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INDICATIVE · SAMPLE DATA
PCZ58

ProCredit Holding AG

BanksVerified

ProCredit Holding AG has a basic and diluted share count of 58,898,492 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the current dataset, preventing a direct comparison with industry_config preferred metrics or cohort medians. This lack of data limits the ability to assess the company's performance relative to its peers. Segment and geographic exposure details are not disclosed in the available data, making it impossible to evaluate revenue concentration or geographic diversification. Growth trajectory data is not available in the current dataset, preventing an assessment of the company's growth using outlook numeric deltas or historical revenue data. Risk factors include the inability to assess liquidity risk, which could impact the company's operational stability. Dilution potential is low, and no adjustments have been applied to the valuation metrics. Recent events, including filings and transcripts, are not disclosed in the available data, limiting the ability to assess the company's recent developments.

30-day price · PCZ-0.11 (-1.3%)
Low$7.58High$9.06Close$8.08As of22 May, 00:00 UTC
Profile
CompanyProCredit Holding AG
TickerPCZ.DE
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. ProCredit Holding AG operates as a bank, providing financial services to its clients.

Classification. ProCredit Holding AG is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

ProCredit Holding AG has a basic and diluted share count of 58,898,492 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and returns data are not available in the current dataset, preventing a direct comparison with industry_config preferred metrics or cohort medians. This lack of data limits the ability to assess the company's performance relative to its peers. Segment and geographic exposure details are not disclosed in the available data, making it impossible to evaluate revenue concentration or geographic diversification. Growth trajectory data is not available in the current dataset, preventing an assessment of the company's growth using outlook numeric deltas or historical revenue data. Risk factors include the inability to assess liquidity risk, which could impact the company's operational stability. Dilution potential is low, and no adjustments have been applied to the valuation metrics. Recent events, including filings and transcripts, are not disclosed in the available data, limiting the ability to assess the company's recent developments.
Key takeaways
  • ProCredit Holding AG has no dilution from potential share issuance, with equal basic and diluted share counts.
  • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
  • Profitability and returns data are not available, limiting the ability to compare with industry metrics.
  • Segment and geographic exposure details are not disclosed, making it impossible to evaluate revenue concentration.
  • Growth trajectory data is not available, preventing an assessment of the company's growth using outlook numeric deltas or historical revenue data.
  • Recent events, including filings and transcripts, are not disclosed in the available data.
  • --
  • # RATIONALES
Financial snapshot
PeriodHA-latest
CurrencyEUR
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$222.0M$79.6M$51.3M
FY-3$264.6M$16.5M$23.8M
FY-2$337.2M$113.4M$109.0M
FY-1$358.2M$104.3M$52.8M
FY0$353.0M$83.5M$40.3M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$8.22B$856.3M
FY-3$8.83B$869.4M
FY-2$9.75B$983.8M
FY-1$10.75B$1.06B
FY0$11.60B$1.07B
PeriodOCFCapExFCFSBC
FY-4$133.1M-$17.5M$51.3M
FY-3$566.9M-$21.2M$23.8M
FY-2$524.0M-$27.8M$109.0M
FY-1-$176.7M-$41.0M$52.8M
FY0-$104.1M-$41.4M$40.3M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6$90.0M$27.2M
FQ-5
FQ-4$85.0M$25.2M
FQ-3
FQ-2$89.5M$11.2M
FQ-1
FQ0$92.3M$21.7M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6$10.31B$1.02B
FQ-5
FQ-4$10.69B$1.07B
FQ-3
FQ-2$11.07B$1.05B
FQ-1
FQ0$11.59B$1.09B
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricPCZActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.6% medp25 19.4% · p75 51.1%
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity56.1% medp25 13.2% · p75 161.2%
Observations
IR observations
Mean price target15.13 EUR
Median price target15.50 EUR
High price target15.90 EUR
Low price target14.00 EUR
Mean recommendation1.67 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count2.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate1.33 EUR
Last actual EPS1.42 EUR
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-23 00:14 UTC#d2c355e3
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 22:45 UTCJob: 4868abc7