 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

1.2 Ratios

PCZ has a Return On Assets of 1.36%. This is amongst the best in the industry. PCZ outperforms 87.50% of its industry peers.
With a decent Return On Equity value of 14.08%, PCZ is doing good in the industry, outperforming 72.92% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PCZ's Profit Margin of 19.82% is on the low side compared to the rest of the industry. PCZ is outperformed by 62.50% of its industry peers.
PCZ's Profit Margin has improved in the last couple of years.
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.
The number of shares outstanding for PCZ remains at a similar level compared to 1 year ago.
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 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.
Looking at the Debt to Equity ratio, with a value of 0.43, PCZ belongs to the top of the industry, outperforming 86.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC24.92%
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.
PCZ shows a small growth in Revenue. In the last year, the Revenue has grown by 2.23%.
Measured over the past years, PCZ shows a quite strong growth in Revenue. The Revenue has been growing by 11.00% on average per year.
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

PCZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.12% yearly.
The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.
EPS Next Y-7.16%
EPS Next 2Y7.79%
EPS Next 3Y13.58%
EPS Next 5Y14.12%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

With a Price/Earnings ratio of 3.15, the valuation of PCZ can be described as very cheap.
PCZ's Price/Earnings ratio is rather cheap when compared to the industry. PCZ is cheaper than 98.96% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.35, PCZ is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 3.76, the valuation of PCZ can be described as very cheap.
Based on the Price/Forward Earnings ratio, PCZ is valued cheaper than 98.96% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PCZ to the average of the S&P500 Index (33.72), we can say PCZ is valued rather cheaply.
Industry RankSector Rank
PE 3.15
Fwd PE 3.76
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 earnings are expected to grow with 13.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y7.79%
EPS Next 3Y13.58%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.72%, 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 88.54% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, PCZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.72%

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

PCZ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y7.79%
EPS Next 3Y13.58%
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 (11/12/2025, 5:25:47 PM)

7.82

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-14 2025-08-14
Earnings (Next)11-13 2025-11-13
Inst Owners20.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap460.60M
Revenue(TTM)737.09M
Net Income(TTM)146.12M
Analysts83.33
Price Target17.34 (121.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.72%
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)0%
EPS NY rev (3m)-10.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.46%
Valuation
Industry RankSector Rank
PE 3.15
Fwd PE 3.76
P/S 0.62
P/FCF N/A
P/OCF N/A
P/B 0.44
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)2.48
EY31.71%
EPS(NY)2.08
Fwd EY26.56%
FCF(TTM)-3.58
FCFYN/A
OCF(TTM)-3.58
OCFYN/A
SpS12.51
BVpS17.62
TBVpS16.89
PEG (NY)N/A
PEG (5Y)0.21
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
WACC24.92%
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-7.16%
EPS Next 2Y7.79%
EPS Next 3Y13.58%
EPS Next 5Y14.12%
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 3.15 and the Price/Book (PB) ratio is 0.44.


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 -7.16% in the next year.