VIE/PCZH (VIE/PCZH)

Vienna Stock Exchange: VIE/PCZH · EUR

€8.75

-0.11 (-1.2%)· Recorded snapshot

Market cap	524.2M
Revenue (ttm)	434.4M
Net income (ttm)	74.9M
EPS (ttm)	€1.27
P/E (trailing)	6.9x
P/E (forward)	6.0x
Dividend	€0.47 (5.37%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 434.4M
Net income (ttm): 74.9M
EPS (ttm): €1.27
P/E (trailing): 6.9x
P/E (forward): 6.0x
Market cap: 524.2M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E6

P25 n/aP50 n/aP75 n/a

Trailing P/E6.9

P25 n/aP50 n/aP75 n/a

ROE6.6

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All VIE/PCZH indicators

Market & fundamental data

Available fields

170

Groups with data

Currency

EUR

Showing 170 of 170 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	Germany
Country code	AT
Earnings date	2026-11-12
Employees	4,609
Employees change	-29
Employees growth	-0.62%
Exchange	Vienna Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1998
Industry	Banks - Diversified
Is primary listing	No
ISIN number	DE0006223407
Last earnings date	2026-08-13
Last refreshed	2026-10-29
Market cap	EUR 524.2M
Next earnings date	2026-11-12
Price	EUR 8.75
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	vie/PCZH
Website	https://www.procredit-holding.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	8.15x
Average P/E ratio (3Y)	5.3x
Average P/E ratio (5Y)	5.77x
Earnings yield	14.53%
FCF yield	-227.29%
Forward P/E	6.04x
Graham number	24.06564
Graham upside	175.04%
Lynch fair value	EUR 7.46
Lynch upside	-14.77%
P/B ratio	0.43x
P/E ratio	6.88x
P/S ratio	1.21x
Price / tangible book value	0.51x
Sector forward P/E	9.57x
Sector P/E	10.92x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	25.44%
Operating margin	23.33%
Pretax margin	23.13%
Profit margin	17.24%
Profit per employee	EUR 16,251
Profitable quarters	14
Profitable years	14
Revenue per employee	EUR 94,240
ROA	0.66%
ROA (5Y)	0.84%
ROE	6.6%
ROE (5Y)	8.39%
Tax / revenue	5.88%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-20.01%
EPS growth (Q)	-23.06%
EPS growth (QoQ)	-23.34%
EPS growth 10Y	1.54%
EPS growth 3Y	0.79%
EPS growth 5Y	5.97%
EPS growth years	0
Net income growth	-20.09%
Net income growth (Q)	-22.97%
Net income growth (QoQ)	-22.44%
Net income growth 3Y	0.93%
Net income growth 5Y	5.97%
Net income growth years	0
Revenue growth	-3.21%
Revenue growth (Q)	3.57%
Revenue growth (QoQ)	2.29%
Revenue growth 10Y	5.4%
Revenue growth 3Y	9.91%
Revenue growth 5Y	12.22%
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -41.4M
EPS	EUR 1.27
Financing cash flow	EUR 966.3M
Free cash flow	EUR -1.2B
Gross profit	EUR 434.4M
Income taxes	EUR 25.6M
Investing cash flow	EUR -35.5M
Net borrowing	EUR 26M
Net cash flow	EUR -221.4M
Net income	EUR 74.9M
Operating income	EUR 101.3M
Revenue	EUR 434.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 18.31
Debt / equity	1.01
Net cash (debt)	EUR 411M
Net cash / market cap	78.4%
Net cash growth	-20.49%
Net debt / equity	-0.33
Piotroski F-Score	2
Property, plant and equipment	EUR 162.8M
Shareholders' equity	EUR 1.2B
Tangible book value	EUR 1B
Tangible book value per share	EUR 17.42
Total assets	EUR 11.9B
Total cash	EUR 1.7B
Total debt	EUR 1.2B
Total liabilities	EUR 10.7B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -6.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.11%
Dividend growth	-20.34%
Dividend growth years	0
Dividend payment date	2026-06-08
Dividend payment years	3
Dividend payout frequency	Annual
Dividend per share	EUR 0.47
Dividend yield	5.37%
Ex-dividend date	2026-06-04
Last dividend	EUR 0.47
Payout ratio	46.4%
Shareholder yield	5.48%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	EUR 8.35
1D price change	-1.24%
1M price change	-2.13%
1M total return	-2.13%
1W price change	1.74%
1W total return	1.74%
1Y price change	-5.3%
1Y return CAGR	0.69%
1Y total return	0.69%
20-day SMA	EUR 8.74
200-day SMA	EUR 8.34
3M price change	5.93%
3M total return	5.93%
50-day SMA	EUR 8.74
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 9.34
52-week high date	2025-10-28
52-week low	EUR 7.00
52-week low date	2025-11-18
6M price change	6.19%
6M total return	12.91%
All-time high	EUR 11.40
All-time high date	2025-05-12
All-time low	EUR 7.00
All-time low date	2025-11-18
Average true range (ATR)	EUR 0.13
Average volume	0
Change from 52-week high	-6.32%
Change from 52-week low	25%
Change from all-time high	-23.25%
Change from all-time low	25%
Change from open	-0.46%
Day's gap	-0.79%
High price	EUR 8.81
Low price	EUR 8.75
Monthly RSI	48.53
Open price	EUR 8.79
Position in 52-week range	0%
Previous close	EUR 8.86
Price vs 150-day SMA	4.79%
Price vs 20-day SMA	0.16%
Price vs 200-day SMA	4.97%
Price vs 50-day SMA	0.14%
Relative volume	0.38
RSI	49.99
Sharpe ratio	0.55
Sortino ratio	1.03
Weekly RSI	54.8
YTD price change	3.67%
YTD total return	10.23%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	34M
Shares change (QoQ)	1.18%
Shares change (YoY)	-0.11%
Shares held by institutions	24.66%

Deeper analysis on VIE/PCZH

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this VIE/PCZH report

Is a complete VIE/PCZH research report available?

No complete published report is available for vie/PCZH (VIE/PCZH) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

VIE/PCZH (VIE/PCZH)

Price

Financial snapshot

Fair-value bridge

Latest news · VIE/PCZH

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All VIE/PCZH indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on VIE/PCZH

Frequently asked questions