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.

ProCredit Holding AG & Co. KGaA

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DB Finanzberatung provides personalized financial consulting services through independent financial advisors, who tailor solutions to clients' individual needs. The company offers innovative counseling and product offerings and is active across Germany.

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DONNER & REUSCHEL is a private bank offering financial and asset management services, with a focus on individual consulting and long-term client relationships.

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ProCredit Holding is the parent company of a group of development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. It is responsible for strategic management, capital adequacy, reporting, and risk management.

Metric
Company Name	ProCredit Holding AG & Co. KGaA	Deutsche Bank	DB Finanzberatung	DONNER & REUSCHEL
Symbol	PCZ
MSH ID	COM:PROCREDIT-HOLDING	COM:DB:INVESTOR-RELATIONS	DE:DB-FINANZBERATUNG	DE:DONNER-REUSCHEL
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance
Industry	Banks - Regional	Banking	Financial Planning and Advisory Services	Banking
Country	DE	DE	DE	DE
Stage
Employee Count	3.83K		1
Website	procredit-holding.com	investor-relations.db.com	db-finanzberatung.de	donner-reuschel.de
LinkedIn			deutsche-bank-finanzberatung
Founders

Metric
Market Cap	548.75M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	695.03M
Revenue (LTM)
Revenue (NTM)
Gross Profit	695.03M
EBITDA	24.84M
Operating Income
Net Income	119.75M
EPS	2.03
Diluted EPS	2.03
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.59
EBITDA Margin	0.04
Net Profit Margin	0.23
Return on Equity	0.12
Return on Assets	0.01
Return on Capital Employed	0.06

COM:PROCREDIT-HOLDING

ProCredit Holding

Last Close

7.64

25/11 09:11

Market Cap

519.48M

Beta: -

Volume Today

6.50K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	5.02
P/B Ratio	0.48
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.17
EV Multiple	33.52

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.06

Metric
Operating Cash Flow	30.90M
Free Cash Flow	1.49M
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents	2.48B
Accounts Receivable
Inventory	-2.49B
Goodwill	3.32M
Debt to Capitalization	0.59
Debt to Assets	0.03
Current Ratio
Quick Ratio	355.85

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue	0.31