Obermatt

ProCredit

GER:PCZ · DE0006223407
BanksSmall

360

73
Profit price80
Cash yield77
Price/Sales100
Price/Book100
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth68
Profit Growth12
Long-Term EPS Growth51
Reinvestment79
Price momentum4
Debt load90
Debt serviceability81
Liquidity9
Analyst ratings87
Opinion Changes50
Price Target Upside98
Market mood42
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

ProCredit clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryGermany
IndustryBanks
SizeSmall
TypePublic Company
ExchangeXTRA
Founded2023
Employees689
ISINDE0006223407
Last UpdateApr 2, 2026
Themes
BankingFinancial Services

Description

ProCredit Holding AG provides commercial banking services for small and medium enterprises and private customers. Business Segments The company organizes its operations into distinct geographical segments, each catering to local market needs while…

Analysis

Bargain bin

ProCredit Holding AG is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

Valuation data is not available for this company.

Growth is tepid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
79
2023202420252026

All-time high

98

Jan 2024

All-time low

35

Jan 2023

Average rank

72

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
91
80
78
Price/Earnings
97
100
97
100
Price/Book
100
93
82
89
Dividend Yield
77
87
79
100
Value (overall)
98
100
94
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →