PROG HOLDINGS INC (PRG) Stock Fundamental Analysis
USA - NYSE:PRG - US74319R1014 - Common Stock
26.47 USD
+0.14 (+0.53%)
PRG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. PRG is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. PRG is valued quite cheap, while showing a decent growth score. This is a good combination! This makes PRG very considerable for value investing!
1. Profitability
1.1 Basic Checks
PRG had positive earnings in the past year.
PRG had a positive operating cash flow in the past year.
Of the past 5 years PRG 4 years were profitable.
Each year in the past 5 years PRG had a positive operating cash flow.
1.2 Ratios
PRG has a better Return On Assets (10.60%) than 87.27% of its industry peers.
With an excellent Return On Equity value of 23.29%, PRG belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
With an excellent Return On Invested Capital value of 11.22%, PRG belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
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 11.61%.
| Industry Rank | Sector 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%
1.3 Margins
PRG has a Profit Margin of 6.54%. This is in the lower half of the industry: PRG underperforms 61.82% of its industry peers.
PRG's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 8.88%, PRG perfoms like the industry average, outperforming 49.09% of the companies in the same industry.
In the last couple of years the Operating Margin of PRG has grown nicely.
| Industry Rank | Sector 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
2. Health
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.
The number of shares outstanding for PRG has been reduced compared to 1 year ago.
PRG has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PRG has a worse debt to assets ratio.
2.2 Solvency
PRG has an Altman-Z score of 4.45. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 4.45, PRG belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
PRG has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as PRG would need 2.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.01, PRG belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
A Debt/Equity ratio of 0.85 indicates that PRG is somewhat dependend on debt financing.
The Debt to Equity ratio of PRG (0.85) is better than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | 4.45 |
ROIC/WACC1.15
WACC9.74%
2.3 Liquidity
A Current Ratio of 2.82 indicates that PRG has no problem at all paying its short term obligations.
PRG has a Current ratio of 2.82. This is in the better half of the industry: PRG outperforms 76.36% 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 76.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.82 | ||
| Quick Ratio | 2.82 |
3. Growth
3.1 Past
PRG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.04%, which is quite good.
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.
The Revenue has been growing slightly by 3.71% in the past 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
The Earnings Per Share is expected to grow by 6.81% on average over the next years.
PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.16% yearly.
EPS Next Y0.64%
EPS Next 2Y4.22%
EPS Next 3Y11.45%
EPS Next 5Y6.81%
Revenue Next Year0.73%
Revenue Next 2Y0.68%
Revenue Next 3Y2.85%
Revenue Next 5Y2.16%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.31, the valuation of PRG can be described as very cheap.
Based on the Price/Earnings ratio, PRG is valued a bit cheaper than 70.91% of the companies in the same industry.
When comparing the Price/Earnings ratio of PRG to the average of the S&P500 Index (25.47), we can say PRG is valued rather cheaply.
The Price/Forward Earnings ratio is 7.17, which indicates a rather cheap valuation of PRG.
Based on the Price/Forward Earnings ratio, PRG is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PRG to the average of the S&P500 Index (35.42), we can say PRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.31 | ||
| Fwd PE | 7.17 |
4.2 Price Multiples
PRG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PRG is cheaper than 94.55% of the companies in the same industry.
69.09% of the companies in the same industry are more expensive than PRG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.54 | ||
| EV/EBITDA | 0.72 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PRG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)11.44
PEG (5Y)N/A
EPS Next 2Y4.22%
EPS Next 3Y11.45%
5. Dividend
5.1 Amount
PRG has a Yearly Dividend Yield of 1.86%.
In the last 3 months the price of PRG has falen by -24.14%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
PRG's Dividend Yield is a higher than the industry average which is at 4.71.
Compared to the average S&P500 Dividend Yield of 2.44, PRG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
5.2 History
The dividend of PRG is nicely growing with an annual growth rate of 39.80%!
PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)39.8%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PRG pays out 12.57% of its income as dividend. This is a sustainable payout ratio.
PRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP12.57%
EPS Next 2Y4.22%
EPS Next 3Y11.45%
NYSE:PRG (11/20/2025, 11:55:44 AM)
26.47
+0.14 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners100.96%
Inst Owner Change2.47%
Ins Owners1.85%
Ins Owner Change0%
Market Cap1.05B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts74.55
Price Target39.78 (50.28%)
Short Float %4.39%
Short Ratio3.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
Yearly Dividend0.48
Dividend Growth(5Y)39.8%
DP12.57%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)1.11%
PT rev (3m)1.11%
EPS NQ rev (1m)-8.75%
EPS NQ rev (3m)-8.55%
EPS NY rev (1m)1.63%
EPS NY rev (3m)8.44%
Revenue NQ rev (1m)-1.99%
Revenue NQ rev (3m)-2.36%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.31 | ||
| Fwd PE | 7.17 | ||
| P/S | 0.42 | ||
| P/FCF | 3.54 | ||
| P/OCF | 3.43 | ||
| P/B | 1.49 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 0.72 |
EPS(TTM)3.62
EY13.68%
EPS(NY)3.69
Fwd EY13.95%
FCF(TTM)7.48
FCFY28.25%
OCF(TTM)7.72
OCFY29.18%
SpS63.41
BVpS17.79
TBVpS8.74
PEG (NY)11.44
PEG (5Y)N/A
Graham Number38.07
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 4.45 |
F-Score6
WACC9.74%
ROIC/WACC1.15
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 Y0.64%
EPS Next 2Y4.22%
EPS Next 3Y11.45%
EPS Next 5Y6.81%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%-1.82%
Revenue Next Year0.73%
Revenue Next 2Y0.68%
Revenue Next 3Y2.85%
Revenue Next 5Y2.16%
EBIT growth 1Y5.18%
EBIT growth 3Y-13.27%
EBIT growth 5Y-7.29%
EBIT Next Year34.49%
EBIT Next 3Y14.42%
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.
What is the valuation status for PRG stock?
ChartMill assigns a valuation rating of 7 / 10 to PROG HOLDINGS INC (PRG). This can be considered as Undervalued.
How profitable is PROG HOLDINGS INC (PRG) stock?
PROG HOLDINGS INC (PRG) has a profitability rating of 6 / 10.
What is the valuation of PROG HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PROG HOLDINGS INC (PRG) is 7.31 and the Price/Book (PB) ratio is 1.49.
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 12.57%.