ProCredit Holding (PCZ) Stock Overview
Provides commercial banking products and services for small and medium enterprises and private clients in Europe, South America, and Germany. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
PCZ Community Fair Values
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Analyst Price Targets
ProCredit Holding AG Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €8.04 |
| 52 Week High | €10.75 |
| 52 Week Low | €6.90 |
| Beta | 1.36 |
| 1 Month Change | -7.90% |
| 3 Month Change | -4.74% |
| 1 Year Change | -22.69% |
| 3 Year Change | 33.11% |
| 5 Year Change | -6.73% |
| Change since IPO | -38.18% |
Recent News & Updates
Recent updates
PCZ: Future Earnings Power Should Outweigh Higher Discount Rate Assumptions
Analysts have kept their average price target for ProCredit Holding steady at €18.80, reflecting slightly adjusted assumptions on discount rate, revenue growth, profit margin and future P/E following fresh research, including a bullish initiation from Berenberg. Analyst Commentary Recent bullish analysts highlight that the steady average price target of €18.80 reflects confidence that the latest research adjustments on discount rate, revenue growth, profit margin and future P/E still support the current valuation framework.ProCredit Holding AG (ETR:PCZ) Just Released Its Full-Year Earnings: Here's What Analysts Think
ProCredit Holding AG ( ETR:PCZ ) shareholders are probably feeling a little disappointed, since its shares fell 4.2% to...PCZ: Future Revenue Expectations Will Outweigh Index Removal Risk
Analysts have adjusted their fair value estimate for ProCredit Holding from €20.00 to €18.80. The change reflects updated views on revenue growth, profit margin expectations, the discount rate and the forward P/E multiple.
Expanding Smaller Banks And Ukraine Operations Will Broaden Reach
The downward revision in ProCredit Holding’s Price Target reflects reduced optimism on growth, as indicated by lower revenue growth forecasts and a declining future P/E, with the consensus price target now at €16.00. What's in the News ProCredit Holding AG's 2025 AGM approved a dividend of EUR 0.59 per ordinary share, distributing EUR 34.8 million for the 2024 financial year, in line with a policy to pay out one third of consolidated results as dividends.ProCredit Holding (ETR:PCZ) Has Announced That Its Dividend Will Be Reduced To €0.59
ProCredit Holding AG ( ETR:PCZ ) has announced that on 9th of June, it will be paying a dividend of€0.59, which a...
Bank Will Expand In Eastern Europe, Diversifying Lending Portfolio
Strategic focus on expanding small banks and granular loans aims to boost revenue by diversifying the lending portfolio.Growth Investors: Industry Analysts Just Upgraded Their ProCredit Holding AG (ETR:PCZ) Revenue Forecasts By 12%
ProCredit Holding AG ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making substantial...These Analysts Think ProCredit Holding AG & Co. KGaA's (ETR:PCZ) Sales Are Under Threat
The analysts covering ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) delivered a dose of negativity to shareholders today...Analysts Just Published A Bright New Outlook For ProCredit Holding AG & Co. KGaA's (ETR:PCZ)
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...Analysts Are Betting On ProCredit Holding AG & Co. KGaA (ETR:PCZ) With A Big Upgrade This Week
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...The ProCredit Holding AG & Co. KGaA (ETR:PCZ) Analysts Have Been Trimming Their Sales Forecasts
One thing we could say about the analysts on ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) - they aren't optimistic...News Flash: Analysts Just Made A Meaningful Upgrade To Their ProCredit Holding AG & Co. KGaA (ETR:PCZ) Forecasts
ProCredit Holding AG & Co. KGaA ( ETR:PCZ ) shareholders will have a reason to smile today, with the analysts making...Shareholder Returns
| PCZ | DE Banks | DE Market | |
|---|---|---|---|
| 7D | 0.1% | 0.3% | 0.6% |
| 1Y | -22.7% | 30.5% | 0.2% |
Return vs Industry: PCZ underperformed the German Banks industry which returned 30.6% over the past year.
Return vs Market: PCZ underperformed the German Market which returned -0.1% over the past year.
Price Volatility
| PCZ volatility | |
|---|---|
| PCZ Average Weekly Movement | 4.9% |
| Banks Industry Average Movement | 4.1% |
| Market Average Movement | 6.1% |
| 10% most volatile stocks in DE Market | 13.2% |
| 10% least volatile stocks in DE Market | 2.7% |
Stable Share Price: PCZ has not had significant price volatility in the past 3 months compared to the German market.
Volatility Over Time: PCZ's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1998 | 4,609 | Eriola Bibolli | www.procredit-holding.com |
ProCredit Holding AG, together with its subsidiaries, provides commercial banking products and services for small and medium enterprises and private clients 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.
ProCredit Holding AG Fundamentals Summary
| PCZ fundamental statistics | |
|---|---|
| Market cap | €473.54m |
| Earnings (TTM) | €83.45m |
| Revenue (TTM) | €429.08m |
Is PCZ overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PCZ income statement (TTM) | |
|---|---|
| Revenue | €429.08m |
| Cost of Revenue | €0 |
| Gross Profit | €429.08m |
| Other Expenses | €345.63m |
| Earnings | €83.45m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Aug 13, 2026
| Earnings per share (EPS) | 1.42 |
| Gross Margin | 100.00% |
| Net Profit Margin | 19.45% |
| Debt/Equity Ratio | 119.3% |
How did PCZ perform over the long term?
See historical performance and comparisonDividends
Does PCZ pay a reliable dividends?
See PCZ dividend history and benchmarks| ProCredit Holding dividend dates | |
|---|---|
| Ex Dividend Date | Jun 04 2026 |
| Dividend Pay Date | Jun 08 2026 |
| Days until Ex dividend | 13 days |
| Days until Dividend pay date | 17 days |
Does PCZ pay a reliable dividends?
See PCZ dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/21 01:53 |
| End of Day Share Price | 2026/05/21 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
ProCredit Holding AG is covered by 5 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Marius Fuhrberg | Berenberg |
| Milosz Papst | Edison Investment Research |
| Knud Hinkel | Pareto Securities |