Companies ›Financials ›PCZ.DE

PCZ.DE — XETRA Banks

ProCredit Holding AG

€8,27

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EV / Rev

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Div yield

5,85 %

Op margin

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ROE

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TR 1Y

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About

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

Business. ProCredit Holding AG (PCZ.DE) is a banking institution operating within the Financials sector, specifically engaged in banking and investment services. The company is headquartered in Germany and is primarily listed on the Xetra exchange. As segment and geographic breakdowns are not provided, the firm is described at the industry level as a bank generating revenue primarily through interest income.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

BUY3 analysts

3 buy0 hold0 sell

Avg 12m price target15,13

Analyst recommendations

3 analysts · consensus Buy

Buy3

Hold0

Sell0

12-month price target

15,13

Consensus of sell-side coverage.

Upcoming events

— missing data

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts→

Buy

3 analysts · indicative

Ownership

—

not yet wired

Profitability

—

not yet wired

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning PCZ.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to PCZ.DE. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

ProCredit Holding AG (PCZ.DE) is a banking institution operating within the Financials sector, specifically engaged in banking and investment services. The company is headquartered in Germany and is primarily listed on the Xetra exchange. As segment and geographic breakdowns are not provided, the firm is described at the industry level as a bank generating revenue primarily through interest income.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

— missing data

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.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Analysts project 84.6% upside to a mean price target of EUR 15.13, signaling strong market confidence in future performance.

Total assets grew at a 9.0% CAGR over five years, demonstrating consistent balance sheet expansion and operational scale.

Revenue achieved a 12.3% CAGR over four years, indicating robust top-line growth momentum despite recent volatility.

Equity grew at a 5.8% CAGR over five years, reflecting steady capital accumulation and retained earnings strength.

Dilution risk is assessed as low, suggesting minimal threat to existing shareholder value from equity issuance.

BEAR CASE · 3

Revenue contracted 1.5% year-over-year, marking the first decline in a previously strong growth trajectory.

Long-term debt surged to EUR 506.1 million in FY2026, increasing leverage and potential interest expense burdens.

Net income CAGR of only 1.2% over four years suggests weak long-term earnings power relative to revenue growth.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-05-13

Q1 2026 · Quarter highlights

Revenue €92.3M, +8,6% YoY; Net income −14,1% YoY.

Revenue€92.3M+8,6 % YoY

Operating income—

Net income€21.7M−14,1 % YoY

Free cash flow—

EPS—

Operating cash flow—

Financials

Income statement

Revenue€92.3M

Gross profit—

Operating income—

Net income€21.7M

Margins

Gross margin—

Operating margin—

Net margin23.5%

FCF margin—

Balance sheet

Total assets€11.59B

Total liabilities€10.50B

Total equity€1.09B

Cash & equivalents—

Long-term debt€472.7M

Highlights

▍Revenue €92.3M, +8,6% YoY
▍Net income −14,1% YoY
▍Net margin 23.5%

Valuation FY

Market price

€8,27

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

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Net cashⓘ

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Current ratioⓘ

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Debt / equityⓘ

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ROAⓘ

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ROEⓘ

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Cash conversionⓘ

—

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

1,33

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

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no estimate

Segment revenue

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no estimate

Margin

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no estimate

Segment margin

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no estimate

as of 2026-05-23 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	1,33
Revenue	—no estimate	—no estimate	476,7M EUR
Operating income	—no estimate	—no estimate	394,3M EUR

Full-year consensus mean (period as reported by source) · consensus in EUR. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution3 analysts

Strong buy1

Buy2

Hold0

Sell0

Strong sell0

12-month price target€15,13 · Median €15,50

Low €14,00High €15,90

Operating income · consensus394,3M EUR

EPS surprise

+6,6 %

reported vs consensus · beat

Revenue surprise

+23,7 %

reported vs consensus · beat

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low€14,00

Mean€15,13

Median€15,50

High€15,90

Spot€8,27

+83.0 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskUnknown

Benchmarks vs cohort

No cohort benchmark data available for this issuer yet.

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic

Source documents

ProCredit Holding AG Market data — financials · 2026-05-28
ProCredit Holding AG Market data — analyst estimates · 2026-05-28
ProCredit Holding AG Market data — ESG · 2026-05-28

Ownership & reference

Leadership

Christian DagrosaMember of the Management Board

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

PCZ.DECanonical

XETRA · EUR

Intel & risk

PredictorBeat prob45 %Surprise+0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskUnknown

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated

2026-05-13 05:58 UTCEARNINGSQuarterly results — Q1 2026 Revenue EUR 92.3M · Net EUR 21.7M

2026-03-19 05:58 UTCEARNINGSAnnual results — FY 2026 Revenue EUR 353.0M · Net EUR 83.5M

2025-03-27 05:59 UTCEARNINGSAnnual results — FY 2025 Revenue EUR 358.2M · Net EUR 104.3M

2024-03-20 08:09 UTCEARNINGSAnnual results — FY 2024 Revenue EUR 337.2M · Net EUR 113.4M

2023-03-23 05:59 UTCEARNINGSAnnual results — FY 2023 Revenue EUR 264.6M · Net EUR 16.5M

2022-03-24 05:58 UTCEARNINGSAnnual results — FY 2022 Revenue EUR 222.0M · Net EUR 79.6M

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread