PROG HOLDINGS INC (PRG) Fundamental Analysis & Valuation
NYSE:PRG • US74319R1014
28.12 USD
-0.47 (-1.64%)
At close: Mar 13, 2026
28.12 USD
0 (0%)
After Hours: 3/13/2026, 8:04:00 PM
This PRG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, PRG scores 6 out of 10 in our fundamental rating. PRG was compared to 54 industry peers in the Consumer Finance industry. While PRG has a great health rating, its profitability is only average at the moment. PRG has a bad growth rate and is valued cheaply. These ratings could make PRG a good candidate for value investing.
1. PRG Profitability Analysis
1.1 Basic Checks
- In the past year PRG was profitable.
- PRG had a positive operating cash flow in the past year.
- Each year in the past 5 years PRG has been profitable.
- In the past 5 years PRG always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of PRG (9.11%) is better than 83.33% of its industry peers.
- PRG's Return On Equity of 19.67% is fine compared to the rest of the industry. PRG outperforms 68.52% of its industry peers.
- PRG's Return On Invested Capital of 9.84% is fine compared to the rest of the industry. PRG outperforms 75.93% 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 12.42%.
| 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
- PRG's Profit Margin of 6.09% is on the low side compared to the rest of the industry. PRG is outperformed by 72.22% of its industry peers.
- PRG's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 8.42%, PRG is in line with its industry, outperforming 44.44% of the companies in the same 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
- 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
- PRG has less shares outstanding than it did 5 years ago.
- PRG has a better debt/assets ratio than last year.
2.2 Solvency
- PRG has an Altman-Z score of 4.30. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
- PRG has a Altman-Z score of 4.30. This is amongst the best in the industry. PRG outperforms 94.44% of its industry peers.
- PRG has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.83, PRG belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
- A Debt/Equity ratio of 0.80 indicates that PRG is somewhat dependend on debt financing.
- PRG's Debt to Equity ratio of 0.80 is fine compared to the rest 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 | 4.3 |
ROIC/WACC1.35
WACC7.27%
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 77.78% of its industry peers.
- PRG has a Quick Ratio of 3.07. This indicates that PRG is financially healthy and has no problem in meeting its short term obligations.
- PRG's Quick ratio of 3.07 is fine compared to the rest of the industry. PRG outperforms 77.78% of its industry peers.
| 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.
- PRG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.61% yearly.
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
- PRG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.25% yearly.
- The Revenue is expected to grow by 7.53% on average over the next years.
EPS Next Y24.64%
EPS Next 2Y21.99%
EPS Next 3Y22.71%
EPS Next 5Y12.25%
Revenue Next Year21.01%
Revenue Next 2Y13.57%
Revenue Next 3Y12.63%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. PRG Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.27, the valuation of PRG can be described as very reasonable.
- The rest of the industry has a similar Price/Earnings ratio as PRG.
- When comparing the Price/Earnings ratio of PRG to the average of the S&P500 Index (25.70), we can say PRG is valued rather cheaply.
- A Price/Forward Earnings ratio of 6.64 indicates a rather cheap valuation of PRG.
- Based on the Price/Forward Earnings ratio, PRG is valued a bit cheaper than 75.93% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, PRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.27 | ||
| Fwd PE | 6.64 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRG is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
- PRG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PRG is cheaper than 68.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.43 | ||
| EV/EBITDA | 0.78 |
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.
- PRG's earnings are expected to grow with 22.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y21.99%
EPS Next 3Y22.71%
5. PRG Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 1.55%, PRG has a reasonable but not impressive dividend return.
- PRG's Dividend Yield is comparable with the industry average which is at 2.83.
- PRG's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
5.2 History
- On average, the dividend of PRG grows each year by 29.76%, which is quite nice.
- PRG has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)29.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 14.15% 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.
DP14.15%
EPS Next 2Y21.99%
EPS Next 3Y22.71%
PRG Fundamentals: All Metrics, Ratios and Statistics
28.12
-0.47 (-1.64%)
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 Cap1.11B
Revenue(TTM)2.41B
Net Income(TTM)146.79M
Analysts78.33
Price Target44.59 (58.57%)
Short Float %8.74%
Short Ratio6.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)9.97%
PT rev (3m)12.92%
EPS NQ rev (1m)-1.15%
EPS NQ rev (3m)-6.39%
EPS NY rev (1m)15.71%
EPS NY rev (3m)14.75%
Revenue NQ rev (1m)13.39%
Revenue NQ rev (3m)13.29%
Revenue NY rev (1m)13.89%
Revenue NY rev (3m)20.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.27 | ||
| Fwd PE | 6.64 | ||
| P/S | 0.46 | ||
| P/FCF | 3.43 | ||
| P/OCF | 3.32 | ||
| P/B | 1.49 | ||
| P/tB | 2.84 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)3.4
EY12.09%
EPS(NY)4.24
Fwd EY15.07%
FCF(TTM)8.21
FCFY29.19%
OCF(TTM)8.46
OCFY30.1%
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 | 4.3 |
F-Score6
WACC7.27%
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 Year21.01%
Revenue Next 2Y13.57%
Revenue Next 3Y12.63%
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 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 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 5 / 10.
Can you provide the PE and PB ratios for PRG stock?
The Price/Earnings (PE) ratio for PROG HOLDINGS INC (PRG) is 8.27 and the Price/Book (PB) ratio is 1.49.
Can you provide the financial health for PRG stock?
The financial health rating of PROG HOLDINGS INC (PRG) is 9 / 10.