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ProCredit Holding AG & Co. KGaA (PCZ.DE)
Frankfurt am Main, DE
ProCredit Holding AG & Co. KGaA, along with its group entities, delivers a full spectrum of commercial banking solutions, catering to both small and medium-sized businesses (SMEs) and individual clients. Its operations span across Europe, South America, and its home country of Germany. The institution provides diverse financial products, encompassing business loans for various sectors like wholesale and retail trade, agriculture, forestry, fishing, manufacturing, transportation, storage, and other industries. These business financing options include capital for investments, working capital needs, and environmentally friendly "green" initiatives. For private individuals, ProCredit extends personal credit, including housing and investment loans, among other consumer finance solutions. Beyond lending, the bank manages various deposit accounts (current, savings, and time deposits), offers modern digital and mobile banking platforms, facilitates card payment services, and provides flexible credit facilities such as lines of credit and overdrafts. Established in 1998 in Frankfurt am Main, Germany, the company originally operated as Internationale Micro Investitionen AG before adopting its current name.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.50% | +1.01% | -3.95% | -3.72% | +7.07% | -5.97% | -25.65% | +33.39% | -7.70% | -38.28% | -38.28% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+8.5% Q1'26: -51.0% (vs Q1'25)
-
EPS growth-19.8% Q1'26: -14.0% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +0.0% (vs Q1'25)
-
ROIC—
-
Share dilution+0.0% Q1'26: +0.5% (vs Q1'25)
-
Debt / EBITDA—
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 4 EPS Ana. |
Dec 2029 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
344.73M
est: 242.59M (+42.1%)
|
383.37M
est: 248.05M (+54.6%)
|
373.44M
est: 243.18M (+53.6%)
|
390.74M
est: 273.21M (+43.0%)
|
478.44M
est: 270.68M (+76.8%)
|
625.68M
est: 422.15M (+48.2%)
|
692.08M
est: 429.16M (+61.3%)
|
750.83M
est: 433.25M (+73.3%)
|
476.62M
469.59M – 482.02M
+10.0% YoY
|
530.19M
528.48M – 531.84M
+11.2% YoY
|
587.23M
586.94M – 587.52M
+10.8% YoY
|
651.00M
645.35M – 655.56M
+10.9% YoY
|
| EBITDA |
94.16M
est: 71.01M (+32.6%)
|
100.80M
est: 175.48M (-42.6%)
|
105.59M
est: 194.56M (-45.7%)
|
125.21M
est: 200.32M (-37.5%)
|
152.33M
est: 218.74M (-30.4%)
|
187.36M
est: 114.35M (+63.9%)
|
167.82M
est: 116.25M (+44.4%)
|
130.32M
est: 117.35M (+11.0%)
|
129.10M
127.20M – 130.56M
+10.0% YoY
|
143.61M
143.15M – 144.06M
+11.2% YoY
|
159.06M
158.98M – 159.14M
+10.8% YoY
|
176.34M
174.81M – 177.57M
+10.9% YoY
|
| EBIT |
77.53M
est: 42.23M (+83.6%)
|
76.87M
est: 78.88M (-2.6%)
|
52.09M
est: 73.92M (-29.5%)
|
94.53M
est: 76.11M (+24.2%)
|
17.85M
est: 83.11M (-78.5%)
|
150.02M
est: 73.59M (+103.8%)
|
146.68M
est: 74.82M (+96.1%)
|
105.65M
est: 75.53M (+39.9%)
|
83.09M
81.86M – 84.03M
+10.0% YoY
|
92.43M
92.13M – 92.72M
+11.2% YoY
|
102.37M
102.32M – 102.42M
+10.8% YoY
|
113.49M
112.50M – 114.28M
+10.9% YoY
|
| Net Income |
52.79M
est: 54.50M (-3.1%)
|
52.61M
est: 53.71M (-2.1%)
|
41.40M
est: 50.59M (-18.2%)
|
79.64M
est: 52.09M (+52.9%)
|
16.50M
est: 72.86M (-77.4%)
|
113.37M
est: 106.91M (+6.0%)
|
104.31M
est: 104.09M (+0.2%)
|
83.50M
est: 81.66M (+2.3%)
|
78.44M
77.51M – 79.83M
-3.9% YoY
|
115.95M
110.01M – 123.21M
+47.8% YoY
|
144.83M
131.34M – 161.84M
+24.9% YoY
|
184.06M
181.98M – 185.73M
+27.1% YoY
|
| SGA |
89.70M
est: 40.43M (+121.8%)
|
95.55M
est: 189.63M (-49.6%)
|
87.13M
est: 194.78M (-55.3%)
|
90.76M
est: 200.55M (-54.7%)
|
61.68M
est: 218.99M (-71.8%)
|
71.23M
est: 68.54M (+3.9%)
|
86.54M
est: 260.51M (-66.8%)
|
158.99M
est: 70.35M (+126.0%)
|
77.39M
76.25M – 78.26M
+10.0% YoY
|
86.09M
85.81M – 86.35M
+11.2% YoY
|
95.35M
95.30M – 95.39M
+10.8% YoY
|
105.70M
104.78M – 106.44M
+10.9% YoY
|
| EPS |
0.90
est: 0.93 (-2.7%)
|
0.89
est: 0.89 (+0.5%)
|
0.70
est: 0.67 (+4.5%)
|
1.35
est: 1.40 (-3.4%)
|
0.28
est: 0.39 (-28.2%)
|
1.92
est: 1.82 (+5.8%)
|
1.77
est: 1.77 (+0.0%)
|
1.42
est: 1.39 (+2.4%)
|
1.33
1.32 – 1.36
-3.9% YoY
|
1.97
1.87 – 2.09
+47.7% YoY
|
2.46
2.23 – 2.75
+25.1% YoY
|
3.13
3.09 – 3.15
+26.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.27% | 246.5K | 0.38% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.27% | 246.5K | 0.38% |
| 3 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.08% | 341.2K | 0.48% |
| 4 | WisdomTree International SmallCap Dividend Fund DLS | 0.08% | 820.6K | 0.58% |
| 5 | Avantis International Small Cap Value ETF AVDV | 0.01% | 2.72M | 0.36% |
| 6 | Dimensional - International Small Cap Value ETF DISV | 0.01% | 593.2K | 0.42% |
| 7 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 21.9K | 0.30% |
| 8 | Dimensional - International Small Cap ETF DFIS | 0.01% | 328.2K | 0.39% |
| 9 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.00% | 53.4K | 0.39% |
| 10 | WisdomTree Europe Equity Income UCITS ETF Acc EEIA.L | 0.00% | 10.3K | 0.29% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eriola Bibolli | Chairman of Management Board | 429.0K | female |
| Christian Dagrosa | Member of Management Board | 372.0K | male |
| Christoph Beeck | Member of Management Board | 372.0K | male |
| Georgios Chatzis | Chief Risk Officer & Member of Management Board | 330.6K | male |
| Martin Godemann | Head of Group Funding | — | male |
| Rossana Mazzilli | Chief Legal Counsel | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PCZ.DE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
