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XETR
PCZ
Market cap653mUSD
Jun 20, Last price  
9.18EUR
1D
0.22%
1Q
-5.75%
Jan 2017
-42.26%
IPO
-32.00%
Name

ProCredit Holding AG & Co KGaA

Chart & Performance

D1W1MN
P/E
5.18
P/S
1.17
EPS
1.77
Div Yield, %
6.65%
Shrs. gr., 5y
—
Rev. gr., 5y
11.05%
Revenues
461m
+15.46%
523,413,000489,074,000403,774,000378,732,000295,792,000270,856,000261,430,000273,018,000273,073,000301,861,000358,359,000399,395,000461,153,000
Net income
104m
-7.99%
44,812,00036,878,00047,812,00059,575,00059,422,00046,282,00052,785,00052,605,00041,396,00079,642,00016,497,000113,372,000104,309,000
CFO
-177m
L-60.29%
107,728,00098,862,000206,919,000117,137,000175,361,00090,754,00027,324,000290,335,000135,885,000133,147,000566,938,000-445,128,000-176,748,000
Dividend
Jun 05, 20250.59 EUR/sh

Profile

ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's financial products; business loans for wholesale and retail trade, agriculture, forestry and fishing, production, transportation and storage, and other activities, as well as investment, working capital, and green loans; and private loans, such as housing, investment, and other loans. It also offers current, savings, and term deposit accounts; mobile and electronic banking services; and card payment services, as well as grants credit lines and overdrafts. The company was formerly known as Internationale Micro Investitionen AG and changed its name to ProCredit Holding AG & Co. KGaA. ProCredit Holding AG & Co. KGaA was founded in 1998 and is based in Frankfurt am Main, Germany.
URL
https://www.procredit-holding.com/
IPO date
Dec 22, 2016
Employees
3,437
Domiciled in
DE
Incorporated in
DE

Valuation

Title
EUR in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
461,153
15.46%
399,395
11.45%
358,359
18.72%
Cost of revenue
86,542
(187,409)
122,654
Unusual Expense (Income)
NOPBT
374,611
586,804
235,705
NOPBT Margin
81.23%
146.92%
65.77%
Operating Taxes
42,372
36,643
1,350
Tax Rate
11.31%
6.24%
0.57%
NOPAT
332,239
550,161
234,355
Net income
104,309
-7.99%
113,372
587.23%
16,497
-79.29%
Dividends
(37,695)
Dividend yield
8.29%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
439,811
406,639
Long-term debt
1,000,898
329,017
Deferred revenue
2,832
Other long-term liabilities
2,547,953
(4,720)
Net debt
(3,139,929)
(835,575)
(1,702,590)
Cash flow
Cash from operating activities
(176,748)
(445,128)
566,938
CAPEX
(41,030)
(27,847)
(21,224)
Cash from investing activities
(35,976)
(22,424)
(12,482)
Cash from financing activities
54,847
1,006,752
(1,304)
FCF
(2,204,520)
573,208
302,289
Balance
Cash
2,163,694
2,276,284
1,939,682
Long term investments
976,235
498,564
Excess cash
3,116,871
2,256,314
2,420,328
Stockholders' equity
1,134,430
983,789
953,814
Invested Capital
9,617,185
3,966,136
3,442,396
ROIC
4.89%
14.85%
6.94%
ROCE
3.48%
11.85%
5.36%
EV
Common stock shares outstanding
58,898
58,898
58,898
Price
7.72
-4.69%
8.10
117.16%
3.73
-53.49%
Market cap
454,696
-4.69%
477,078
117.16%
219,691
-53.49%
EV
(2,685,233)
(358,497)
(1,398,520)
EBITDA
395,749
624,152
370,191
EV/EBITDA
Interest
230,923
193,300
119,691
Interest/NOPBT
61.64%
32.94%
50.78%