PROG HOLDINGS INC (PRG) Fundamental Analysis & Valuation

NYSE:PRG • US74319R1014

Current stock price

29.41 USD
-0.19 (-0.64%)
At close:
29.41 USD
0 (0%)
After Hours:

This PRG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. PRG Profitability Analysis

1.1 Basic Checks

  • In the past year PRG was profitable.
  • In the past year PRG had a positive cash flow from operations.
  • PRG had positive earnings in each of the past 5 years.
  • 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 2025 0 100M 200M 300M 400M

1.2 Ratios

  • With an excellent Return On Assets value of 9.11%, PRG belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • PRG has a Return On Equity of 19.67%. This is in the better half of the industry: PRG outperforms 64.81% of its industry peers.
  • PRG has a better Return On Invested Capital (9.84%) than 77.78% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRG is in line with the industry average of 9.87%.
Industry RankSector 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%
PRG Yearly ROA, ROE, ROICPRG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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 70.37% of its industry peers.
  • PRG's Profit Margin has improved in the last couple of years.
  • PRG has a Operating Margin (8.42%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of PRG has declined.
Industry RankSector 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
PRG Yearly Profit, Operating, Gross MarginsPRG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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9

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
  • Compared to 5 years ago, PRG has less shares outstanding
  • Compared to 1 year ago, PRG has an improved debt to assets ratio.
PRG Yearly Shares OutstandingPRG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 4.33 indicates that PRG is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of PRG (4.33) is better than 94.44% of its industry peers.
  • 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.
  • The Debt to FCF ratio of PRG (1.83) is better than 85.19% of its industry peers.
  • PRG has a Debt/Equity ratio of 0.80. This is a neutral value indicating 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 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.83
Altman-Z 4.33
ROIC/WACC1.34
WACC7.37%
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 2025 500M 1B 1.5B

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.
  • With a decent Current ratio value of 3.07, PRG is doing good in the industry, outperforming 79.63% of the companies in the same industry.
  • 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.
  • The Quick ratio of PRG (3.07) is better than 79.63% of its industry peers.
Industry RankSector Rank
Current Ratio 3.07
Quick Ratio 3.07
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 2025 200M 400M 600M 800M

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

3

3. PRG Growth Analysis

3.1 Past

  • PRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
  • Measured over the past years, PRG shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.59% on average per year.
  • The Revenue has decreased by -2.20% in the past year.
  • Measured over the past years, PRG shows a decrease in Revenue. The Revenue has been decreasing by -0.61% on average per year.
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

  • 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.
  • 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.
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 2030 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 2030 2 4 6

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7

4. PRG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.65 indicates a reasonable 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 26.78. PRG is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 6.94, which indicates a rather cheap valuation of PRG.
  • PRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PRG is cheaper than 75.93% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. PRG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.65
Fwd PE 6.94
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 cheaper than 90.74% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PRG is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.58
EV/EBITDA 0.8
PRG Per share dataPRG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • PRG's 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)0.35
PEG (5Y)N/A
EPS Next 2Y21.99%
EPS Next 3Y22.71%

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

5

5. PRG Dividend Analysis

5.1 Amount

  • PRG has a Yearly Dividend Yield of 1.86%. Purely for dividend investing, there may be better candidates out there.
  • PRG's Dividend Yield is a higher than the industry average which is at 3.23.
  • Compared to an average S&P500 Dividend Yield of 1.89, PRG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.86%

5.2 History

  • On average, the dividend of PRG grows each year by 29.76%, which is quite nice.
  • PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PRG has decreased its dividend recently.
Dividend Growth(5Y)29.76%
Div Incr Years1
Div Non Decr Years1
PRG Yearly Dividends per sharePRG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2024 2025 2026 2 4 6 8

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 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 2025 0 100M 200M 300M 400M
PRG Dividend Payout.PRG Dividend Payout, showing the Payout Ratio.PRG Dividend Payout.PayoutRetained Earnings

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PRG Fundamentals: All Metrics, Ratios and Statistics

PROG HOLDINGS INC

NYSE:PRG (4/10/2026, 8:04:00 PM)

After market: 29.41 0 (0%)

29.41

-0.19 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-18
Earnings (Next)04-29
Inst Owners108.26%
Inst Owner Change0%
Ins Owners2.44%
Ins Owner Change7.62%
Market Cap1.16B
Revenue(TTM)2.41B
Net Income(TTM)146.79M
Analysts78.33
Price Target44.73 (52.09%)
Short Float %8.06%
Short Ratio5.39
Dividend
Industry RankSector Rank
Dividend Yield 1.86%
Yearly Dividend0.52
Dividend Growth(5Y)29.76%
DP14.15%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-12
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)0%
EPS NY rev (3m)12.78%
Revenue NQ rev (1m)-1.13%
Revenue NQ rev (3m)12.05%
Revenue NY rev (1m)-0.99%
Revenue NY rev (3m)11.95%
Valuation
Industry RankSector Rank
PE 8.65
Fwd PE 6.94
P/S 0.48
P/FCF 3.58
P/OCF 3.48
P/B 1.56
P/tB 2.97
EV/EBITDA 0.8
EPS(TTM)3.4
EY11.56%
EPS(NY)4.24
Fwd EY14.41%
FCF(TTM)8.21
FCFY27.91%
OCF(TTM)8.46
OCFY28.78%
SpS60.87
BVpS18.86
TBVpS9.92
PEG (NY)0.35
PEG (5Y)N/A
Graham Number37.98
Profitability
Industry RankSector 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 RankSector 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 4.33
F-Score6
WACC7.37%
ROIC/WACC1.34
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%.