ProCredit Holding AG (XTER:PCZ) Moat Score: 0/10 (As of Jul. 06, 2026)


XTER:PCZ ProCredit Holding AG XTER:PCZ
64 GF Score
Price €8.34
GF Value €9.00
Valuation Fairly Valued
! 3 Warning Signs
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What is ProCredit Holding AG Moat Score?

ProCredit Holding AG has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

ProCredit Holding AG has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ProCredit Holding AG might have No Moat - No discernible moat.

ProCredit Holding AG  (XTER:PCZ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ProCredit Holding AG Moat Score Related Terms

XTER:PCZ
64GF Score
ProCredit Holding AG XTER:PCZ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is ProCredit Holding AG (XTER:PCZ) Overvalued in 2026?

Based on GuruFocus' analysis, ProCredit Holding AG stock appears to be undervalued. The current stock price of €8.34 is trading 7.3% below its estimated GF Value™ of €9.00. GuruFocus considers ProCredit Holding AG to be Fairly Valued.

Key valuation signals for XTER:PCZ:

  • Moat Score: 0
  • GF Value™: €9.00 vs. price of €8.34 (7.3% below fair value)
  • GF Score™: 64/100 with 3 warning signs

No single metric tells the full story. See the XTER:PCZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ProCredit Holding AG Business Description

Address Rohmerplatz 33-37, Frankfurt, DEU, 60486
ProCredit Holding AG provides financial products and 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.
64GF Score

Get the complete analysis for XTER:PCZ

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.34
Price
€9.00
GF Value