ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Statistics

Total Valuation

ETR:PCZ has a market cap or net worth of EUR 541.87 million.

Market Cap	541.87M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, November 13, 2025.

Earnings Date	Nov 13, 2025
Ex-Dividend Date	Jun 5, 2025

Share Statistics

ETR:PCZ has 58.90 million shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	58.90M
Shares Outstanding	58.90M
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	+0.54%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	35.08%
Float	35.63M

Valuation Ratios

The trailing PE ratio is 5.78 and the forward PE ratio is 5.51. ETR:PCZ's PEG ratio is 0.29.

PE Ratio	5.78
Forward PE	5.51
PS Ratio	1.21
PB Ratio	0.52
P/TBV Ratio	0.54
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.29

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.18%.

Return on Equity (ROE)	9.18%
Return on Assets (ROA)	0.90%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	97,518
Profits Per Employee	20,333
Employee Count	4,689
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ETR:PCZ has paid 41.37 million in taxes.

Income Tax	41.37M
Effective Tax Rate	30.62%

Stock Price Statistics

The stock price has increased by +14.43% in the last 52 weeks. The beta is 1.34, so ETR:PCZ's price volatility has been higher than the market average.

Beta (5Y)	1.34
52-Week Price Change	+14.43%
50-Day Moving Average	9.37
200-Day Moving Average	9.26
Relative Strength Index (RSI)	45.60
Average Volume (20 Days)	124,303

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ETR:PCZ had revenue of EUR 449.56 million and earned 93.73 million in profits. Earnings per share was 1.59.

Revenue	449.56M
Gross Profit	449.56M
Operating Income	136.40M
Pretax Income	135.11M
Net Income	93.73M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.59

Balance Sheet

The company has 1.89 billion in cash and 1.36 billion in debt, giving a net cash position of 525.18 million or 8.92 per share.

Cash & Cash Equivalents	1.89B
Total Debt	1.36B
Net Cash	525.18M
Net Cash Per Share	8.92
Equity (Book Value)	1.04B
Book Value Per Share	17.61
Working Capital	-5.59B

Cash Flow

In the last 12 months, operating cash flow was -1.24 billion and capital expenditures -41.03 million, giving a free cash flow of -1.28 billion.

Operating Cash Flow	-1.24B
Capital Expenditures	-41.03M
Free Cash Flow	-1.28B
FCF Per Share	-21.81

Margins

Gross Margin	n/a
Operating Margin	30.34%
Pretax Margin	30.05%
Profit Margin	20.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.59, which amounts to a dividend yield of 6.41%.

Dividend Per Share	0.59
Dividend Yield	6.41%
Dividend Growth (YoY)	-7.81%
Years of Dividend Growth	3
Payout Ratio	40.22%
Buyback Yield	-0.00%
Shareholder Yield	6.41%
Earnings Yield	17.30%
FCF Yield	-237.08%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2