PCZ Share Price Performance
€8.72
0.80 (10.10%)
45.5% undervalued intrinsic discount
€16.00
Fair Value
Price €8.72
AnalystConsensusTarget €16.00
AnalystHighTarget €20.00
AnalystLowTarget €14.00
Fair Value€16.00
Share Pricen/a
ProCredit Holding AG Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 38 Fair Values set on narratives written by author
PCZ Community Narratives
AN
Fair Value €16 45.5% undervalued intrinsic discount
Digital Transformation And Retail Lending Will Unlock Eastern Market Potential
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AN
Fair Value €20 56.4% undervalued intrinsic discount
Digital Banking And ESG Trends Will Unlock Eastern Europe
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AN
Fair Value €14 37.7% undervalued intrinsic discount
Geopolitical Instability And Pressures Will Squeeze Margins But Mitigate Risk
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Digital Banking And ESG Trends Will Unlock Eastern Europe
Key Takeaways Rapid digital transformation and strong presence in underserved markets position ProCredit for accelerated loan growth, expanding margins, and superior fee income. Deep ESG integration and favorable market trends unlock new capital, lower funding costs, and support sustained outperformance in earnings and valuation.Read more
15
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AN
€20
56.4% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
8.38% p.a.
Profit Margin
34.17%
Future PE
7.09x
Price in 2028
€23.68
Digital Transformation And Retail Lending Will Unlock Eastern Market Potential
Key Takeaways Digital transformation and SME lending expansion in underpenetrated European markets drive customer growth, revenue, and improved asset yields. Sustainable financing and a retail deposit focus support lower costs, higher margins, and position ProCredit for future profitability and ESG-driven opportunities.Read more
90
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AN
€16
45.5% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
8.21% p.a.
Profit Margin
28.74%
Future PE
6.75x
Price in 2028
€18.89
Geopolitical Instability And Pressures Will Squeeze Margins But Mitigate Risk
Key Takeaways Expansion in underbanked markets and digitalization faces threats from geopolitical instability, regulatory changes, and growing fintech competition, pressuring revenue and margins. SME and sustainable finance focus creates growth avenues but exposes the bank to compliance burdens, operational risks, and dependence on uncertain macroeconomic conditions.Read more
7
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AN
€14
37.7% undervalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
8.28% p.a.
Profit Margin
26.9%
Future PE
6.3x
Price in 2028
€16.53
Trending Discussion
Recently Updated Narratives
AN
Digital Transformation And Retail Lending Will Unlock Eastern Market Potential
Fair Value: €16 45.5% undervalued intrinsic discount
20 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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AN
Geopolitical Instability And Pressures Will Squeeze Margins But Mitigate Risk
Fair Value: €14 37.7% undervalued intrinsic discount
0 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Digital Banking And ESG Trends Will Unlock Eastern Europe
Fair Value: €20 56.4% undervalued intrinsic discount
1 followerusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
ProCredit Holding AG Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
Mar 19, 2026
- 1.32
- 100.00%
- 18.02%
- 123.3%
About PCZ
- Founded
- 1998
- Employees
- 4610
- CEO
- WebsiteView website
ProCredit Holding AG, together with its subsidiaries, provides commercial banking products and services for small and medium enterprises and private customers in Europe, South America, and Germany. The company accepts various deposits, including current, savings, and term deposit accounts. It also offers business loans for wholesale and retail trade; agriculture; forestry and fishing; production; transportation and storage; construction and real estate; hotel, restaurant, and catering; electricity, gas, steam, and air conditioning supply; and other activities, as well as investment and green loans; and private loans, such as housing, investment, and consumer loans. The company was formerly known as Internationale Micro Investitionen AG. ProCredit Holding AG was founded in 1998 and is based in Frankfurt am Main, Germany.
