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ProCredit Holding AGXTER:PCZ +0.24%67 5-Year Yield-on-Cost % is 5.69 as of Jul. 17, 2026, which is 11% above its 10-year median of 5.11. GuruFocus rates XTER:PCZ with a GF Score™ of 67/100 and a GF Value™ of €9.00 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,255 Banks companies, ProCredit Holding AG ranks better than 69.96% on this metric.
ProCredit Holding AG's yield on cost for the quarter that ended in Mar. 2026 was 5.69.
The historical rank and industry rank for ProCredit Holding AG's 5-Year Yield-on-Cost % or its related term are showing as below:
XTER:PCZ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.09 Med: 5.11 Max: 15.27
Current: 5.69
During the past 13 years, ProCredit Holding AG's highest Yield on Cost was 15.27. The lowest was 2.09. And the median was 5.11.
XTER:PCZ's 5-Year Yield-on-Cost % is ranked better than 69.96% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs XTER:PCZ: 5.69
ProCredit Holding AG (XTER:PCZ) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
ProCredit Holding AG 5-Year Yield-on-Cost % Related Terms
XTER:PCZ vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, ProCredit Holding AG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, ProCredit Holding AG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where ProCredit Holding AG's 5-Year Yield-on-Cost % falls into.
ProCredit Holding AG 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
ProCredit Holding AG (XTER:PCZ) has a 5-Year Yield-on-Cost % of 5.69 as of Jul. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ProCredit Holding AG and its competitors. This is 11% above median its historical median of 5.11. Over the past decade, ProCredit Holding AG's 5-Year Yield-on-Cost % has ranged from 2.09 to 15.27. According to the industry distribution chart, ProCredit Holding AG ranks #377 out of 1255 companies in the Banks industry, placing it in the top 30%.
Is ProCredit Holding AG's 5-Year Yield-on-Cost % too high?
ProCredit Holding AG's current 5-Year Yield-on-Cost % of 5.69 is 11% above median its 10-year median of 5.11. Over the past 10 years, this metric has ranged from a low of 2.09 to a high of 15.27. The Banks industry median 5-Year Yield-on-Cost % is 3.85. ProCredit Holding AG's value of 5.69 is 47.8% above this industry median. Based on the distribution chart, ProCredit Holding AG ranks #377 out of 1255 companies in the Banks industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #377 out of 1255 companies for 5-Year Yield-on-Cost %. This puts ProCredit Holding AG in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. ProCredit Holding AG's value of 5.69 is 47.8% above this benchmark. Historically, ProCredit Holding AG's own 5-Year Yield-on-Cost % has ranged from 2.09 to 15.27 over the past decade. While the company's 10-year median is 5.11 vs. the industry median of 3.85, ProCredit Holding AG has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ProCredit Holding AG's current 5-Year Yield-on-Cost % of 5.69 is 47.8% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ProCredit Holding AG and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ProCredit Holding AG's current 5-Year Yield-on-Cost % is 5.69, which is 11% above median its own 10-year median of 5.11. 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 €9.00, compared to a current price of €8.28 — trading 8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.69, which is 11% above median its 10-year median of 5.11 and 47.8% above the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For ProCredit Holding AG (XTER:PCZ), the current 5-Year Yield-on-Cost % is 5.69 as of Jul. 17, 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 €8.28 is trading 8% below its estimated GF Value™ of €9.00.
GuruFocus considers ProCredit Holding AG to be Fairly Valued.
Key valuation signals for XTER:PCZ:
5-Year Yield-on-Cost %: 5.69 (11% above median its 10-year median of 5.11)
GF Value™: €9.00 vs. price of €8.28 (8% below fair value)
Industry Position: 47.8% above the Banks median (#377 of 1255)
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.
67GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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