Financials / Banks - DiversifiedUpdated 2026-05-10 22:07 UTC

ETR/PCZ stock hub

ETR/PCZ has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

468.2M

Deutsche Börse Xetra

Market data

Live price

Current market quote for this ticker.

Current price

ETR/PCZ

In the news

Latest news · ETR/PCZ

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E5.8

P25 8.5P50 10.9P75 13.9

Trailing P/E5.6

P25 8.9P50 11.4P75 16.5

ROE7.8

P25 3.4P50 10.4P75 16.4

ROICn/a

P25 -2P50 6.2P75 15.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All ETR/PCZ market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

180

Groups with data

Currency

EUR

Showing 180 of 180 available metrics for this ticker.

Profile and market data

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

Metric	Value
Country	Germany
Country code	DE
Employees	4,660
Employees Change	-29%
Employees Change Percent	-0.62
Exchange	Deutsche Börse Xetra
Financial currency	EUR
First seen	2026-05-10
Industry	Banks - Diversified
Isin	DE0006223407
Last refreshed	2026-05-10
Market cap	EUR 468.2M
Price	EUR 7.95
Price currency	EUR
Rev Per Employee	93,096.33x
Sector	Financials
Sic	6020
Symbol	etr/PCZ
Website	https://www.procredit-holding.com

Valuation

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

Metric	Value
Earnings Yield	17.82%
FCF yield	-211.11%
Forward P/E	5.82x
P/B ratio	0.44x
P/E ratio	5.61x
P/S ratio	1.09x
PE Ratio10 Y	8.27x
PE Ratio3 Y	5.45x
PE Ratio5 Y	6.23x
PEG ratio	0.65x

Profitability

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

Metric	Value
Gross Profit	EUR 429.1M
Net Income	EUR 83.5M
Net Income Growth	-19.99%
Net Income Growth Q	29.34%
Net Income Growth Quarters	1%
Net Income Growth Years	0%
Net Income Growth3 Y	71.66%
Net Income Growth5 Y	15.05%
Pretax Margin	24.62%
Profit Margin	19.45%
Profit Per Employee	EUR 18,107
Profitable Years	14
ROA	0.75
Roa5y	0.84
ROE	7.84
Roe5y	8.39

Growth

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

Metric	Value
Cagr1y	-22.02%
Cagr3y	13.01%
Cagr5y	1.84%
Div CAGR3	-9.78%
Div CAGR5	21.16%
EPS Growth	-19.99
EPS Growth Q	28.74
EPS Growth Quarters	1
EPS Growth Years	0
EPS Growth3 Y	71.66
EPS Growth5 Y	15.05
Revenue Growth	-4.77x
Revenue Growth Q	-1.42x
Revenue Growth Years	5x
Revenue Growth3 Y	21.57x
Revenue Growth5 Y	13.65x

Financial strength

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

Metric	Value
Assets	EUR 11.6B
Cash	EUR 2B
Debt	EUR 1.3B
Debt FCF	EUR -1.34
Equity	EUR 1.1B
Liabilities	EUR 10.5B
Net Cash	EUR 693.5M
Net Cash By Market Cap	EUR 148
Net Cash Growth	-11.4%
Net Debt Equity	EUR -0.65
Tangible Book Value	EUR 1B
Tangible Book Value Per Share	EUR 17.44
WACC	3.07

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -6.5B

Dividends and buybacks

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

Metric	Value
Dividend Growth	-20.34%
Dividend Growth Years	0%
Dividend per share	EUR 0.47
Dividend Years	3
Dividend Yield	5.91%
Ex Div Date	2026-06-04
Last Dividend	EUR 0.47
Payout Frequency	Annual
Payout Ratio	41.64%

Performance and technicals

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

Metric	Value
1Y total return	-22.01%
200-day SMA	8.54
3Y total return	44.34%
50-day SMA	8.07
50-day SMA vs 200-day SMA	50under200
5Y total return	9.52%
All Time High	22.5
All Time High Change	-64.67%
All Time High Date	2017-02-14
All Time Low	2.42
All Time Low Change	228.51%
All Time Low Date	2022-09-23
ATR	0.24
Beta	1.36
Beta1y	1.33
Beta2y	1.14
Ch YTD	-5.81
High	8.08
High52	11.45
High52 Date	2025-05-13
High52ch	-30.57%
Low	7.89
Low52	6.9
Low52 Date	2025-11-19
Low52ch	15.22%
Ma50ch	-1.52%
Price vs 200-day SMA	-6.91%
RSI	44.87
RSI Monthly	47.16
RSI Weekly	45.96
Sharpe ratio	-0.74x
Sortino ratio	-0.79
Total Return	5.91%
Tr YTD	-5.81
Tr1m	3.79%
Tr1w	0.89%
Tr3m	-6.25%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 106.7M
Operating margin	24.86

Ownership and float

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

Metric	Value
Float	34,043,329%
Net Borrowing	26,028,000
Shares Institutions	36.57%
Shares Out	58,898,492
Shares Qo Q	0.76%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -988.5M
Average Volume	48,743.85x
Bv Per Share	18.24
CAPEX	EUR -41.4M
Ch1m	3.79
Ch1w	0.89
Ch1y	-26.39
Ch3m	-6.25
Ch3y	27.4
Ch5y	-9.25
Ch6m	4.06
Change	-1%
Change From Open	0
Close	8.03
Days Gap	-1
Dollar Volume	406,038.3
Earnings Date	2026-05-13
EPS	EUR 1.42
F Score	2
FCF	EUR -988.5M
FCF Per Share	EUR -16.78
Financing CF	834,315,000
Fiscal Year End	December
Founded	1,998
Goodwill	3,068,000
Graham Number	24.11159
Graham Upside	203.3
Income Tax	EUR 22.2M
Investing CF	-39,369,000
Is Primary Listing	1
Last Earnings Date	2026-03-19
Last Report Date	2025-12-31
Lynch Fair Value	EUR 21.33
Lynch Upside	168.3
Ma150	8.29
Ma150ch	-4.06%
Ma20	8.3
Ma20ch	-4.22%
Net CF	-195,570,000
Next Earnings Date	2026-05-13
Open	7.95
Payment Date	2026-06-08
Position In Range	31.58
Ppne	160,656,000
Price Date	2026-05-08
Ptbv Ratio	0.46
Relative Volume	1.06x
Revenue	429,081,000x
Tax By Revenue	5.17x
Tax Rate	21.01%
Tr6m	4.06%
Volume	51,074

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

ETR/PCZ dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.9%

$0.47 annual per share

Payout ratio

+41.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+21.2%

0 consecutive years of growth

Total shareholder yield

+5.9%

Next ex-dividend date: 2026-06-04

Performance

ETR/PCZ stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns ETR/PCZ?

Insider, institutional, and short-interest positioning.

Institutional ownership

+36.6%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

n/a

Negative means the company is buying back shares.

Technical

ETR/PCZ momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.9

Neutral momentum band

Price vs 200-day MA

-6.9%

50/200-day relationship not available

Beta (5Y)

1.36

More volatile than the market

Sharpe ratio

-0.74

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About ETR/PCZ

Hub-level FAQ points readers to the deeper analysis pages.

What is the current etr/PCZ stock rating?

etr/PCZ is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full etr/PCZ analysis?

The full report lives at /stocks/etr/PCZ/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for etr/PCZ?

The latest report frames etr/PCZ around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the etr/PCZ page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.