We assign a fundamental rating of 7 out of 10 to PGNY. PGNY was compared to 103 industry peers in the Health Care Providers & Services industry. PGNY gets an excellent profitability rating and is at the same time showing great financial health properties. PGNY is not priced too expensively while it is growing strongly. Keep and eye on this one! This makes PGNY very considerable for growth and quality investing!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year PGNY was profitable.
In the past year PGNY had a positive cash flow from operations.
PGNY had positive earnings in each of the past 5 years.
In the past 5 years PGNY always reported a positive cash flow from operatings.

1.2 Ratios

PGNY has a Return On Assets of 7.11%. This is amongst the best in the industry. PGNY outperforms 88.35% of its industry peers.
PGNY's Return On Equity of 10.10% is fine compared to the rest of the industry. PGNY outperforms 71.84% of its industry peers.
PGNY has a better Return On Invested Capital (11.24%) than 83.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PGNY is in line with the industry average of 9.16%.
The 3 year average ROIC (8.25%) for PGNY is below the current ROIC(11.24%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	7.11%
ROE	10.1%
ROIC	11.24%

ROA(3y)7.58%

ROA(5y)11.89%

ROE(3y)10.72%

ROE(5y)17.23%

ROIC(3y)8.25%

ROIC(5y)7.66%

1.3 Margins

PGNY has a better Profit Margin (4.46%) than 77.67% of its industry peers.
PGNY's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 6.77%, PGNY is doing good in the industry, outperforming 70.87% of the companies in the same industry.
PGNY's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 22.94%, PGNY perfoms like the industry average, outperforming 48.54% of the companies in the same industry.
In the last couple of years the Gross Margin of PGNY has grown nicely.

		Industry Rank	Sector Rank
OM	6.77%
PM (TTM)	4.46%
GM	22.94%

OM growth 3Y-3.61%

OM growth 5Y1.87%

PM growth 3Y-29.25%

PM growth 5YN/A

GM growth 3Y-1.03%

GM growth 5Y1.85%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PGNY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, PGNY has less shares outstanding
Compared to 5 years ago, PGNY has more shares outstanding
There is no outstanding debt for PGNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

An Altman-Z score of 8.30 indicates that PGNY is not in any danger for bankruptcy at the moment.
PGNY's Altman-Z score of 8.30 is amongst the best of the industry. PGNY outperforms 94.17% of its industry peers.
PGNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	8.3

ROIC/WACC1.26

WACC8.9%

2.3 Liquidity

PGNY has a Current Ratio of 2.96. This indicates that PGNY is financially healthy and has no problem in meeting its short term obligations.
PGNY's Current ratio of 2.96 is amongst the best of the industry. PGNY outperforms 83.50% of its industry peers.
PGNY has a Quick Ratio of 2.96. This indicates that PGNY is financially healthy and has no problem in meeting its short term obligations.
PGNY has a better Quick ratio (2.96) than 83.50% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.96
Quick Ratio	2.96

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.62% over the past year.
PGNY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.77% yearly.
The Revenue has grown by 11.41% in the past year. This is quite good.
Measured over the past years, PGNY shows a very strong growth in Revenue. The Revenue has been growing by 38.42% on average per year.

EPS 1Y (TTM)8.62%

EPS 3Y-4.77%

EPS 5YN/A

EPS Q2Q%36.36%

Revenue 1Y (TTM)11.41%

Revenue growth 3Y32.6%

Revenue growth 5Y38.42%

Sales Q2Q%9.32%

3.2 Future

PGNY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.94% yearly.
Based on estimates for the next years, PGNY will show a quite strong growth in Revenue. The Revenue will grow by 8.83% on average per year.

EPS Next Y17.75%

EPS Next 2Y29.28%

EPS Next 3Y26.74%

EPS Next 5Y32.94%

Revenue Next Year11.37%

Revenue Next 2Y10.44%

Revenue Next 3Y10.6%

Revenue Next 5Y8.83%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 38.29 indicates a quite expensive valuation of PGNY.
PGNY's Price/Earnings is on the same level as the industry average.
PGNY's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 28.39.
With a Price/Forward Earnings ratio of 25.32, PGNY can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as PGNY.
PGNY is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	38.29
Fwd PE	25.32

4.2 Price Multiples

PGNY's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PGNY indicates a rather cheap valuation: PGNY is cheaper than 83.50% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.75
EV/EBITDA	17.26

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of PGNY may justify a higher PE ratio.
PGNY's earnings are expected to grow with 26.74% in the coming years. This may justify a more expensive valuation.