Stock PCZ PROCREDIT HOLDING AG
Add to a list
To use this feature you must be a member
Log inSign up

Financials ProCredit Holding AG BOERSE MUENCHEN

Equities

PCZ

DE0006223407

Banks

Real-time BOERSE MUENCHEN
Other stock markets
 03:44:12 2024-07-11 pm EDT 		5-day change 1st Jan Change
8.82 EUR -0.90% Intraday chart for ProCredit Holding AG -3.68% +9.88%
May. 13 Transcript : ProCredit Holding AG, Q1 2024 Earnings Call, May 13, 2024
May. 13 ProCredit Holding AG Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 427 438.8 472.4 219.7 477.1 523 - -
Enterprise Value (EV) 1 427 438.8 472.4 219.7 477.1 523 523 523
P/E ratio 8.15 x 10.6 x 5.94 x 13.3 x 4.22 x 4.74 x 4.28 x 3.62 x
Yield 4.14% 2.42% 6.61% - 7.9% 7.03% 7.78% 9.16%
Capitalization / Revenue 1.71 x 1.76 x 1.68 x 0.65 x 1.16 x 1.21 x 1.14 x 1.05 x
EV / Revenue 1.71 x 1.76 x 1.68 x 0.65 x 1.16 x 1.21 x 1.14 x 1.05 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.54 x 0.56 x 0.55 x 0.25 x 0.49 x 0.49 x 0.46 x 0.42 x
Nbr of stocks (in thousands) 58,898 58,898 58,898 58,898 58,898 58,898 - -
Reference price 2 7.250 7.450 8.020 3.730 8.100 8.880 8.880 8.880
Announcement Date 3/26/20 3/25/21 3/24/22 3/23/23 3/20/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 249.3 249 281.9 339.8 412.5 431.3 457.6 496.9
EBITDA - - - - - - - -
EBIT 1 73.54 80.7 101 122.4 165.6 157 168 190
Operating Margin 29.5% 32.41% 35.84% 36.02% 40.15% 36.4% 36.71% 38.23%
Earnings before Tax (EBT) 1 76.87 52.1 94.53 17.85 150.1 134.7 149.4 176.5
Net income 1 52.6 41.4 79.64 16.5 113.4 110.2 122.1 144.4
Net margin 21.1% 16.63% 28.25% 4.85% 27.49% 25.55% 26.68% 29.06%
EPS 2 0.8900 0.7000 1.350 0.2800 1.920 1.873 2.072 2.452
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.3000 0.1800 0.5300 - 0.6400 0.6244 0.6908 0.8137
Announcement Date 3/26/20 3/25/21 3/24/22 3/23/23 3/20/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3
Net sales 1 - 83.43 - 82.54 160.2 86.45 93.21 - 98.06 109.4
EBITDA - - - - - - - - - -
EBIT - - - - - - - - - -
Operating Margin - - - - - - - - - -
Earnings before Tax (EBT) 1 - 20.96 -3.82 10.42 6.602 11.12 0.12 - 40.81 38.48
Net income 30.57 17.61 - 9.416 7.703 9.637 - 29.46 34.64 -
Net margin - 21.11% - 11.41% 4.81% 11.15% - - 35.32% -
EPS - - - - - - - 0.5000 - -
Dividend per Share - - - - - - - - - -
Announcement Date 3/26/20 3/24/22 5/11/22 8/11/22 8/11/22 11/14/22 3/23/23 5/18/23 8/14/23 11/14/23
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 6.9% 5.3% 9.7% 1.9% 12.2% 10.8% 11.1% 12.1%
ROA (Net income/ Total Assets) 0.94% 0.59% 1.02% 0.19% 1.22% 1.1% 1.1% 1.2%
Assets 1 5,577 7,014 7,772 8,521 9,287 10,018 11,100 12,036
Book Value Per Share 2 13.50 13.20 14.50 14.80 16.70 18.00 19.40 21.20
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/26/20 3/25/21 3/24/22 3/23/23 3/20/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for ProCredit Holding AG

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
8.94 EUR
Average target price
17.43 EUR
Spread / Average Target
+95.00%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

Sector Commercial Banks

1st Jan change Capi.
AGRICULTURAL BANK OF CHINA LIMITED Stock Agricultural Bank of China Limited
+12.29% 213B
PT BANK CENTRAL ASIA TBK Stock PT Bank Central Asia Tbk
+7.18% 76.68B
ANZ GROUP HOLDINGS LIMITED Stock ANZ Group Holdings Limited
+13.19% 60.21B
INDUSTRIAL BANK CO., LTD. Stock Industrial Bank Co., Ltd.
+1.67% 47.42B
CRÉDIT AGRICOLE S.A. Stock Crédit Agricole S.A.
+5.08% 44B
CHINA CITIC BANK CO., LTD. Stock China CITIC Bank Co., Ltd.
+26.36% 43.17B
QATAR NATIONAL BANK (Q.P.S.C.) Stock Qatar National Bank (Q.P.S.C.)
-8.65% 38.26B
JAPAN POST BANK CO., LTD. Stock JAPAN POST BANK Co., Ltd.
+6.72% 34.28B
INVEST BANK Stock Invest bank
-96.60% 32.24B
Commercial Banks
  1. Stock Market
  2. Equities
  3. PCZ Stock
  4. PCZ Stock
  5. Financials ProCredit Holding AG