Valuation remains strong (avg 100/100), but growth is pulling the composite down (avg 70/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
0.5x book, trading near or below equity
5–10% CAGR, steady but not exceptional
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Roughly flat, no meaningful dilution
5–10%, adequate but not exceptional
9.3% equity/assets, comfortable cushion
Net margin expanded 3+pp, strong improvement
ProCredit Holding (PCZ.XETR) quality: score, margins and returns
ProCredit Holding (PCZ.XETR) scores 83/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is ProCredit Holding (PCZ.XETR) a high-quality business?+
ProCredit Holding scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does ProCredit Holding's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from PCZ.XETR's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where ProCredit Holding scores well and where it falls behind.
How profitable is ProCredit Holding?+
ProCredit Holding runs a net margin of about 15.8%. Revenue has grown at roughly 11.1% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
Peers
Banks - Diversified · Pick stocks to compare with PCZ.XETR
Held by ETFs
PCZ.XETR is in 5 US ETFs. The largest of them, with PCZ.XETR's weight in each:
Avantis International Small Cap Value ETFAVDV0.01%of the fund
Dimensional International Small Cap Value ETFDISV0.01%of the fund
WisdomTree International SmallCap Dividend FundDLS0.08%of the fund
WisdomTree Dynamic International SmallCap Equity FundDDLS0.08%of the fund
WisdomTree Europe SmallCap Dividend FundDFE0.22%of the fund
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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