ProCredit Holding AG
SWB:PCZ
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P/E
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Valuation Scenarios
If P/E returns to its 3-Year Average (4.9), the stock would be worth €7.21 (12% downside from current price).
| Scenario | P/E Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 5.6 | €8.18 |
0%
|
| 3-Year Average | 4.9 | €7.21 |
-12%
|
| 5-Year Average | 5.1 | €7.42 |
-9%
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| Industry Average | 16.6 | €24.26 |
+197%
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| Country Average | 19.3 | €28.07 |
+243%
|
Forward P/E
Today’s price vs future net income
| Today's Market Cap | Net Income | Forward P/E | ||
|---|---|---|---|---|
|
€452.9m
|
/ |
Jan 2026
€83.5m
|
= |
|
|
€452.9m
|
/ |
Dec 2026
€98.5m
|
= |
|
|
€452.9m
|
/ |
Dec 2027
€131.6m
|
= |
|
|
€452.9m
|
/ |
Dec 2028
€167m
|
= |
|
Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.
Peer Comparison
| Market Cap | P/E | ||||
|---|---|---|---|---|---|
| DE |
P
|
ProCredit Holding AG
SWB:PCZ
|
452.9m EUR | 5.6 | |
| US |
|
JPMorgan Chase & Co
NYSE:JPM
|
828.6B USD | 14.6 | |
| ZA |
S
|
Standard Bank Group Ltd
JSE:SBK
|
512.9B ZAR | 10.4 | |
| ZA |
C
|
Capitec Bank Holdings Ltd
JSE:CPI
|
512.1B ZAR | 30.4 | |
| CN |
|
Industrial and Commercial Bank of China Ltd
SSE:601398
|
2.7T CNY | 7.5 | |
| US |
|
Bank of America Corp
NYSE:BAC
|
377B USD | 12.6 | |
| CN |
|
China Construction Bank Corp
SSE:601939
|
2.6T CNY | 7.7 | |
| CN |
|
Agricultural Bank of China Ltd
SSE:601288
|
2.4T CNY | 8.9 | |
| UK |
|
HSBC Holdings PLC
LSE:HSBA
|
228.6B GBP | 14.8 | |
| CN |
|
Bank of China Ltd
SSE:601988
|
1.9T CNY | 8.1 | |
| US |
|
Wells Fargo & Co
NYSE:WFC
|
249.8B USD | 12.1 |
Market Distribution
| Min | 0 |
| 30th Percentile | 13.8 |
| Median | 19.3 |
| 70th Percentile | 29.5 |
| Max | 8 582.9 |
Other Multiples
ProCredit Holding AG
Glance View
ProCredit Holding AG & Co. KGaA engages in development-oriented commercial banks. The company is headquartered in Frankfurt, Hessen and currently employs 3,437 full-time employees. The company went IPO on 2016-12-22. The activities of the ProCredit group comprise the financing of Small and Medium-sized Enterprises (SMEs) and direct banking for private clients. The firm provides provision of equity and debt financing, strategic guidance and supervision, ensuring that all ProCredit institutions have appropriate organisational structures and procedures in place, and that they apply appropriate standards for risk management and the prevention of money laundering, fraud and the financing of terrorism. The company sets the overall policy guidelines and standards regarding all key areas of banking operations and involved in staff management and training. The firm offers development and delivery of curricula at the central ProCredit Academy in Fuerth. The company operates in South Eastern Europe, Eastern Europe, South America and Germany.
