Insiders Trades
ProCredit Holding AG Stock: price and insider trades · Germany
5 insiders bought €70k of shares over the last 90 days, the latest filed 16 Oct 2026.
Cluster: 5 buyers in 30 daysProCredit Holding AG: what insiders have been doing
ProCredit Holding AG, classified in the Finance & Banking sector, is a listed company based in Frankfurt, Germany, founded in 1998. Its insiders report their share dealings to BaFin. The last twelve months, up to 18 October 2026, brought 66 filings signed by 7 insiders.
The flow runs one way only: 7 insiders bought (66 purchases totalling €230k) and nobody sold on the market. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Those buying include 6 senior executives and 1 board member. One trade stands out by size: a purchase of €5,758 from Bibolli, Eriola, disclosed on 16 April 2026, or 0.0012% of market capitalisation.
The data flag 62 purchases as part of a group of insiders buying within 30 days of each other. A cluster is several different insiders buying the same stock within a short window, a pattern studied more closely than a single purchase. The latest purchase is recent: it was published 1 day ago, on 16 October 2026. Typically, a trade is published a median of 5 days after it takes place. For comparison, MAR article 19 gives managers three business days to notify a trade.
Compared with its exchange (287 companies, median 5 filings), a count of 66 filings is above the norm. Our records for ProCredit Holding AG go back to 2025, with 101 purchases and no sales on the open market in total.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by BaFin. They describe what insiders did and are not a recommendation.
Insider Decl.
101
Thresholds
n/a
Buy Volume
€353,511
101 ops. · all time
Sell Volume
n/a
n/a
Who traded when
BuySaleJovanka Joleska Popovska18 buys
Christian Dagrosa17 buys
Christoph Beeck17 buys
Eriola Bibolli17 buys
Georgios Chatzis17 buys
Hubert Spechtenhauser9 buys
+1 other insider
Since the insiders bought
- +10.0%Entry €8.24 · Close 14 Oct 2026 €9.06
- +10.0%Entry €8.24 · Close 14 Oct 2026 €9.06
- +10.0%Entry €8.24 · Close 14 Oct 2026 €9.06
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Fundamental score
Ranked 8,386 of 24,148 companies
59.1
score / 100
Value51
Quality67
FCF yld-27%
Earn yld16%
EV/EBITDA·
ROE6.6%
Gross mgn·
Net mgn18%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
€9.06
Analyst consensus
3 analysts1.00/5
€15.00Target €15.50(+71%)€16.00
Income statement
Revenue€460.1M
Net income€83.5M17.2% margin
Valuation
PER (trailing)7.0x
PER (forward)4.9x
P/Book0.5x
Beta1.38
Balance sheet & cash
Market cap€533.6M
Total debt€506.1M
Free Cash Flow-€145.5M
Profitability & ownership
ROE6.6%
ROA0.7%
% insiders47.0%
% institutions19.4%
Last declaration on 16 October 2026
Declarations101 total
410.801 shares@ €8.610.0007% mcap5.9% of flowShareISIN DE0006223407BAFIN:10120321-7c1719404b1c
Canonical exit: 10 Jan 2027 (T+90)
668.677 shares@ €8.610.0011% mcap7.2% of flowShareISIN DE0006223407BAFIN:10120321-926dd186de38
Canonical exit: 10 Jan 2027 (T+90)
173.916 shares@ €8.610.0003% mcap5.9% of flowShareISIN DE0006223407BAFIN:10120321-30fe91935486
Canonical exit: 10 Jan 2027 (T+90)
416.799 shares@ €8.610.0007% mcap5.9% of flowShareISIN DE0006223407BAFIN:10120321-41695673a527
Canonical exit: 10 Jan 2027 (T+90)
376.818 shares@ €8.610.0006% mcap5.9% of flowShareISIN DE0006223407BAFIN:10120321-a9869044dc06
Canonical exit: 10 Jan 2027 (T+90)
653.154 shares@ €8.810.0011% mcap7.8% of flowShareISIN DE0006223407BAFIN:10120321-55eb28c5779b
Canonical exit: 9 Dec 2026 (T+90)
406.095 shares@ €8.810.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-66c1ee0322b1
Canonical exit: 9 Dec 2026 (T+90)
401.094 shares@ €8.810.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-3b6718334fd3
Canonical exit: 9 Dec 2026 (T+90)
368.086 shares@ €8.810.0006% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-e9855ccaa59d
Canonical exit: 9 Dec 2026 (T+90)
170.04 shares@ €8.810.0003% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-e824e6fd2a5e
Canonical exit: 9 Dec 2026 (T+90)
398.793 shares@ €8.150.0006% mcap6.3% of flowShareISIN DE0006223407BAFIN:10120321-f1e5b81fa5a9
Canonical exit: 11 Nov 2026 (T+90)
439.772 shares@ €8.150.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-ee88aef341d4
Canonical exit: 11 Nov 2026 (T+90)
434.774 shares@ €8.150.0007% mcap6.3% of flowShareISIN DE0006223407BAFIN:10120321-b56f6ccb1c73
Canonical exit: 11 Nov 2026 (T+90)
705.633 shares@ €8.150.0011% mcap7.8% of flowShareISIN DE0006223407BAFIN:10120321-1dc84aeff2e9
Canonical exit: 11 Nov 2026 (T+90)
183.904 shares@ €8.150.0003% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-8101be527251
Canonical exit: 11 Nov 2026 (T+90)
179.051 shares@ €8.410.0003% mcap6.3% of flowShareISIN DE0006223407BAFIN:10120321-9643914abb2e
Canonical exit: 12 Oct 2026 (T+90)
386.111 shares@ €8.410.0006% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-9acdebe886b3
Canonical exit: 12 Oct 2026 (T+90)
426.121 shares@ €8.410.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-5df1cf0eea02
Canonical exit: 12 Oct 2026 (T+90)
420.12 shares@ €8.410.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-28f786e0ea3c
Canonical exit: 12 Oct 2026 (T+90)
684.195 shares@ €8.410.0011% mcap7.8% of flowShareISIN DE0006223407BAFIN:10120321-12a5c1ceb657
Canonical exit: 12 Oct 2026 (T+90)
723.077 shares@ €7.950.0012% mcap7.8% of flowShareISIN DE0006223407BAFIN:10120321-ee144eac47bd
Canonical exit: 8 Sept 2026 (T+90)
446.048 shares@ €7.950.0007% mcap6.3% of flowShareISIN DE0006223407BAFIN:10120321-0d94a110999d
Canonical exit: 8 Sept 2026 (T+90)
451.048 shares@ €7.950.0007% mcap6.3% of flowShareISIN DE0006223407BAFIN:10120321-9dbc3d1802d4
Canonical exit: 10 Sept 2026 (T+90)
188.02 shares@ €7.950.0003% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-3c181597bb4b
Canonical exit: 8 Sept 2026 (T+90)
408.043 shares@ €7.950.0007% mcap6.2% of flowShareISIN DE0006223407BAFIN:10120321-2ed170e370db
Canonical exit: 8 Sept 2026 (T+90)
25 of 101 declarations
About ProCredit Holding AG
ProCredit Holding AG is the listed parent company of an international impact-banking group focused on financing micro, small and medium-sized enterprises (MSMEs) and private individuals. Listed on Xetra/Frankfurt (DAX/MDAX/SDAX) in Germany, the company functions as the group’s regulatory and strategic holding entity: capital allocation, risk management, reporting, compliance and overall business organisation. For investors, ProCredit stands out as a niche banking platform with a relationship-driven model, more focused on quality and long-term client relationships than on mass retail banking.
The group has its roots in development finance. Its first banks were founded in 1998, and the franchise later evolved into a fully regulated banking group built around a holding structure in Frankfurt am Main, Germany. At consolidated level, it is supervised by BaFin and the German Bundesbank. This gives ProCredit a distinctly German regulatory anchor, while its operating footprint is largely international. The business model is based on development-oriented commercial banks, with a strong emphasis on prudent underwriting, client proximity and disciplined risk culture.
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ProCredit’s core business lines include lending to SMEs, micro and small businesses, and banking services for private clients in its markets. The group also gathers deposits and offers transaction banking, payments, foreign exchange services and digital banking products. Geographically, its footprint is concentrated in South Eastern and Eastern Europe, with additional activity in South America and Germany. Recent company communication has highlighted the strategic shift toward a more granular loan book, faster growth in smaller-ticket lending and continued rollout of digital retail banking initiatives.
From a competitive standpoint, ProCredit is positioned as a specialised banking group with an impact and sustainability angle rather than a broad universal bank. Its value proposition combines local market know-how, SME banking expertise and a long-standing development mission. That specialisation can support differentiation in fragmented banking markets, but it also means the group remains exposed to country risk, FX volatility and a less diversified earnings base than larger pan-European peers.
Recent milestones are important for the investment case. In 2025, ProCredit reported continued loan growth and a gradually improving business mix, while keeping its CET1 ratio at a solid level of around 13% at the end of September 2025. In March 2026, the group said it ended 2025 with strong loan growth, its digital retail banking transformation progressing well and net profit broadly in line with updated guidance, while reaffirming a more ambitious medium-term profitability target. Overall, the stock offers an analytically interesting combination of transformation, asset-quality discipline and growth in specialised banking markets.
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