ProCredit Holding AG & Co KGaA
XETRA:PCZ
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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P/S
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.
Valuation Scenarios
If P/S returns to its 3-Year Average (1), the stock would be worth €8.48 (4% upside from current price).
| Scenario | P/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 0.9 | €8.18 |
0%
|
| 3-Year Average | 1 | €8.48 |
+4%
|
| 5-Year Average | 1 | €8.48 |
+4%
|
| Industry Average | 2.1 | €18.95 |
+132%
|
| Country Average | 1.1 | €9.34 |
+14%
|
Forward P/S
Today’s price vs future revenue
| Today's Market Cap | Revenue | Forward P/S | ||
|---|---|---|---|---|
|
€468.8m
|
/ |
Jan 2026
€521.6m
|
= |
|
|
€468.8m
|
/ |
Dec 2026
€480.8m
|
= |
|
|
€468.8m
|
/ |
Dec 2027
€533.1m
|
= |
|
|
€468.8m
|
/ |
Dec 2028
€592.4m
|
= |
|
Forward P/S shows whether today’s P/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | P/S | P/E | ||||
|---|---|---|---|---|---|---|
| DE |
|
ProCredit Holding AG & Co KGaA
XETRA:PCZ
|
481.8m EUR | 0.9 | 5.8 | |
| US |
|
JPMorgan Chase & Co
NYSE:JPM
|
839.3B USD | 4.5 | 14.6 | |
| ZA |
S
|
Standard Bank Group Ltd
JSE:SBK
|
520.1B ZAR | 1.8 | 10.6 | |
| ZA |
C
|
Capitec Bank Holdings Ltd
JSE:CPI
|
501B ZAR | 7.5 | 29.8 | |
| CN |
|
Industrial and Commercial Bank of China Ltd
SSE:601398
|
2.7T CNY | 3.1 | 7.5 | |
| CN |
|
China Construction Bank Corp
SSE:601939
|
2.6T CNY | 3.3 | 7.8 | |
| US |
|
Bank of America Corp
NYSE:BAC
|
381.2B USD | 3.3 | 12.6 | |
| CN |
|
Agricultural Bank of China Ltd
SSE:601288
|
2.4T CNY | 3.3 | 8.8 | |
| UK |
|
HSBC Holdings PLC
LSE:HSBA
|
231.7B GBP | 3.5 | 14.8 | |
| CN |
|
Bank of China Ltd
SSE:601988
|
1.9T CNY | 2.7 | 8.1 | |
| US |
|
Wells Fargo & Co
NYSE:WFC
|
252B USD | 3 | 12.2 |
Market Distribution
| Min | 0 |
| 30th Percentile | 0.6 |
| Median | 1.1 |
| 70th Percentile | 2.1 |
| Max | 23 633 |
Other Multiples
ProCredit Holding AG & Co KGaA
Glance View
ProCredit Holding AG & Co. KGaA is a development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. The company is headquartered in Frankfurt, Hessen and currently employs 3,178 full-time employees. The company went IPO on 2016-12-22. The firm operates as a parent for development-oriented ProCredit group, which consists of commercial banks for small and medium enterprises (SMEs) and whose operational focus is on South Eastern and Eastern Europe. In addition to this regional presence, the ProCredit group is also active in South America and Germany. The firm operates through various subsidiaries, such as ProCredit Bank SA, ProCredit Bank (Bulgaria) EAD, ProCredit Bank AG, ProCredit Academy GmbH, Quipu GmbH, ProCredit Bank SA, ProCredit Bank ShA, Banco ProCredit Colombia SA, Banco ProCredit SA, JSC ProCredit Bank, Banco Pyme Los Andes ProCredit SA, BC ProCredit Bank, JSC ProCredit Bank, as well as operates special purpose vehicles PC Finance II BV and Fideicosimo Primera Tituarizacion de Cartera Comercial Pymes ProCredit, among others.
