ProCredit Holding AG

XTRA:PCZ Stock Report

Market Cap: €437.6m

ProCredit Holding Future Growth

Future criteria checks 3/6

ProCredit Holding is forecast to grow earnings and revenue by 19% and 10.2% per annum respectively. EPS is expected to grow by 18.9% per annum. Return on equity is forecast to be 11.6% in 3 years.

Key information

19.0%

Earnings growth rate

18.93%

EPS growth rate

Banks earnings growth8.2%
Revenue growth rate10.2%
Future return on equity11.57%
Analyst coverage

Low

Last updated01 Jun 2026

Recent future growth updates

Analysis Article • Mar 24

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...

Recent updates

Narrative Update • May 25

PCZ: Stable Profitability And Dividend Prospects Should Support Future Re Rating

Analysts now estimate ProCredit Holding's fair value at €15.90, reduced from €18.80. This revision reflects updated assumptions for revenue growth, profit margins and future P/E multiples, together with recently published bullish Street research.
Narrative Update • Apr 17

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.
Analysis Article • Mar 24

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...
Narrative Update • Feb 05

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.
Narrative Update • Aug 27

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.
Analysis Article • Apr 24

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...
User avatar
New Narrative • Feb 07

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.
Analysis Article • May 01

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...
Analysis Article • Sep 05

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...
Analysis Article • Jun 07

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...
Analysis Article • Nov 25

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...
Analysis Article • Sep 03

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...
Analysis Article • Aug 17

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...

Earnings and Revenue Growth Forecasts

XTRA:PCZ - Analysts future estimates and past financials data (EUR Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2028586145N/AN/A3
12/31/2027526115N/AN/A3
12/31/202647378N/AN/A3
12/31/202542983-989-947N/A
9/30/202543178N/AN/AN/A
6/30/202545094-1,285-1,244N/A
3/31/202545196N/AN/AN/A
12/31/2024451104-1,251-1,210N/A
9/30/2024434104N/AN/AN/A
6/30/2024423107-763-735N/A
3/31/2024414117N/AN/AN/A
12/31/2023399113-473-445N/A
9/30/202336393N/AN/AN/A
6/30/2023327732950N/A
3/31/202328948N/AN/AN/A
12/31/202223916-198-177N/A
9/30/202224735N/AN/AN/A
6/30/202225751-626-609N/A
3/31/202226362N/AN/AN/A
12/31/202128080-527-510N/A
9/30/202126170N/AN/AN/A
6/30/202124456-442-413N/A
3/31/202122843N/AN/AN/A
12/31/202022641-462-432N/A
9/30/202024249N/AN/AN/A
6/30/202025258-276-256N/A
3/31/202025861N/AN/AN/A
12/31/201925760-266-246N/A
9/30/201925060N/AN/AN/A
6/30/201924356N/A-217N/A
3/31/201924458N/AN/AN/A
12/31/201824660N/A-230N/A
9/30/201824154N/AN/AN/A
6/30/201824254N/A-107N/A
3/31/201824751N/AN/AN/A
1/1/201825046N/A-65N/A
9/30/201725645N/AN/AN/A
6/30/201725642N/A-224N/A
3/31/201726145N/AN/AN/A
12/31/201626145N/A-92N/A
9/30/201625541N/A24N/A
6/30/201625739N/A25N/A
3/31/201624833N/A45N/A
12/31/201526637N/A-56N/A
9/30/201535054N/A-51N/A
6/30/201536953N/A-160N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: PCZ's forecast earnings growth (19% per year) is above the savings rate (1.9%).

Earnings vs Market: PCZ's earnings (19% per year) are forecast to grow faster than the German market (17.3% per year).

High Growth Earnings: PCZ's earnings are forecast to grow, but not significantly.

Revenue vs Market: PCZ's revenue (10.2% per year) is forecast to grow faster than the German market (6.7% per year).

High Growth Revenue: PCZ's revenue (10.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: PCZ's Return on Equity is forecast to be low in 3 years time (11.6%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/05 22:33
End of Day Share Price 2026/06/05 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Marius FuhrbergBerenberg
Milosz PapstEdison Investment Research
Knud HinkelPareto Securities