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XETRPCZ
Market cap483mUSD
Dec 23, Last price  
7.90EUR
1D
2.33%
1Q
-4.13%
Jan 2017
-50.31%
IPO
-41.48%
Name

ProCredit Holding AG & Co KGaA

Chart & Performance

D1W1MN
XETR:PCZ chart
P/E
4.10
P/S
1.17
EPS
1.92
Div Yield, %
0.00%
Shrs. gr., 5y
0.15%
Rev. gr., 5y
8.85%
Revenues
399m
+11.45%
523,413,000489,074,000403,774,000378,732,000295,792,000270,856,000261,430,000273,018,000273,073,000301,861,000358,359,000399,395,000
Net income
113m
+587.23%
44,812,00036,878,00047,812,00059,575,00059,422,00046,282,00052,785,00052,605,00041,396,00079,642,00016,497,000113,372,000
CFO
-445m
L
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
Dividend
Jun 05, 20240.64 EUR/sh
Earnings
Jun 04, 2025

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
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
399,395
11.45%
358,359
18.72%
301,861
10.54%
Cost of revenue
(187,409)
122,654
94,998
Unusual Expense (Income)
NOPBT
586,804
235,705
206,863
NOPBT Margin
146.92%
65.77%
68.53%
Operating Taxes
36,643
1,350
14,890
Tax Rate
6.24%
0.57%
7.20%
NOPAT
550,161
234,355
191,973
Net income
113,372
587.23%
16,497
-79.29%
79,642
92.39%
Dividends
(31,216)
Dividend yield
6.61%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
439,811
406,639
535,725
Long-term debt
1,000,898
329,017
475,027
Deferred revenue
2,832
3,041
Other long-term liabilities
2,547,953
(4,720)
(3,681)
Net debt
(835,575)
(1,702,590)
(951,172)
Cash flow
Cash from operating activities
(445,128)
566,938
133,147
CAPEX
(27,847)
(21,224)
(17,492)
Cash from investing activities
(22,424)
(12,482)
(13,443)
Cash from financing activities
1,006,752
(1,304)
(36,006)
FCF
573,208
302,289
668,445
Balance
Cash
2,276,284
1,939,682
1,545,522
Long term investments
498,564
416,402
Excess cash
2,256,314
2,420,328
1,946,831
Stockholders' equity
983,789
953,814
937,321
Invested Capital
3,966,136
3,442,396
3,310,248
ROIC
14.85%
6.94%
6.00%
ROCE
11.85%
5.36%
4.87%
EV
Common stock shares outstanding
58,898
58,898
58,898
Price
8.10
117.16%
3.73
-53.49%
8.02
7.65%
Market cap
477,078
117.16%
219,691
-53.49%
472,366
7.65%
EV
(358,497)
(1,398,520)
(397,800)
EBITDA
624,152
370,191
237,544
EV/EBITDA
Interest
193,300
119,691
88,418
Interest/NOPBT
32.94%
50.78%
42.74%