PCZ Fundamental Analysis - PROCREDIT HOLDING AG

Fundamental Rating

PCZ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. There are concerns on the financial health of PCZ while its profitability can be described as average. PCZ is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year PCZ was profitable.

PCZ had a negative operating cash flow in the past year.

PCZ had positive earnings in each of the past 5 years.

Of the past 5 years PCZ 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.36%, PCZ belongs to the top of the industry, outperforming 87.37% of the companies in the same industry.

PCZ has a Return On Equity of 14.08%. This is in the better half of the industry: PCZ outperforms 76.84% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

PCZ has a Profit Margin of 19.82%. This is comparable to the rest of the industry: PCZ outperforms 41.05% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, PCZ has about the same amount of shares outstanding.

PCZ has a worse debt/assets ratio than last year.

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 86.32% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC22.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

PCZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.46%.

The Earnings Per Share has been growing by 14.74% on average over the past years. This is quite good.

The Revenue has been growing slightly by 2.23% in the past year.

The Revenue has been growing by 11.00% on average over the past years. This is quite good.

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 13.58% yearly.

Based on estimates for the next years, PCZ will show a quite strong growth in Revenue. The Revenue will grow by 9.76% on average per year.

EPS Next Y-7.16%

EPS Next 2Y7.79%

EPS Next 3Y13.58%

EPS Next 5Y13.58%

Revenue Next Year8.41%

Revenue Next 2Y10.3%

Revenue Next 3Y10.43%

Revenue Next 5Y9.76%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.83 indicates a rather cheap valuation of PCZ.

PCZ's Price/Earnings ratio is rather cheap when compared to the industry. PCZ is cheaper than 98.95% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.76. PCZ is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 4.57, 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 97.89% of the companies listed in the same industry.

PCZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.21, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	3.83
Fwd PE	4.57

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.26

EPS Next 2Y7.79%

EPS Next 3Y13.58%

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5. Dividend

5.1 Amount

PCZ has a Yearly Dividend Yield of 6.20%, which is a nice return.

Compared to an average industry Dividend Yield of 4.70, PCZ pays a bit more dividend than its industry peers.

PCZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	6.2%

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

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%

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PROCREDIT HOLDING AG

FRA:PCZ (10/7/2025, 5:29:56 PM)

9.5

+0.08 (+0.85%)

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 Cap559.55M

Analysts83.33

Price Target17.34 (82.53%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.2%

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)-15%

PT rev (3m)-15%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-3.71%

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)1.45%

Valuation

		Industry Rank	Sector Rank
PE	3.83
Fwd PE	4.57
P/S	0.76
P/FCF	N/A
P/OCF	N/A
P/B	0.54
P/tB	0.56
EV/EBITDA	N/A

EPS(TTM)2.48

EY26.11%

EPS(NY)2.08

Fwd EY21.87%

FCF(TTM)-3.58

FCFYN/A

OCF(TTM)-3.58

OCFYN/A

SpS12.51

BVpS17.62

TBVpS16.89

PEG (NY)N/A

PEG (5Y)0.26

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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

WACC22.98%

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 5Y13.58%

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 5Y9.76%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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