ProCredit Holding AGXTER:PCZ -0.24%64 PB Ratio is 0.44 as of Jul. 01, 2026, which is 17% below its 10-year median of 0.53. GuruFocus rates XTER:PCZ with a GF Score™ of 64/100 and a GF Value™ of €8.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, ProCredit Holding AG ranks better than 90.77% on this metric.
The historical rank and industry rank for ProCredit Holding AG's PB Ratio or its related term are showing as below:
XTER:PCZ'
s PB Ratio Range Over the Past 10 Years
Min: 0.17 Med: 0.53 Max: 1.51
Current: 0.44
During the past 13 years, ProCredit Holding AG's highest PB Ratio was 1.51. The lowest was 0.17. And the median was 0.53.
XTER:PCZ's PB Ratio is ranked better than 90.77% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs XTER:PCZ: 0.44
During the past 12 months, ProCredit Holding AG's average Book Value Per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of ProCredit Holding AG was 10.20% per year. The lowest was 3.10% per year. And the median was 5.60% per year.
Back to Basics: PB Ratio
ProCredit Holding AG (XTER:PCZ) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
ProCredit Holding AG PB Ratio Related Terms
ProCredit Holding AG PB Ratio Historical Data
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The historical data trend for ProCredit Holding AG's PB 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.
For the Banks - Diversified subindustry, ProCredit Holding AG's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ProCredit Holding AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where ProCredit Holding AG's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
ProCredit Holding AG (XTER:PCZ) has a PB Ratio of 0.44 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ProCredit Holding AG and its competitors. This is 17% below median its historical median of 0.53. Over the past decade, ProCredit Holding AG's PB Ratio has ranged from 0.17 to 1.51. According to the industry distribution chart, ProCredit Holding AG ranks #140 out of 1517 companies in the Banks industry, placing it in the top 9.2%.
Is ProCredit Holding AG's PB Ratio too high?
ProCredit Holding AG's current PB Ratio of 0.44 is 17% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 1.51. The Banks industry median PB Ratio is 1.09. ProCredit Holding AG's value of 0.44 is 59.6% below this industry median. Based on the distribution chart, ProCredit Holding AG ranks #140 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #140 out of 1517 companies for PB Ratio. This places ProCredit Holding AG in the top 9% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. ProCredit Holding AG's value of 0.44 is 59.6% below this benchmark. Historically, ProCredit Holding AG's own PB Ratio has ranged from 0.17 to 1.51 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 1.09, ProCredit Holding AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ProCredit Holding AG's current PB Ratio of 0.44 is 59.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on ProCredit Holding AG and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ProCredit Holding AG's current PB Ratio is 0.44, which is 17% below median its own 10-year median of 0.53. 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 PB Ratio is 0.44, which is 17% below median its 10-year median of 0.53 and 59.6% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For ProCredit Holding AG (XTER:PCZ), the current PB Ratio is 0.44 as of Jul. 01, 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:
PB Ratio: 0.44 (17% below median its 10-year median of 0.53)
GF Value™: €8.99 vs. price of €8.16 (9.2% below fair value)
Industry Position: 59.6% below the Banks median (#140 of 1517)
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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