2.56%
16.71%
6.80%
2.80%
10.83%
16.09%
23.08%
AI Spotlight on PCZ
Company Description
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.
Market Data
| Last Price | 8.8 |
| Change Percentage | 2.56% |
| Open | 8.64 |
| Previous Close | 8.58 |
| Market Cap ( Millions) | 518 |
| Volume | 26782 |
| Year High | 10.2 |
| Year Low | 7.08 |
| M A 50 | 8.0 |
| M A 200 | 8.57 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 7.27% |
| ROE | 10.33% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 88993.58% |
| Price To Book | 0.51 |
| Price Earnings Ratio | 4.99 |
| Price To FCF | 0 |
| Price To sales | 0.92 |
| EV / EBITDA | 674.15 |
News
- Jan -28 - Revealing OSG And Two More Leading Dividend Stocks
- Dec -27 - 3 Reliable Dividend Stocks Yielding Up To 8.1%
- Nov -25 - Exploring November 2024's Undiscovered Gems on None
- Nov -25 - 3 Top Dividend Stocks Yielding Up To 8%
- Nov -21 - ProCredit Holding Third Quarter 2024 Earnings: EPS: €0.46 (vs €0.51 in 3Q 2023)
- Oct -15 - Top German Dividend Stocks To Consider In October 2024
- Oct -02 - Unveiling Undiscovered Gems In Germany This October 2024
- Sep -30 - All for One Group And 2 Other Leading German Dividend Stocks
- Sep -27 - Discovering Eckert & Ziegler And 2 Other Hidden Small Cap Treasures
- Sep -26 - Uncovering Eckert & Ziegler And 2 Other Hidden German Small Cap Gems
- Sep -13 - Top 3 Dividend Stocks On The German Exchange
- Aug -29 - Top 3 German Dividend Stocks To Watch
- Aug -27 - Undiscovered Gems in Germany Three Stocks to Watch in August 2024
- Aug -26 - Undiscovered Gems In Germany To Watch This August 2024
- Aug -23 - Undiscovered Gems in Germany for August 2024
- Aug -22 - EnviTec Biogas And Two Other Hidden German Gems For Your Portfolio
- Aug -14 - 3 German Dividend Stocks With Up To 7.6% Yield
- Jul -31 - 3 Undiscovered Gems In Germany With Strong Potential
- Jul -30 - Top German Dividend Stocks To Consider In July 2024
- Jul -23 - Exploring Undiscovered German Stocks In July 2024
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 7.43 %
What the company do ?
ProCredit Holding AG & Co. KGaA's Banking and Related Activities segment provides a range of banking services, including loans, deposits, and payment services to individuals and businesses.
Why we expect these perspectives ?
ProCredit Holding's 7.43% growth in Banking and Related Activities is driven by increasing lending to micro, small and medium-sized enterprises, expansion into Eastern European markets, and a focus on digitalization, resulting in improved operational efficiency and cost savings. Additionally, the company's commitment to responsible banking practices and strong risk management has contributed to its growth.
Procredit Holding Ag & Co. Kgaa Products
| Product Range | What is it ? |
|---|---|
| Corporate Banking | ProCredit Holding AG & Co. KGaA offers corporate banking services to businesses, providing financing solutions, cash management, and trade finance. |
| Retail Banking | ProCredit Holding AG & Co. KGaA provides retail banking services to individuals, including current and savings accounts, credit cards, and personal loans. |
| Microfinance | ProCredit Holding AG & Co. KGaA offers microfinance services to small businesses and entrepreneurs, providing access to capital and financial services. |
| Savings and Deposits | ProCredit Holding AG & Co. KGaA offers a range of savings and deposit products, including term deposits, savings accounts, and current accounts. |
| Payment Services | ProCredit Holding AG & Co. KGaA provides payment services, including card services, online banking, and mobile banking. |
ProCredit Holding AG & Co. KGaA's Porter Forces
Threat Of Substitutes
ProCredit Holding AG & Co. KGaA operates in the banking industry, where substitutes are limited. However, digital payment systems and fintech companies may pose a moderate threat.
Bargaining Power Of Customers
ProCredit Holding AG & Co. KGaA's customers are largely individuals and small businesses, who have limited bargaining power. The company's diversified customer base also reduces the bargaining power of individual customers.
Bargaining Power Of Suppliers
ProCredit Holding AG & Co. KGaA's suppliers are primarily technology and service providers, who have limited bargaining power. The company's scale and diversified supplier base also reduce the bargaining power of individual suppliers.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory requirements and capital adequacy norms. This limits the threat of new entrants for ProCredit Holding AG & Co. KGaA.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players. ProCredit Holding AG & Co. KGaA operates in a crowded market, which increases the intensity of rivalry.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 59.04% |
| Debt Cost | 3.95% |
| Equity Weight | 40.96% |
| Equity Cost | 10.11% |
| WACC | 6.47% |
| Leverage | 144.16% |
ProCredit Holding AG & Co. KGaA : Quality Control
ProCredit Holding AG & Co. KGaA passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BKS.VI | BKS Bank AG, together with its subsidiaries, provides various banking products and services. The company operates through four segments: Corporate and Business Banking, Retail Banking, Financial Markets, and Other segments. … |
| BTS.VI | Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides corporate and retail banking products and services in Austria and internationally. It operates through five segments: Corporate Customers, private … |
| TBCG.L | TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. The company operates through Retail; … |
| VATN.SW | Valiant Holding AG, together with its subsidiaries, provides financial services to private retail clients, affluent private clients, self-employed individuals, and small and medium-sized companies. The company offers savings; real estate … |
| SPOL.OL | SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, the public sector, clubs, and societies. The company offers deposits, financing, savings, advisory, life and non-life insurance, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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