ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Statistics

Total Valuation

ETR:PCZ has a market cap or net worth of EUR 441.74 million.

Market Cap	441.74M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, March 19, 2026.

Earnings Date	Mar 19, 2026
Ex-Dividend Date	n/a

Share Statistics

ETR:PCZ has 58.90 million shares outstanding.

Current Share Class	58.90M
Shares Outstanding	58.90M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.76%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	36.50%
Float	33.87M

Valuation Ratios

The trailing PE ratio is 5.29 and the forward PE ratio is 4.29. ETR:PCZ's PEG ratio is 0.48.

PE Ratio	5.29
Forward PE	4.29
PS Ratio	1.03
PB Ratio	0.41
P/TBV Ratio	0.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.48

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	-1.34
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.84%.

Return on Equity (ROE)	7.84%
Return on Assets (ROA)	0.75%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.90%
Revenue Per Employee	93,096
Profits Per Employee	18,107
Employee Count	4,660
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ETR:PCZ has paid 22.19 million in taxes.

Income Tax	22.19M
Effective Tax Rate	21.01%

Stock Price Statistics

The stock price has decreased by -18.83% in the last 52 weeks. The beta is 1.33, so ETR:PCZ's price volatility has been higher than the market average.

Beta (5Y)	1.33
52-Week Price Change	-18.83%
50-Day Moving Average	8.18
200-Day Moving Average	8.67
Relative Strength Index (RSI)	41.64
Average Volume (20 Days)	46,184

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 429.08 million and earned 83.45 million in profits. Earnings per share was 1.42.

Revenue	429.08M
Gross Profit	429.08M
Operating Income	106.65M
Pretax Income	105.65M
Net Income	83.45M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.42

Balance Sheet

The company has 2.02 billion in cash and 1.32 billion in debt, with a net cash position of 693.45 million or 11.77 per share.

Cash & Cash Equivalents	2.02B
Total Debt	1.32B
Net Cash	693.45M
Net Cash Per Share	11.77
Equity (Book Value)	1.07B
Book Value Per Share	18.24
Working Capital	-6.47B

Cash Flow

In the last 12 months, operating cash flow was -947.17 million and capital expenditures -41.36 million, giving a free cash flow of -988.53 million.

Operating Cash Flow	-947.17M
Capital Expenditures	-41.36M
Depreciation & Amortization	n/a
Net Borrowing	26.03M
Free Cash Flow	-988.53M
FCF Per Share	-16.78

Margins

Gross Margin	n/a
Operating Margin	24.86%
Pretax Margin	24.62%
Profit Margin	19.45%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.47, which amounts to a dividend yield of 6.27%.

Dividend Per Share	0.47
Dividend Yield	6.27%
Dividend Growth (YoY)	-7.81%
Years of Dividend Growth	n/a
Payout Ratio	41.64%
Buyback Yield	n/a
Shareholder Yield	6.20%
Earnings Yield	18.89%
FCF Yield	-223.78%

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