PROG HOLDINGS INC (PRG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PRG • US74319R1014

34.8 USD
+0.17 (+0.49%)
Last: Feb 10, 2026, 09:52 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall PRG gets a fundamental rating of 6 out of 10. We evaluated PRG against 54 industry peers in the Consumer Finance industry. PRG has an excellent financial health rating, but there are some minor concerns on its profitability. PRG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year PRG was profitable.
  • PRG had a positive operating cash flow in the past year.
  • Of the past 5 years PRG 4 years were profitable.
  • In the past 5 years PRG always reported a positive cash flow from operatings.
PRG Yearly Net Income VS EBIT VS OCF VS FCFPRG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • PRG's Return On Assets of 10.60% is amongst the best of the industry. PRG outperforms 85.19% of its industry peers.
  • The Return On Equity of PRG (23.29%) is better than 79.63% of its industry peers.
  • PRG has a Return On Invested Capital of 11.22%. This is amongst the best in the industry. PRG outperforms 81.48% of its industry peers.
  • PRG had an Average Return On Invested Capital over the past 3 years of 11.83%. This is in line with the industry average of 12.42%.
Industry RankSector Rank
ROA 10.6%
ROE 23.29%
ROIC 11.22%
ROA(3y)9.65%
ROA(5y)7.86%
ROE(3y)23.71%
ROE(5y)20.15%
ROIC(3y)11.83%
ROIC(5y)13.95%
PRG Yearly ROA, ROE, ROICPRG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

  • PRG has a worse Profit Margin (6.54%) than 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of PRG has grown nicely.
  • PRG has a Operating Margin (8.88%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of PRG has grown nicely.
Industry RankSector Rank
OM 8.88%
PM (TTM) 6.54%
GM N/A
OM growth 3Y-10.82%
OM growth 5Y1.88%
PM growth 3Y-4.16%
PM growth 5Y58.6%
GM growth 3YN/A
GM growth 5YN/A
PRG Yearly Profit, Operating, Gross MarginsPRG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • PRG 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, PRG has less shares outstanding
  • Compared to 5 years ago, PRG has less shares outstanding
  • The debt/assets ratio for PRG is higher compared to a year ago.
PRG Yearly Shares OutstandingPRG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
PRG Yearly Total Debt VS Total AssetsPRG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 4.68 indicates that PRG is not in any danger for bankruptcy at the moment.
  • PRG has a Altman-Z score of 4.68. This is amongst the best in the industry. PRG outperforms 94.44% of its industry peers.
  • The Debt to FCF ratio of PRG is 2.01, which is a good value as it means it would take PRG, 2.01 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PRG (2.01) is better than 87.04% of its industry peers.
  • A Debt/Equity ratio of 0.85 indicates that PRG is somewhat dependend on debt financing.
  • PRG has a better Debt to Equity ratio (0.85) than 68.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 2.01
Altman-Z 4.68
ROIC/WACC1.51
WACC7.42%
PRG Yearly LT Debt VS Equity VS FCFPRG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

  • PRG has a Current Ratio of 2.82. This indicates that PRG is financially healthy and has no problem in meeting its short term obligations.
  • PRG has a better Current ratio (2.82) than 79.63% of its industry peers.
  • A Quick Ratio of 2.82 indicates that PRG has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.82, PRG is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.82
Quick Ratio 2.82
PRG Yearly Current Assets VS Current LiabilitesPRG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.04% over the past year.
  • Measured over the past years, PRG shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.66% on average per year.
  • Looking at the last year, PRG shows a small growth in Revenue. The Revenue has grown by 3.71% in the last year.
  • PRG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.00% yearly.
EPS 1Y (TTM)9.04%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%16.88%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%-1.82%

3.2 Future

  • Based on estimates for the next years, PRG will show a small growth in Earnings Per Share. The EPS will grow by 6.81% on average per year.
  • PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.16% yearly.
EPS Next Y1.41%
EPS Next 2Y3.79%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue Next Year0.69%
Revenue Next 2Y3.43%
Revenue Next 3Y4.26%
Revenue Next 5Y2.16%

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.
PRG Yearly Revenue VS EstimatesPRG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B
PRG Yearly EPS VS EstimatesPRG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3 4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.61, which indicates a very decent valuation of PRG.
  • PRG's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.06. PRG is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.50, which indicates a very decent valuation of PRG.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PRG.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. PRG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.61
Fwd PE 9.5
PRG Price Earnings VS Forward Price EarningsPRG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRG is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, PRG is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.66
EV/EBITDA 0.89
PRG Per share dataPRG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 PRG may justify a higher PE ratio.
PEG (NY)6.83
PEG (5Y)N/A
EPS Next 2Y3.79%
EPS Next 3Y11.98%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.53%, PRG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.75, PRG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, PRG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.53%

5.2 History

  • On average, the dividend of PRG grows each year by 39.80%, which is quite nice.
  • PRG has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)39.8%
Div Incr Years0
Div Non Decr Years0
PRG Yearly Dividends per sharePRG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2024 2025 2 4 6 8

5.3 Sustainability

  • 12.57% of the earnings are spent on dividend by PRG. This is a low number and sustainable payout ratio.
  • The dividend of PRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP12.57%
EPS Next 2Y3.79%
EPS Next 3Y11.98%
PRG Yearly Income VS Free CF VS DividendPRG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M
PRG Dividend Payout.PRG Dividend Payout, showing the Payout Ratio.PRG Dividend Payout.PayoutRetained Earnings

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PROG HOLDINGS INC

NYSE:PRG (2/10/2026, 9:52:45 AM)

34.8

+0.17 (+0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-22
Earnings (Next)02-18
Inst Owners104.89%
Inst Owner Change-1.12%
Ins Owners1.85%
Ins Owner Change0%
Market Cap1.38B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts78.33
Price Target40.55 (16.52%)
Short Float %8.72%
Short Ratio6.66
Dividend
Industry RankSector Rank
Dividend Yield 1.53%
Yearly Dividend0.48
Dividend Growth(5Y)39.8%
DP12.57%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.32%
Min EPS beat(2)20.49%
Max EPS beat(2)26.15%
EPS beat(4)4
Avg EPS beat(4)14.5%
Min EPS beat(4)3.54%
Max EPS beat(4)26.15%
EPS beat(8)7
Avg EPS beat(8)11.66%
EPS beat(12)11
Avg EPS beat(12)20.63%
EPS beat(16)13
Avg EPS beat(16)15.31%
Revenue beat(2)2
Avg Revenue beat(2)1.37%
Min Revenue beat(2)0.53%
Max Revenue beat(2)2.21%
Revenue beat(4)3
Avg Revenue beat(4)0.83%
Min Revenue beat(4)-0.13%
Max Revenue beat(4)2.21%
Revenue beat(8)7
Avg Revenue beat(8)1.06%
Revenue beat(12)11
Avg Revenue beat(12)1.17%
Revenue beat(16)11
Avg Revenue beat(16)0.35%
PT rev (1m)-0.93%
PT rev (3m)1.92%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-2.84%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 9.61
Fwd PE 9.5
P/S 0.55
P/FCF 4.66
P/OCF 4.51
P/B 1.96
P/tB 3.98
EV/EBITDA 0.89
EPS(TTM)3.62
EY10.4%
EPS(NY)3.66
Fwd EY10.52%
FCF(TTM)7.48
FCFY21.48%
OCF(TTM)7.72
OCFY22.19%
SpS63.39
BVpS17.79
TBVpS8.74
PEG (NY)6.83
PEG (5Y)N/A
Graham Number38.06
Profitability
Industry RankSector Rank
ROA 10.6%
ROE 23.29%
ROCE 15.85%
ROIC 11.22%
ROICexc 14.17%
ROICexgc 21.29%
OM 8.88%
PM (TTM) 6.54%
GM N/A
FCFM 11.79%
ROA(3y)9.65%
ROA(5y)7.86%
ROE(3y)23.71%
ROE(5y)20.15%
ROIC(3y)11.83%
ROIC(5y)13.95%
ROICexc(3y)13.13%
ROICexc(5y)15.3%
ROICexgc(3y)19.8%
ROICexgc(5y)24.01%
ROCE(3y)16.72%
ROCE(5y)19.71%
ROICexgc growth 3Y-17.04%
ROICexgc growth 5Y1.01%
ROICexc growth 3Y-13.9%
ROICexc growth 5Y4.64%
OM growth 3Y-10.82%
OM growth 5Y1.88%
PM growth 3Y-4.16%
PM growth 5Y58.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover1.62
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 2.01
Debt/EBITDA 0.32
Cap/Depr 0.59%
Cap/Sales 0.39%
Interest Coverage 5.94
Cash Conversion 16.29%
Profit Quality 180.42%
Current Ratio 2.82
Quick Ratio 2.82
Altman-Z 4.68
F-Score6
WACC7.42%
ROIC/WACC1.51
Cap/Depr(3y)0.55%
Cap/Depr(5y)1%
Cap/Sales(3y)0.37%
Cap/Sales(5y)0.81%
Profit Quality(3y)147.35%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.04%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%16.88%
EPS Next Y1.41%
EPS Next 2Y3.79%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%-1.82%
Revenue Next Year0.69%
Revenue Next 2Y3.43%
Revenue Next 3Y4.26%
Revenue Next 5Y2.16%
EBIT growth 1Y5.18%
EBIT growth 3Y-13.27%
EBIT growth 5Y-7.29%
EBIT Next Year34.32%
EBIT Next 3Y17.06%
EBIT Next 5Y9.81%
FCF growth 1Y21.8%
FCF growth 3Y-18.03%
FCF growth 5Y-10.3%
OCF growth 1Y21.24%
OCF growth 3Y-17.42%
OCF growth 5Y-15.27%

PROG HOLDINGS INC / PRG FAQ

Can you provide the ChartMill fundamental rating for PROG HOLDINGS INC?

ChartMill assigns a fundamental rating of 6 / 10 to PRG.


Can you provide the valuation status for PROG HOLDINGS INC?

ChartMill assigns a valuation rating of 6 / 10 to PROG HOLDINGS INC (PRG). This can be considered as Fairly Valued.


How profitable is PROG HOLDINGS INC (PRG) stock?

PROG HOLDINGS INC (PRG) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for PRG stock?

The Price/Earnings (PE) ratio for PROG HOLDINGS INC (PRG) is 9.61 and the Price/Book (PB) ratio is 1.96.


Can you provide the financial health for PRG stock?

The financial health rating of PROG HOLDINGS INC (PRG) is 8 / 10.