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ProCredit Holding Valuation Multiples
Discover revenue and EBITDA valuation multiples for ProCredit Holding and similar public comparables like GRANIT Bank, Northfield Bancorp, SpareBank 1 Østfold Akershus, Sparebanken Møre and more.
ProCredit Holding Overview
About ProCredit Holding
ProCredit Holding AG provides financial products are services. It performs general banking functions like accepting deposits, providing loans, current and savings accounts, and other banking services. The company's geographical segments are South-Eastern Europe, consisting of seven banks in the following countries: Albania, Bosnia and Herzegovina, Bulgaria (including branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia; Eastern Europe, with three banks located in the following countries, Georgia, Moldova, and Ukraine; South America, consisting of one bank in Ecuador; and Germany, consisting of the ProCredit Bank in Germany, ProCredit Holding, Quipu and the ProCredit Academy in Furth.
Founded
1998
HQ
Employees
4.7K
Website
Sectors
Financials (LTM)
EV
$1B
ProCredit Holding Financials
ProCredit Holding reported last 12-month revenue of $511M.
In the same LTM period, ProCredit Holding generated $98M in net income.
Revenue (LTM)
ProCredit Holding P&L
In the most recent fiscal year, ProCredit Holding reported revenue of $529M and net income of $96M.
ProCredit Holding expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $511M | XXX | $529M | XXX | XXX | XXX |
| EBIT Margin | 64% | XXX | 59% | XXX | XXX | XXX |
| Net Profit | $98M | XXX | $96M | XXX | XXX | XXX |
| Net Margin | 19% | XXX | 18% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
ProCredit Holding Stock Performance
ProCredit Holding has current market cap of $563M, and enterprise value of $1B.
Market Cap Evolution
ProCredit Holding's stock price is $9.56.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1B | $563M | -0.5% | XXX | XXX | XXX | $1.63 |
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Start Free TrialProCredit Holding Valuation Multiples
ProCredit Holding trades at 2.2x EV/Revenue multiple.
EV / Revenue (LTM)
ProCredit Holding Financial Valuation Multiples
As of March 31, 2026, ProCredit Holding has market cap of $563M and EV of $1B.
Equity research analysts estimate ProCredit Holding's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
ProCredit Holding has a P/E ratio of 5.7x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $563M | XXX | $563M | XXX | XXX | XXX |
| EV (current) | $1B | XXX | $1B | XXX | XXX | XXX |
| EV/Revenue | 2.2x | XXX | 2.1x | XXX | XXX | XXX |
| EV/EBIT | 3.4x | XXX | 3.5x | XXX | XXX | XXX |
| P/E | 5.7x | XXX | 5.9x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (6.6x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified ProCredit Holding Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
ProCredit Holding Margins & Growth Rates
ProCredit Holding's revenue in the last 12 month grew by 10%.
ProCredit Holding's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged $0.1M for the same period.
ProCredit Holding Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 10% | XXX | 3% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 17% | XXX | XXX | XXX |
| Opex to Revenue | 70% | XXX | 74% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
ProCredit Holding Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| GRANIT Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Northfield Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| SpareBank 1 Østfold Akershus | XXX | XXX | XXX | XXX | XXX | XXX |
| Sparebanken Møre | XXX | XXX | XXX | XXX | XXX | XXX |
| Access Bank Ghana | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
ProCredit Holding M&A Activity
ProCredit Holding acquired XXX companies to date.
Last acquisition by ProCredit Holding was on XXXXXXXX, XXXXX. ProCredit Holding acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by ProCredit Holding
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialProCredit Holding Investment Activity
ProCredit Holding invested in XXX companies to date.
ProCredit Holding made its latest investment on XXXXXXXX, XXXXX. ProCredit Holding invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by ProCredit Holding
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout ProCredit Holding
| When was ProCredit Holding founded? | ProCredit Holding was founded in 1998. |
| Where is ProCredit Holding headquartered? | ProCredit Holding is headquartered in Germany. |
| How many employees does ProCredit Holding have? | As of today, ProCredit Holding has over 4K employees. |
| Is ProCredit Holding publicly listed? | Yes, ProCredit Holding is a public company listed on Frankfurt Stock Exchange. |
| What is the stock symbol of ProCredit Holding? | ProCredit Holding trades under PCZ ticker. |
| When did ProCredit Holding go public? | ProCredit Holding went public in 2016. |
| Who are competitors of ProCredit Holding? | ProCredit Holding main competitors are GRANIT Bank, Northfield Bancorp, SpareBank 1 Østfold Akershus, Sparebanken Møre. |
| What is the current market cap of ProCredit Holding? | ProCredit Holding's current market cap is $563M. |
| What is the current revenue of ProCredit Holding? | ProCredit Holding's last 12 months revenue is $511M. |
| What is the current revenue growth of ProCredit Holding? | ProCredit Holding revenue growth (NTM/LTM) is 10%. |
| What is the current EV/Revenue multiple of ProCredit Holding? | Current revenue multiple of ProCredit Holding is 2.2x. |
| Is ProCredit Holding profitable? | Yes, ProCredit Holding is net-income-positive (as of the last 12 months). |
| What is the current net income of ProCredit Holding? | ProCredit Holding's last 12 months net income is $98M. |
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