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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 $497M
Last FY EBITDA n/a
$1.1B
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 (LTM) of $497M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, ProCredit Holding achieved revenue of $518M 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| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $497M | XXX | $518M | XXX | XXX | XXX |
| Gross Profit | $497M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $500M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 101% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $116M | XXX | $117M | XXX | XXX | XXX |
| Net Margin | 23% | XXX | 23% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | n/a | XXX | XXX | XXX |
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As of May 30, 2025, ProCredit Holding's stock price is EUR 10 (or $12).
ProCredit Holding has current market cap of EUR 615M (or $691M), and EV of EUR 964M (or $1.1B).
See ProCredit Holding trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.1B | $691M | XXX | XXX | XXX | XXX | $1.97 |
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Start Free TrialAs of May 30, 2025, ProCredit Holding has market cap of $691M and EV of $1.1B.
ProCredit Holding's trades at 2.1x EV/Revenue multiple, and n/a EV/EBITDA.
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 6.0x.
See valuation multiples for ProCredit Holding and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $691M | XXX | $691M | XXX | XXX | XXX |
| EV (current) | $1.1B | XXX | $1.1B | XXX | XXX | XXX |
| EV/Revenue | 2.2x | XXX | 2.1x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 2.2x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 2.2x | XXX | n/a | XXX | XXX | XXX |
| P/E | 6.0x | XXX | 5.9x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | -4.4x | 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.
Start Free TrialProCredit Holding's last 12 month revenue growth is 6%
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's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
ProCredit Holding's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for ProCredit Holding and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 6% | XXX | 4% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 3% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 69% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| 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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Start Free Trial| 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 $691M |
| What is the current revenue of ProCredit Holding? | ProCredit Holding's last 12 months revenue is $497M. |
| What is the current revenue growth of ProCredit Holding? | ProCredit Holding revenue growth (NTM/LTM) is 6%. |
| 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 EBITDA-positive (as of the last 12 months). |
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