ProCredit Holding AG (PCZ.DE) — Stock Score Summary

ProCredit Holding AG (PCZ.DE) has a MoatMap StockRank of 49/100 based on Quality (32/100), Value (61/100), and Momentum (42/100) factor scores. The current signal is HOLD. ProCredit Holding is a commercial banking group focused on South Eastern and Eastern Europe. It operates in highly competitive, politically sensitive regions and lacks the structural quality metrics of a global compounder.

ProCredit Holding AG is the parent company of the development-oriented ProCredit group, which primarily operates commercial banks in Eastern Europe, South America, and Germany. The group focuses on providing financial services to small and medium-sized enterprises (SMEs) with a strong emphasis on green lending and sustainable banking practices. Its competitive advantage lies in its specialized credit risk assessment methodologies and deep-rooted relationships within niche emerging markets.

Key Financial Metrics

Price$9.29
Market Cap$560M
P/E (TTM)5.51
P/E (Forward)3.67
Price/Book0.41
Return on Equity7.8%
Gross Margin0.0%
Operating Margin25.0%
Revenue Growth-1.4%
Dividend Yield6.3%

ProCredit Holding AG operates in the Banks - Diversified industry, part of the Financial Services sector (Germany).

Frequently Asked Questions

What is ProCredit Holding AG’s (PCZ.DE) StockRank?
MoatMap’s StockRank for ProCredit Holding AG (PCZ.DE) is 49/100, with a Hold signal. It is a composite of Quality (32), Value (61), and Momentum (42) factor ranks across MoatMap’s 19,000+ stock universe.
Does ProCredit Holding AG have an economic moat?
ProCredit Holding AG (PCZ.DE) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is ProCredit Holding AG a buy, hold, or sell?
MoatMap’s current signal for ProCredit Holding AG (PCZ.DE) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is ProCredit Holding AG in?
ProCredit Holding AG (PCZ.DE) operates in the Financial Services sector, specifically the Banks - Diversified industry (Germany).
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