ScoreWhy is ProCredit Holding AG ?
1
High Profitability with a Net Interest Margin of 11.30%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
The company has declared negative results in Dec'2023 after 3 consecutive positive quarters
- PBT LESS OI(Q) At EUR -17 MM has Fallen at -444.9 %
- OPERATING CF(Y) Lowest at EUR 0.00 MM
- DPR(Y) Lowest at 0.00 %
4
With ROA of 0.59%, it has a Attractive valuation with a 0.53 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 10.56%, its profits have fallen by -12.3%
5
Underperformed the market in the last 1 year
- The stock has generated a return of 10.56% in the last 1 year, much lower than market (Germany DAX (TR)) returns of 24.35%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ProCredit Holding AG should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ProCredit Holding AG for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
ProCredit Holding AG
7.73%
-0.01
37.72%
Germany DAX (TR)
18.37%
1.26
19.31%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.80%
EBIT Growth (5y)
11.62%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.31%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.53
EV to EBIT
-0.06
EV to EBITDA
-0.06
EV to Capital Employed
-0.02
EV to Sales
-0.01
PEG Ratio
NA
Dividend Yield
0.54%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
9.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for ProCredit Holding AG
Gross NPA - Quarterly
Lowest at 0.00 %
in the last five periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at EUR nan MM.
in the last five periodsMOJO Watch
Near term PAT trend is positive
PAT (EUR MM)
Here's what is not working for ProCredit Holding AG
Interest Earned - Quarterly
At EUR 93 MM has Fallen at -25.1 %
over average Interest Earned of the previous four periods of EUR 123 MMMOJO Watch
Near term sales trend is very negative
Interest Earned (EUR MM)
Profit Before Tax less Other Income (PBT) - Quarterly
At EUR -17 MM has Fallen at -444.9 %
over average PBT of the previous four periods of EUR -3 MMMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (EUR MM)
Operating Cash Flow - Annually
Lowest at EUR 0.00 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (EUR MM)
Interest Earned - Quarterly
Lowest at EUR 93 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Interest Earned (EUR MM)
Cash and Cash Equivalents - Half Yearly
Lowest at EUR 0.00 MM
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents (EUR MM)
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00 %
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
CAR - Quarterly
Lowest at 0.00 %
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
