ProCredit Holding AG (XTER:PCZ) EV-to-FCF: (As of Jul. 01, 2026)


XTER:PCZ ProCredit Holding AG XTER:PCZ
64 GF Score
Price €8.16
GF Value €8.99
Valuation Fairly Valued
! 3 Warning Signs
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What is ProCredit Holding AG EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ProCredit Holding AG's Enterprise Value is €-997.1 Mil. ProCredit Holding AG's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €0.0 Mil. Therefore, ProCredit Holding AG's EV-to-FCF for today is .

The historical rank and industry rank for ProCredit Holding AG's EV-to-FCF or its related term are showing as below:

XTER:PCZ' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 6.85
Current: 6.85

During the past 13 years, the highest EV-to-FCF of ProCredit Holding AG was 6.85. The lowest was 0.00. And the median was 0.00.

XTER:PCZ's EV-to-FCF is ranked worse than
50.92% of 1194 companies
in the Banks industry
Industry Median: 6.565 vs XTER:PCZ: 6.85

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-01), ProCredit Holding AG's stock price is €8.16. ProCredit Holding AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €1.360. Therefore, ProCredit Holding AG's PE Ratio (TTM) for today is 6.00.


ProCredit Holding AG  (XTER:PCZ) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

ProCredit Holding AG's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=8.16/1.360
=6.00

ProCredit Holding AG's share price for today is €8.16.
ProCredit Holding AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.360.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


ProCredit Holding AG EV-to-FCF Related Terms


ProCredit Holding AG EV-to-FCF Historical Data

* Premium members only.

The historical data trend for ProCredit Holding AG's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ProCredit Holding AG EV-to-FCF Chart

ProCredit Holding AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.30 -2.58 -3.14 6.11 7.99

ProCredit Holding AG Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 7.99 0.00

XTER:PCZ vs JPM, BAC, WFC: EV-to-FCF Comparison

For the Banks - Diversified subindustry, ProCredit Holding AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


ProCredit Holding AG EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, ProCredit Holding AG's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where ProCredit Holding AG's EV-to-FCF falls into.


XTER:PCZ
64GF Score
ProCredit Holding AG XTER:PCZ
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ProCredit Holding AG EV-to-FCF Calculation

ProCredit Holding AG's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=-997.074/0
=

ProCredit Holding AG's current Enterprise Value is €-997.1 Mil.
ProCredit Holding AG's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.0 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is ProCredit Holding AG (XTER:PCZ) Overvalued in 2026?

Based on GuruFocus' analysis, ProCredit Holding AG stock appears to be undervalued. The current stock price of €8.16 is trading 9.2% below its estimated GF Value™ of €8.99. GuruFocus considers ProCredit Holding AG to be Fairly Valued.

Key valuation signals for XTER:PCZ:

  • EV-to-FCF:
  • GF Value™: €8.99 vs. price of €8.16 (9.2% below fair value)
  • GF Score™: 64/100 with 3 warning signs

No single metric tells the full story. See the XTER:PCZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ProCredit Holding AG Business Description

Address Rohmerplatz 33-37, Frankfurt, DEU, 60486
ProCredit Holding AG provides financial products and services. It performs general banking functions like accepting deposits, providing loans, current and savings accounts, and other banking services. The company's geographical segments are South-Eastern Europe, consisting of seven banks in the following countries: Albania, Bosnia and Herzegovina, Bulgaria (including branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia; Eastern Europe, with three banks located in the following countries, Georgia, Moldova, and Ukraine; South America, consisting of one bank in Ecuador; and Germany, consisting of the ProCredit Bank in Germany, ProCredit Holding, Quipu and the ProCredit Academy in Furth.
64GF Score

Get the complete analysis for XTER:PCZ

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.16
Price
€8.99
GF Value