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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.
1998
4.7K+
LTM Revenue $474M
LTM EBITDA n/a
$971M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
ProCredit Holding has a last 12-month revenue of $474M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, ProCredit Holding achieved revenue of $495M and an EBITDA of n/a.
ProCredit Holding expects next 12-month revenue of XXX and NTM EBITDA of XXX
See ProCredit Holding valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $464M | $495M | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $17.7M | $122M | XXX | XXX | XXX |
| Net Margin | 4% | 25% | XXX | XXX | XXX |
| Net Debt | n/a | n/a | XXX | XXX | XXX |
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As of April 15, 2025, ProCredit Holding's stock price is EUR 9 (or $10).
ProCredit Holding has current market cap of EUR 527M (or $566M), and EV of EUR 904M (or $971M).
See ProCredit Holding trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $971M | $566M | XXX | XXX | XXX | XXX | $1.92 |
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Sign UpAs of April 15, 2025, ProCredit Holding has market cap of $566M and EV of $971M.
ProCredit Holding's trades at 2.1x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate ProCredit Holding's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for ProCredit Holding and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $971M | XXX | XXX | XXX |
| EV/Revenue | 2.0x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 5.0x | XXX | XXX | XXX |
| P/E/Growth | 0.5x | XXX | XXX | XXX |
| EV/FCF | -4.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpProCredit Holding's NTM/LTM revenue growth is 7%
ProCredit Holding's revenue per employee for the last fiscal year averaged $0.1M, while opex per employee averaged $0.1M for the same period.
Over next 12 months, ProCredit Holding's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate ProCredit Holding's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for ProCredit Holding and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 7% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.1M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.1M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 3% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 16% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 69% | XXX | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| RAKBANK | 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 acquired XXX companies to date.
Last acquisition by ProCredit Holding was XXXXXXXX, XXXXX XXXXX XXXXXX . ProCredit Holding acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| 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 4.7K+ employees. |
| Is ProCredit Holding publicy listed? | Yes, ProCredit Holding is a public company listed on ETR. |
| 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? | Similar companies to ProCredit Holding include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
| What is the current market cap of ProCredit Holding? | ProCredit Holding's current market cap is $566M |
| What is the current revenue of ProCredit Holding? | ProCredit Holding's last 12-month revenue is $474M. |
| What is the current EV/Revenue multiple of ProCredit Holding? | Current revenue multiple of ProCredit Holding is 2.1x. |
| What is the current revenue growth of ProCredit Holding? | ProCredit Holding revenue growth between 2023 and 2024 was 7%. |
| Is ProCredit Holding profitable? | Yes, ProCredit Holding is EBITDA-positive (as of the last 12 months). |
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