The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. ProCredit Holding AG's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.00.
The historical rank and industry rank for ProCredit Holding AG's Dividend Payout Ratio or its related term are showing as below:
XTER:PCZ'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25 Med: 0.36 Max: 0.43
Current: 0.43
During the past 13 years, the highest Dividend Payout Ratio of ProCredit Holding AG was 0.43. The lowest was 0.25. And the median was 0.36.
XTER:PCZ's Dividend Payout Ratio is ranked worse than 67.32% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs XTER:PCZ: 0.43
During the past 13 years, the highest Trailing Annual Dividend Yield of ProCredit Holding AG was 15.27%. The lowest was 2.09%. And the median was 5.04%.
During the past 12 months, ProCredit Holding AG's average Dividends Per Share Growth Rate was -7.80% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of ProCredit Holding AG was 25.20% per year. The lowest was 6.50% per year. And the median was 15.85% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
ProCredit Holding AG (XTER:PCZ) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
ProCredit Holding AG Dividend Payout Ratio Related Terms
ProCredit Holding AG Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for ProCredit Holding AG's Dividend Payout Ratio 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.
XTER:PCZ vs JPM, BAC, WFC: Dividend Payout Ratio Comparison
For the Banks - Diversified subindustry, ProCredit Holding AG's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ProCredit Holding AG's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where ProCredit Holding AG's Dividend Payout Ratio falls into.
ProCredit Holding AG Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
ProCredit Holding AG's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (XTER:PCZ) has a Dividend Payout Ratio of 0.00 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on ProCredit Holding AG and its competitors. Over the past decade, ProCredit Holding AG's Dividend Payout Ratio has ranged from 0.25 to 0.43. According to the industry distribution chart, ProCredit Holding AG ranks #787 out of 1169 companies in the Banks industry, placing it in the top 67.3%.
Is ProCredit Holding AG's Dividend Payout Ratio too high?
ProCredit Holding AG's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.43. Based on the distribution chart, ProCredit Holding AG ranks #787 out of 1169 companies in the Banks industry, which is below the industry midpoint. Overall, ProCredit Holding AG has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ProCredit Holding AG's Dividend Payout Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #787 out of 1169 companies for Dividend Payout Ratio. This places ProCredit Holding AG in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, ProCredit Holding AG's own Dividend Payout Ratio has ranged from 0.25 to 0.43 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on ProCredit Holding AG and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ProCredit Holding AG's current Dividend Payout Ratio is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ProCredit Holding AG stock overvalued right now?
Based on GuruFocus' analysis, ProCredit Holding AG (XTER:PCZ) is currently considered Fairly Valued. The stock's GF Value™ is €8.99, compared to a current price of €8.16 — trading 9.2% below its estimated fair value. The current Dividend Payout Ratio is 0.00. ProCredit Holding AG's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For ProCredit Holding AG (XTER:PCZ), the current Dividend Payout Ratio is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
Dividend Payout Ratio: 0.00
GF Value™: €8.99 vs. price of €8.16 (9.2% below fair value)
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 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
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