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1. Company Snapshot

1.a. 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 for wholesale and retail trade, agriculture, forestry and fishing, production, transportation and storage, and other activities, as well as investment, working capital, and green loans; and private loans, such as housing, investment, and other loans.It also offers current, savings, and term deposit accounts; mobile and electronic banking services; and card payment services, as well as grants credit lines and overdrafts.


The company was formerly known as Internationale Micro Investitionen AG and changed its name to ProCredit Holding AG & Co. KGaA.ProCredit Holding AG & Co. KGaA was founded in 1998 and is based in Frankfurt am Main, Germany.

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1.b. Last Insights on PCZ

ProCredit Holding AG & Co. KGaA faced challenges in recent months, with its Q2 2025 earnings report revealing potential headwinds. Despite a favorable European market backdrop, characterized by easing trade tensions and optimism over U.S. interest rate cuts, the company's financials may be impacted by cautious optimism and renewed trade concerns. With a focus on stability and income, investors may reevaluate their positions. According to recent reports, European markets showed resilience, but dividend stocks, including ProCredit Holding, must navigate these conditions to maintain investor appeal.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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ProCredit Holding AG: Change in the Composition of the Management Board at Year-end

Nov -18

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Top European Dividend Stocks To Consider In November 2025

Nov -11

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ProCredit Holding (XTRA:PCZ) Is Down 18.0% After Lowering 2025 Return on Equity Guidance

Nov -01

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Top 3 European Dividend Stocks In October 2025

Oct -03

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3 European Dividend Stocks Yielding Up To 6.7%

Aug -21

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ProCredit Holding Reports Second Quarter 2025 Earnings

Aug -15

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3 European Dividend Stocks With Up To 6% Yield

Jul -09

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Investors in ProCredit Holding (ETR:PCZ) have seen solid returns of 208% over the past three years

Jul -03

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.43%)

6. Segments

Banking and Related Activities

Expected Growth: 7.43%

ProCredit Holding's 7.43% growth in Banking and Related Activities is driven by increasing lending to micro, small and medium-sized enterprises, expansion into Eastern European markets, and a focus on digitalization, resulting in improved operational efficiency and cost savings. Additionally, the company's commitment to responsible banking practices and strong risk management has contributed to its growth.

7. Detailed Products

Corporate Banking

ProCredit Holding AG & Co. KGaA offers corporate banking services to businesses, providing financing solutions, cash management, and trade finance.

Retail Banking

ProCredit Holding AG & Co. KGaA provides retail banking services to individuals, including current and savings accounts, credit cards, and personal loans.

Microfinance

ProCredit Holding AG & Co. KGaA offers microfinance services to small businesses and entrepreneurs, providing access to capital and financial services.

Savings and Deposits

ProCredit Holding AG & Co. KGaA offers a range of savings and deposit products, including term deposits, savings accounts, and current accounts.

Payment Services

ProCredit Holding AG & Co. KGaA provides payment services, including card services, online banking, and mobile banking.

8. ProCredit Holding AG & Co. KGaA's Porter Forces

Forces Ranking

Threat Of Substitutes

ProCredit Holding AG & Co. KGaA operates in the banking industry, where substitutes are limited. However, digital payment systems and fintech companies may pose a moderate threat.

Bargaining Power Of Customers

ProCredit Holding AG & Co. KGaA's customers are largely individuals and small businesses, who have limited bargaining power. The company's diversified customer base also reduces the bargaining power of individual customers.

Bargaining Power Of Suppliers

ProCredit Holding AG & Co. KGaA's suppliers are primarily technology and service providers, who have limited bargaining power. The company's scale and diversified supplier base also reduce the bargaining power of individual suppliers.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory requirements and capital adequacy norms. This limits the threat of new entrants for ProCredit Holding AG & Co. KGaA.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players. ProCredit Holding AG & Co. KGaA operates in a crowded market, which increases the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 59.04%
Debt Cost 3.95%
Equity Weight 40.96%
Equity Cost 10.11%
WACC 6.47%
Leverage 144.16%

11. Quality Control: ProCredit Holding AG & Co. KGaA passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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TBC Bank

A-Score: 7.7/10

Value: 9.6

Growth: 5.7

Quality: 7.3

Yield: 8.8

Momentum: 10.0

Volatility: 4.7

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SpareBank 1 Ostlandet

A-Score: 7.7/10

Value: 6.4

Growth: 7.9

Quality: 5.5

Yield: 8.8

Momentum: 8.5

Volatility: 9.0

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BKS Bank

A-Score: 7.0/10

Value: 7.3

Growth: 7.8

Quality: 5.6

Yield: 3.1

Momentum: 8.5

Volatility: 10.0

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BTV

A-Score: 6.8/10

Value: 7.5

Growth: 7.2

Quality: 7.6

Yield: 0.6

Momentum: 8.0

Volatility: 10.0

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Valiant Holding

A-Score: 6.6/10

Value: 5.9

Growth: 3.8

Quality: 4.9

Yield: 6.2

Momentum: 9.0

Volatility: 10.0

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ProCredit Holding

A-Score: 6.2/10

Value: 9.8

Growth: 3.9

Quality: 6.5

Yield: 8.1

Momentum: 6.0

Volatility: 2.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

8.08$

Current Price

8.08$

Potential

-0.00%

Expected Cash-Flows