ProCredit Holding AG (PCZ) AI Stock Analysis

• Market Cap: €468.83M
• Dividend Yield: 7.13%
• Average Volume (3M): 118.91K
• Price to Earnings (P/E): 4.9
• Beta (1Y): 0.98
• Revenue Growth: 2.31%
• EPS Growth: -25.41%
• Country: DE
• Employees: 4,530
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.43
• Shares Outstanding: 58,898,490
• 10 Day Avg. Volume: 131,803
• 30 Day Avg. Volume: 118,910
• PEG Ratio: -0.30
• Price to Book (P/B): 0.46
• Price to Sales (P/S): 0.66
• P/FCF Ratio: -3.52
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €15.50
• Price Target Upside: 81.50% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.54
• Revenue Forecast (FY): €476.03M

• Rating: 53 Neutral
• Price Target: €8.00 ▼(-6.32% Downside)
• Action: Reiterated Date: 03/24/26
• Date: Action: Reiterated 03/24/26

The score is held back primarily by weak cash flow (negative operating and free cash flow) and a meaningful recent increase in debt, alongside deteriorating latest-year revenue and earnings momentum. Valuation is a key offset with a low P/E and high dividend yield, but technicals remain bearish with the price below all major moving averages and negative MACD.

Positive Factors

MSME-focused banking franchise

A focused franchise serving MSMEs in emerging Eastern and Southeastern Europe creates durable deposit relationships and recurring loan demand. Specialized local underwriting and payments services deliver sticky client ties and structural credit demand that support steady net interest and fee income over time.

Negative Factors

Negative operating and free cash flow

Sustained negative operating and free cash flow reduces internal funding for lending, capital expenditures and dividends, forcing reliance on external funding. Over months, this weakens financial flexibility, raises refinancing needs and increases sensitivity to market funding conditions in core markets.

ProCredit Holding AG Business Overview & Revenue Model

Company Description

ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's financial products; business loans fo...

Read more

ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's financial products; business loans fo...

How the Company Makes Money

ProCredit Holding AG makes money primarily through its banking subsidiaries by earning net interest income and fee and commission income. 1) Net interest income (core earnings driver): The group collects customer deposits and other funding and us...

Read more

ProCredit Holding AG makes money primarily through its banking subsidiaries by earning net interest income and fee and commission income. 1) Net interest income (core earnings driver): The group collects customer deposits and other funding and us...

ProCredit Holding AG Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	984.20M	750.83M	692.08M	625.68M	478.44M	390.74M
Gross Profit	746.69M	497.91M	461.15M	432.38M	358.75M	302.32M
EBITDA	135.10M	130.32M	167.82M	187.36M	152.33M	125.21M
Net Income	93.73M	83.50M	104.31M	113.37M	16.50M	79.64M
Balance Sheet
Total Assets	10.71B	11.60B	10.75B	9.75B	8.83B	8.22B
Cash, Cash Equivalents and Short-Term Investments	1.91B	2.17B	2.16B	2.35B	1.94B	1.55B
Total Debt	444.09M	1.32B	377.80M	313.03M	309.98M	460.62M
Total Liabilities	9.68B	10.52B	9.70B	8.77B	7.96B	7.36B
Stockholders Equity	1.04B	1.07B	1.06B	983.79M	869.43M	856.31M
Cash Flow
Free Cash Flow	0.00	-141.13M	-217.78M	1.41M	545.71M	115.66M
Operating Cash Flow	0.00	-99.77M	-176.75M	29.26M	566.94M	133.15M
Investing Cash Flow	0.00	-823.09M	-35.98M	-22.42M	-12.48M	-13.44M
Financing Cash Flow	0.00	770.65M	54.85M	1.01B	-1.30M	-36.01M

ProCredit Holding AG Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 8.54
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:PCZ, the sentiment is Neutral. The current price of 8.54 is above the 20-day moving average (MA) of 7.73, above the 50-day MA of 8.16, and below the 200-day MA of 8.65, indicating a neutral trend. The MACD of -0.17 indicates Negative momentum. The RSI at 53.39 is Neutral, neither overbought nor oversold. The STOCH value of 71.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:PCZ.

ProCredit Holding AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DBK	69 Neutral	€51.52B	9.34	8.87%	2.04%	-8.53%	62.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBK	57 Neutral	€38.71B	15.51	7.86%	1.82%	-2.40%	19.42%
PCZ	53 Neutral	€468.83M	4.91	7.88%	7.13%	2.31%	-25.41%
GLJ	49 Neutral	€604.44M	9.90	5.31%	2.63%	16.74%	-22.66%
UBK	44 Neutral	€160.62M	13.15	1.61%	―	―	―
PBB	42 Neutral	€422.79M	-2.00	-10.36%	3.61%	-14.47%	-542.84%