ProCredit Holding Analysis (March) 2026 | Price, Valuation & Outlook

ProCredit Holding

XTRA:PCZ

€ 7,20

€-0,32 (-4,26%)

7,20 €

€-0,32 (-4,26%)

End-of-day quote: 03/27/2026

ProCredit Holding Stock Value

According to analysts, the current valuation of XTRA:PCZ is Buy.

Buy

ProCredit Holding Company Info

EPS Growth 5Y

20,39%

Market Cap

€0,42 B

Long-Term Debt

€1,28 B

Quarterly earnings

05/12/2026 (E)

Dividend

€0,45

Dividend Yield

6,30%

Founded

1998

Industry

Financials

Country

Germany

Website

ProCredit Holding

ISIN Number

DE0006223407

Website

http://www.procredit-holding.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

€14,75

104.86%

Last Update: 03/30/2026

Analysts: 4

Highest Price Target €18,80

Average Price Target €14,75

Lowest Price Target €13,50

In the last five quarters, ProCredit Holding’s Price Target has fallen from €16,71 to €15,00 - a -10,23% decrease. Two analysts predict that ProCredit Holding’s share price will increase in the coming year, reaching €14,75. This would represent an increase of 104,86%.

Top growth stocks in the financials sector (5Y.)

What does ProCredit Holding do?

ProCredit Holding AG provides commercial banking services for small and medium enterprises and private customers. Business Segments The company organizes its operations into distinct geographical segments, each catering to local market needs while ensuring compliance with respective regulations. The principal segments include Southeast Europe, Eastern Europe, and South America, reflecting the areas of the company’s influence. In Southeast Europe, the company focus on fostering entrepreneurshi...

ProCredit Holding AG provides commercial banking services for small and medium enterprises and private customers.

Business Segments

The company organizes its operations into distinct geographical segments, each catering to local market needs while ensuring compliance with respective regulations. The principal segments include Southeast Europe, Eastern Europe, and South America, reflecting the areas of the company’s influence.

In Southeast Europe, the company focus on fostering entrepreneurship through accessible credit and comprehensive financial education programs. This commitment has proven vital for strengthening local economies by empowering MSMEs, which serve as the backbone of these communities.

In Eastern Europe, the company continues its mission to enhance financial inclusivity, particularly among low-income demographics and underserved communities. By leveraging technology and innovative banking solutions, the company aims to facilitate easier access to financial resources, aiding individuals and businesses in building capacity and resilience against socio-economic challenges.

In South America, the company has focus on capitalizing on burgeoning opportunities within growing markets. The company is dedicated to promoting sustainable business models, emphasizing partnerships that aim for profitability and contribute to social development. This segment particularly involves investments in green technologies and renewable energy, underlining the company's commitment to environmental and social governance.

Business Strategy

The company’s business strategy is primarily centered on sustainable growth and responsible banking practices. The company aims to enhance its market position by focusing on client-centric services designed to meet the diverse needs of micro, small, and medium-sized enterprises across its core markets.

The integration of digital banking solutions is a pivotal aspect of the company's strategy, as it seeks to enhance customer engagement and streamline operational processes. By investing in technology, the company facilitates efficient service delivery to clients, allowing for improved user experiences and greater client outreach. Continuous improvement in digital interfaces aims to attract a younger demographic of clients who increasingly prefer online banking solutions.

Moreover, environmental sustainability is a fundamental component of the company’s mission. The company actively pursues initiatives that promote green technologies and renewable energy projects, recognizing the vital role that sustainable practices play in achieving economic resilience.

Building strong local relationships remains essential for the company. By fostering robust ties with local communities, governments, and business networks, the company nurtures an ecosystem that allows for mutually beneficial partnerships.

Products and Services

The company offers a comprehensive range of banking products and services designed to address the unique needs of its clients. The core product suite includes microloans, small business loans, and various financial service offerings tailored to aspiring entrepreneurs and established MSMEs.

The company provides credit products that cater to diverse business needs, including short-term loans for operational costs, medium-term loans for equipment investments, and long-term financing for expanding operations. Additionally, the company emphasizes the importance of financial education, offering workshops and resources to help clients manage their finances effectively and understand credit dynamics.

For individual customers, the company includes personal banking solutions that encompass savings accounts, personal loans, and mobile banking services.

In addition to traditional banking services, the company is committed to financing sustainable projects. The company's green financial products aim to support investments in energy-efficient technologies, renewable energy projects, and environmentally sustainable business practices.

Geographical Markets Served

The company operates primarily in three key regions: Southeast Europe, Eastern Europe, and South America.

In Southeast Europe, the focus is on countries such as Albania, Kosovo, and North Macedonia, where micro and small enterprises play a critical role in the local economies. The banking operations aim to empower entrepreneurs through accessible finance and comprehensive support services.

In Eastern Europe, markets include countries like Ukraine and Moldova, where the company is dedicated to building strength within vulnerable communities by providing tailored lending solutions and capacity-building programs.

South America represents another strategic focus area for the company, particularly in countries that demonstrate emerging market characteristics with a strong demand for responsible financial services.

Seasonality

The operations of the company experience certain seasonality due to the nature of business financing cycles and regional economic conditions. Generally, demand for loans may be higher during specific periods, such as the beginning of the financial year or before agricultural cycles culminate.

In regions where agricultural businesses dominate, lending peaks during preparations for planting seasons or when businesses require funds for seasonal stock purchases.

Customers

The company serves a diverse clientele that includes micro, small, and medium-sized enterprises, along with individual customers across its operating regions. The clientele is categorized into various sectors, including agriculture, manufacturing, and services.

Sales and Marketing

The company employs a multifaceted approach to marketing and distribution, focuses on building trust and fostering relationships within the communities it serves. The company utilizes direct sales methods, wherein loan officers and relationship managers engage with potential clients to understand their financial needs and promote suitable banking solutions.

In addition to personal outreach, the company leverages digital marketing to reach a broader audience, employing social media campaigns and targeted advertisements to create awareness about its financial products. Partnerships with local organizations and community events also contribute significantly to the company's outreach efforts.

History

The company was founded in 1998. The company was incorporated in 2011. The company was formerly known as Internationale Micro Investitionen AG and changed its name to ProCredit Holding AG.

ProCredit Holding Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by industry:** - **Financial services:** 100% **TOP 3 markets:** - **Germany:** 30% - **Eastern Europe:** 45% - **Latin America:** 15% ProCredit Holding AG is mainly active in the field of financial services, with a focus on providing banking services to small and medium-siz...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites ProCredit Holding AG is a banking group that specializes in financial services and does not manufacture physical products. Therefore, the company does not have production sites in the traditional sense. ProCredit Holding AG focuses on providing ba...

What strategy does ProCredit Holding pursue for future growth?

**Strategy for Future Growth:** 1. **Focus on Sustainability and Green Financing** 2. **Digitalization and Technological Innovations** 3. **Expansion in Emerging Markets** ProCredit Holding AG is strongly committed to sustainability and green financing to ensure future growth. The company has pled...

Which raw materials are imported and from which countries?

**Main Imported Raw Materials/Materials:** Financial services **Countries of Origin:** Various European and international markets ProCredit Holding AG is a banking group that focuses on providing financial services, especially for small and medium-sized enterprises (SMEs) in developing and emergin...

How strong is the company’s competitive advantage?

**Return on Equity:** 8.5% (2025) **Cost-Income Ratio:** 65% (2025) **Market Share in Southeast Europe:** 10% (2025, estimate) ProCredit Holding AG has established itself as a specialized provider of financial services in Southeast Europe and other emerging markets. The company's competiti...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 60% (estimated, based on trends until 2023) **Insider Purchases/Sales:** No specific data available for 2026 The institutional investor share at ProCredit Holding AG has been around 60% in recent years. This figure is based on available information u...

What percentage market share does ProCredit Holding have?

**Market share of ProCredit Holding AG:** Estimate: 2-3% (2026) **Main competitors and their market shares:** 1. **Deutsche Bank AG:** 15% 2. **Commerzbank AG:** 10% 3. **DZ Bank AG:** 8% 4. **KfW Bankengruppe:** 7% 5. **UniCredit Bank AG:** 5% 6. **Landesbank Baden-Württemberg (LBBW):** 4% 7. **Pr...

Is ProCredit Holding stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 10.2% (2025) **Return on Equity:** 9.8% (2025) ProCredit Holding AG recorded solid revenue growth of 8.5% in 2025, attributed to successful expansion into Eastern European markets and increased digitization of its services. The 10.2% profit g...

Does ProCredit Holding pay a dividend – and how reliable is the payout?

**Dividend payment:** Yes, ProCredit Holding AG pays a dividend. **Dividend yield:** 3.5% (2025) ProCredit Holding AG has regularly distributed dividends to its shareholders in recent years. The dividend yield was around 3.5% in 2025, indicating a stable payout policy. The reliability of dividend...

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ProCredit Holding Stock Value

ProCredit Holding Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does ProCredit Holding do?

ProCredit Holding Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

ProCredit Holding Stock Value

ProCredit Holding Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does ProCredit Holding do?

ProCredit Holding Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.