PROG HOLDINGS INC (PRG) Fundamental Analysis & Valuation
NYSE:PRG • US74319R1014
Current stock price
28.18 USD
-0.21 (-0.74%)
At close:
27.74 USD
-0.44 (-1.56%)
After Hours:
This PRG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PRG Profitability Analysis
1.1 Basic Checks
- PRG had positive earnings in the past year.
- In the past year PRG had a positive cash flow from operations.
- In the past 5 years PRG has always been profitable.
- PRG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- PRG has a better Return On Assets (9.11%) than 83.33% of its industry peers.
- With a decent Return On Equity value of 19.67%, PRG is doing good in the industry, outperforming 66.67% of the companies in the same industry.
- PRG's Return On Invested Capital of 9.84% is fine compared to the rest of the industry. PRG outperforms 77.78% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for PRG is in line with the industry average of 12.01%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.11% | ||
| ROE | 19.67% | ||
| ROIC | 9.84% |
ROA(3y)10.49%
ROA(5y)10.62%
ROE(3y)24.49%
ROE(5y)25.33%
ROIC(3y)11.05%
ROIC(5y)12.24%
1.3 Margins
- With a Profit Margin value of 6.09%, PRG is not doing good in the industry: 70.37% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of PRG has grown nicely.
- The Operating Margin of PRG (8.42%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of PRG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.42% | ||
| PM (TTM) | 6.09% | ||
| GM | N/A |
OM growth 3Y2.23%
OM growth 5Y-6.25%
PM growth 3Y17.05%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. PRG Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PRG is still creating some value.
- Compared to 1 year ago, PRG has less shares outstanding
- Compared to 5 years ago, PRG has less shares outstanding
- PRG has a better debt/assets ratio than last year.
2.2 Solvency
- PRG has an Altman-Z score of 4.29. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.29, PRG belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
- The Debt to FCF ratio of PRG is 1.83, which is an excellent value as it means it would take PRG, only 1.83 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 1.83, PRG belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
- A Debt/Equity ratio of 0.80 indicates that PRG is somewhat dependend on debt financing.
- PRG has a Debt to Equity ratio of 0.80. This is in the better half of the industry: PRG outperforms 68.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | 4.29 |
ROIC/WACC1.35
WACC7.31%
2.3 Liquidity
- PRG has a Current Ratio of 3.07. This indicates that PRG is financially healthy and has no problem in meeting its short term obligations.
- PRG has a Current ratio of 3.07. This is in the better half of the industry: PRG outperforms 79.63% of its industry peers.
- A Quick Ratio of 3.07 indicates that PRG has no problem at all paying its short term obligations.
- With a decent Quick ratio value of 3.07, PRG is doing good in the industry, outperforming 79.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.07 | ||
| Quick Ratio | 3.07 |
3. PRG Growth Analysis
3.1 Past
- The earnings per share for PRG have decreased by 0.00% in the last year.
- PRG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.59% yearly.
- The Revenue has decreased by -2.20% in the past year.
- The Revenue has been decreasing by -0.61% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y9.21%
EPS 5Y-6.59%
EPS Q2Q%-27.5%
Revenue 1Y (TTM)-2.2%
Revenue growth 3Y-2.48%
Revenue growth 5Y-0.61%
Sales Q2Q%-7.82%
3.2 Future
- Based on estimates for the next years, PRG will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.25% on average per year.
- PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.53% yearly.
EPS Next Y24.64%
EPS Next 2Y21.99%
EPS Next 3Y22.71%
EPS Next 5Y12.25%
Revenue Next Year19.81%
Revenue Next 2Y13.26%
Revenue Next 3Y12.54%
Revenue Next 5Y7.53%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. PRG Valuation Analysis
4.1 Price/Earnings Ratio
- PRG is valuated reasonably with a Price/Earnings ratio of 8.29.
- PRG's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 25.60. PRG is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 6.65, the valuation of PRG can be described as very cheap.
- Based on the Price/Forward Earnings ratio, PRG is valued a bit cheaper than the industry average as 75.93% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of PRG to the average of the S&P500 Index (22.84), we can say PRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 6.65 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRG indicates a rather cheap valuation: PRG is cheaper than 90.74% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, PRG is valued a bit cheaper than 68.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.43 | ||
| EV/EBITDA | 0.77 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as PRG's earnings are expected to grow with 22.71% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y21.99%
EPS Next 3Y22.71%
5. PRG Dividend Analysis
5.1 Amount
- PRG has a Yearly Dividend Yield of 1.83%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 3.15, PRG pays a bit more dividend than its industry peers.
- PRG's Dividend Yield is comparable with the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
5.2 History
- The dividend of PRG is nicely growing with an annual growth rate of 29.76%!
- PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)29.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- PRG pays out 14.15% of its income as dividend. This is a sustainable payout ratio.
- The dividend of PRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.15%
EPS Next 2Y21.99%
EPS Next 3Y22.71%
PRG Fundamentals: All Metrics, Ratios and Statistics
28.18
-0.21 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-18 2026-02-18/bmo
Earnings (Next)04-21 2026-04-21
Inst Owners108.26%
Inst Owner Change3.35%
Ins Owners2.44%
Ins Owner Change7.62%
Market Cap1.12B
Revenue(TTM)2.41B
Net Income(TTM)146.79M
Analysts78.33
Price Target44.73 (58.73%)
Short Float %8.06%
Short Ratio5.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
Yearly Dividend0.52
Dividend Growth(5Y)29.76%
DP14.15%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-12 2026-03-12 (0.14)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.61%
Min EPS beat(2)-3.26%
Max EPS beat(2)20.49%
EPS beat(4)3
Avg EPS beat(4)12.8%
Min EPS beat(4)-3.26%
Max EPS beat(4)26.15%
EPS beat(8)6
Avg EPS beat(8)10.8%
EPS beat(12)10
Avg EPS beat(12)16.88%
EPS beat(16)13
Avg EPS beat(16)15.36%
Revenue beat(2)1
Avg Revenue beat(2)-1.14%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)0.53%
Revenue beat(4)2
Avg Revenue beat(4)-0.05%
Min Revenue beat(4)-2.82%
Max Revenue beat(4)2.21%
Revenue beat(8)6
Avg Revenue beat(8)0.54%
Revenue beat(12)10
Avg Revenue beat(12)0.86%
Revenue beat(16)11
Avg Revenue beat(16)0.37%
PT rev (1m)0.33%
PT rev (3m)9.3%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)15.71%
EPS NY rev (3m)12.78%
Revenue NQ rev (1m)1.63%
Revenue NQ rev (3m)12.05%
Revenue NY rev (1m)12.75%
Revenue NY rev (3m)11.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 6.65 | ||
| P/S | 0.46 | ||
| P/FCF | 3.43 | ||
| P/OCF | 3.33 | ||
| P/B | 1.49 | ||
| P/tB | 2.84 | ||
| EV/EBITDA | 0.77 |
EPS(TTM)3.4
EY12.07%
EPS(NY)4.24
Fwd EY15.04%
FCF(TTM)8.21
FCFY29.13%
OCF(TTM)8.46
OCFY30.03%
SpS60.87
BVpS18.86
TBVpS9.92
PEG (NY)0.34
PEG (5Y)N/A
Graham Number37.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.11% | ||
| ROE | 19.67% | ||
| ROCE | 13.81% | ||
| ROIC | 9.84% | ||
| ROICexc | 12.46% | ||
| ROICexgc | 18.16% | ||
| OM | 8.42% | ||
| PM (TTM) | 6.09% | ||
| GM | N/A | ||
| FCFM | 13.49% |
ROA(3y)10.49%
ROA(5y)10.62%
ROE(3y)24.49%
ROE(5y)25.33%
ROIC(3y)11.05%
ROIC(5y)12.24%
ROICexc(3y)12.76%
ROICexc(5y)13.98%
ROICexgc(3y)18.82%
ROICexgc(5y)21.26%
ROCE(3y)15.51%
ROCE(5y)17.18%
ROICexgc growth 3Y-2.28%
ROICexgc growth 5Y-9.97%
ROICexc growth 3Y-0.13%
ROICexc growth 5Y-7.37%
OM growth 3Y2.23%
OM growth 5Y-6.25%
PM growth 3Y17.05%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover1.5
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 1.83 | ||
| Debt/EBITDA | 0.33 | ||
| Cap/Depr | 0.62% | ||
| Cap/Sales | 0.42% | ||
| Interest Coverage | 5.42 | ||
| Cash Conversion | 18.43% | ||
| Profit Quality | 221.35% | ||
| Current Ratio | 3.07 | ||
| Quick Ratio | 3.07 | ||
| Altman-Z | 4.29 |
F-Score6
WACC7.31%
ROIC/WACC1.35
Cap/Depr(3y)0.57%
Cap/Depr(5y)0.56%
Cap/Sales(3y)0.39%
Cap/Sales(5y)0.38%
Profit Quality(3y)142.51%
Profit Quality(5y)152.09%
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y9.21%
EPS 5Y-6.59%
EPS Q2Q%-27.5%
EPS Next Y24.64%
EPS Next 2Y21.99%
EPS Next 3Y22.71%
EPS Next 5Y12.25%
Revenue 1Y (TTM)-2.2%
Revenue growth 3Y-2.48%
Revenue growth 5Y-0.61%
Sales Q2Q%-7.82%
Revenue Next Year19.81%
Revenue Next 2Y13.26%
Revenue Next 3Y12.54%
Revenue Next 5Y7.53%
EBIT growth 1Y-6.74%
EBIT growth 3Y-0.31%
EBIT growth 5Y-6.82%
EBIT Next Year55.98%
EBIT Next 3Y23.91%
EBIT Next 5Y13.31%
FCF growth 1Y149.54%
FCF growth 3Y11.75%
FCF growth 5Y-3.67%
OCF growth 1Y141.81%
OCF growth 3Y11.37%
OCF growth 5Y-5.98%
PROG HOLDINGS INC / PRG Fundamental Analysis FAQ
Can you provide the ChartMill fundamental rating for PROG HOLDINGS INC?
ChartMill assigns a fundamental rating of 6 / 10 to PRG.
What is the valuation status of PROG HOLDINGS INC (PRG) stock?
ChartMill assigns a valuation rating of 7 / 10 to PROG HOLDINGS INC (PRG). This can be considered as Undervalued.
Can you provide the profitability details for PROG HOLDINGS INC?
PROG HOLDINGS INC (PRG) has a profitability rating of 5 / 10.
What is the earnings growth outlook for PROG HOLDINGS INC?
The Earnings per Share (EPS) of PROG HOLDINGS INC (PRG) is expected to grow by 24.64% in the next year.
How sustainable is the dividend of PROG HOLDINGS INC (PRG) stock?
The dividend rating of PROG HOLDINGS INC (PRG) is 5 / 10 and the dividend payout ratio is 14.15%.