ProCredit Holding AG (XTER:PCZ) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


XTER:PCZ ProCredit Holding AG XTER:PCZ
67 GF Score
Price €8.44
GF Value €8.99
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is ProCredit Holding AG ROC (Joel Greenblatt) %?

ProCredit Holding AG XTER:PCZ +1.69% 67 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates XTER:PCZ with a GF Score™ of 67/100 and a GF Value™ of €8.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 46 Banks companies, ProCredit Holding AG ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

XTER:PCZ
67GF Score
ProCredit Holding AG XTER:PCZ
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
ProCredit Holding AG (XTER:PCZ) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ProCredit Holding AG and its competitors. According to the industry distribution chart, ProCredit Holding AG ranks #999999 out of 46 companies in the Banks industry.
Is ProCredit Holding AG's ROC (Joel Greenblatt) % too high?
ProCredit Holding AG's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, ProCredit Holding AG ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ProCredit Holding AG has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ProCredit Holding AG's ROC (Joel Greenblatt) % compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places ProCredit Holding AG in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ProCredit Holding AG and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ProCredit Holding AG's current ROC (Joel Greenblatt) % is %. 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 €8.44 — trading 6.1% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. ProCredit Holding AG's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For ProCredit Holding AG (XTER:PCZ), the current ROC (Joel Greenblatt) % is % 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 €8.44 is trading 6.1% below its estimated GF Value™ of €8.99. GuruFocus considers ProCredit Holding AG to be Fairly Valued.

Key valuation signals for XTER:PCZ:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €8.99 vs. price of €8.44 (6.1% below fair value)
  • GF Score™: 67/100 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.
67GF Score

Get the complete analysis for XTER:PCZ

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.44
Price
€8.99
GF Value