Stock PCZ PROCREDIT HOLDING AG
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Financials ProCredit Holding AG BOERSE MUENCHEN

Equities

PCZ

DE0006223407

Banks

Market Closed - BOERSE MUENCHEN
Other stock markets
 15:44:14 2024-06-28 EDT 		5-day change 1st Jan Change
9.24 EUR +5.72% Intraday chart for ProCredit Holding AG -4.15% +14.07%
05-13 Transcript : ProCredit Holding AG, Q1 2024 Earnings Call, May 13, 2024
05-13 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 1 427 438.8 472.4 219.7 477.1 540.7 - -
Enterprise Value (EV) 1 427 438.8 472.4 219.7 477.1 540.7 540.7 540.7
P/E ratio 8.15 x 10.6 x 5.94 x 13.3 x 4.22 x 4.9 x 4.43 x 3.74 x
Yield 4.14% 2.42% 6.61% - 7.9% 6.79% 7.52% 8.86%
Capitalization / Revenue 1.71 x 1.76 x 1.68 x 0.65 x 1.16 x 1.25 x 1.18 x 1.09 x
EV / Revenue 1.71 x 1.76 x 1.68 x 0.65 x 1.16 x 1.25 x 1.18 x 1.09 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 0.51 x 0.47 x 0.43 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 9.180 9.180 9.180
Announcement Date 20-03-26 21-03-25 22-03-24 23-03-23 24-03-20 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 249.3 249 281.9 339.8 412.5 431.4 457.6 496.7
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% 36.39% 36.72% 38.25%
Earnings before Tax (EBT) 1 76.87 52.1 94.53 17.85 150.1 134.8 149.4 176.6
Net income 1 52.6 41.4 79.64 16.5 113.4 110.1 122.1 144.5
Net margin 21.1% 16.63% 28.25% 4.85% 27.49% 25.51% 26.69% 29.09%
EPS 2 0.8900 0.7000 1.350 0.2800 1.920 1.873 2.073 2.453
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.3000 0.1800 0.5300 - 0.6400 0.6233 0.6900 0.8133
Announcement Date 20-03-26 21-03-25 22-03-24 23-03-23 24-03-20 - - -
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 20-03-26 22-03-24 22-05-11 22-08-11 22-08-11 22-11-14 23-03-23 23-05-18 23-08-14 23-11-14
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 10,005 11,100 12,040
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 20-03-26 21-03-25 22-03-24 23-03-23 24-03-20 - - -
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
9.18 EUR
Average target price
17.43 EUR
Spread / Average Target
+89.91%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

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