ProCredit Holding AG & Co. KGaA
ProCredit Holding AG & Co. KGaA Fundamental Analysis
ProCredit Holding AG & Co. KGaA (PCZ.DE) shows moderate financial fundamentals with a PE ratio of 5.15, profit margin of 11.12%, and ROE of 7.88%. The company generates $0.8B in annual revenue with strong year-over-year growth of 12.95%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PCZ.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakPCZ.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPCZ.DE trades at attractive valuation levels.
Growth Score
ModeratePCZ.DE shows steady but slowing expansion.
Financial Health Score
ModeratePCZ.DE shows balanced financial health with some risks.
Profitability Score
WeakPCZ.DE struggles to sustain strong margins.
Key Financial Metrics
Is PCZ.DE Expensive or Cheap?
P/E Ratio
PCZ.DE trades at 5.15 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PCZ.DE's PEG of 0.68 indicates potential undervaluation.
Price to Book
The market values ProCredit Holding AG & Co. KGaA at 0.40 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.07 times EBITDA. This signals the market has high growth expectations.
How Well Does PCZ.DE Make Money?
Net Profit Margin
For every $100 in sales, ProCredit Holding AG & Co. KGaA keeps $11.12 as profit after all expenses.
Operating Margin
Core operations generate 14.07 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.88 in profit for every $100 of shareholder equity.
ROA
ProCredit Holding AG & Co. KGaA generates $0.72 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ProCredit Holding AG & Co. KGaA generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
ProCredit Holding AG & Co. KGaA generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
PCZ.DE converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.15
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.68
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.40
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.57
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.23
vs 25 benchmark
Current Ratio
Current assets to current liabilities
8.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How PCZ.DE Stacks Against Its Sector Peers
| Metric | PCZ.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.15 | 18.66 | Better (Cheaper) |
| ROE | 7.88% | 804.00% | Weak |
| Net Margin | 11.12% | 2258.00% | Weak |
| Debt/Equity | 1.23 | 1.03 | Neutral |
| Current Ratio | 8.06 | 662.03 | Strong Liquidity |
| ROA | 0.72% | -24049.00% (disorted) | Weak |
PCZ.DE outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ProCredit Holding AG & Co. KGaA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
65.24%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
98.29%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-160.88%
Industry Style: Value, Dividend, Cyclical
Declining