PROG HOLDINGS INC (PRG) Stock Fundamental Analysis
USA - NYSE:PRG - US74319R1014 - Common Stock
27.34 USD
-0.41 (-1.48%)
27.34 USD
0 (0%)
PRG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. While PRG has a great health rating, its profitability is only average at the moment. 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.
PRG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PRG's Return On Assets of 10.60% is amongst the best of the industry. PRG outperforms 87.27% of its industry peers.
Looking at the Return On Equity, with a value of 23.29%, PRG belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
PRG's Return On Invested Capital of 11.22% is amongst the best of the industry. PRG outperforms 83.64% 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 11.76%.
| 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 comparable to the rest of the industry: PRG outperforms 41.82% of its industry peers.
In the last couple of years the Profit Margin of PRG has grown nicely.
The Operating Margin of PRG (8.88%) is comparable to the rest of the 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
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 a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.48 indicates that PRG is not in any danger for bankruptcy at the moment.
PRG's Altman-Z score of 4.48 is amongst the best of the industry. PRG outperforms 92.73% 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.
PRG's Debt to FCF ratio of 2.01 is amongst the best of the industry. PRG outperforms 83.64% of its industry peers.
A Debt/Equity ratio of 0.85 indicates that PRG is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.85, PRG is doing good in the industry, outperforming 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | 4.48 |
ROIC/WACC1.15
WACC9.72%
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.
Looking at the Current 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.
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
The Earnings Per Share has grown by an nice 9.04% over the past year.
PRG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.66% yearly.
The Revenue has been growing slightly by 3.71% in the past year.
Measured over the past years, PRG shows a decrease in Revenue. The Revenue has been decreasing by -9.00% on average per year.
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.
The Revenue is expected to grow by 2.16% on average over the next years.
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
With a Price/Earnings ratio of 7.55, the valuation of PRG can be described as very cheap.
Based on the Price/Earnings ratio, PRG is valued a bit cheaper than 69.09% of the companies in the same industry.
When comparing the Price/Earnings ratio of PRG to the average of the S&P500 Index (26.06), we can say PRG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.40, the valuation of PRG can be described as very cheap.
Based on the Price/Forward Earnings ratio, PRG is valued a bit cheaper than 70.91% of the companies in the same industry.
PRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.55 | ||
| Fwd PE | 7.4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRG is valued cheaply inside the industry as 94.55% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRG indicates a somewhat cheap valuation: PRG is cheaper than 69.09% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.66 | ||
| EV/EBITDA | 0.74 |
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)11.81
PEG (5Y)N/A
EPS Next 2Y4.22%
EPS Next 3Y11.45%
5. Dividend
5.1 Amount
PRG has a Yearly Dividend Yield of 1.84%. 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 4.75.
Compared to the average S&P500 Dividend Yield of 2.37, PRG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
On average, the dividend of PRG grows each year by 39.80%, which is quite nice.
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
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 2Y4.22%
EPS Next 3Y11.45%
27.34
-0.41 (-1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners100.96%
Inst Owner Change2.46%
Ins Owners1.85%
Ins Owner Change1.38%
Market Cap1.08B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts74.55
Price Target39.78 (45.5%)
Short Float %4.92%
Short Ratio4.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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)-6.14%
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 | 7.55 | ||
| Fwd PE | 7.4 | ||
| P/S | 0.43 | ||
| P/FCF | 3.66 | ||
| P/OCF | 3.54 | ||
| P/B | 1.54 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | 0.74 |
EPS(TTM)3.62
EY13.24%
EPS(NY)3.69
Fwd EY13.51%
FCF(TTM)7.48
FCFY27.35%
OCF(TTM)7.72
OCFY28.25%
SpS63.41
BVpS17.79
TBVpS8.74
PEG (NY)11.81
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 | 4.48 |
F-Score6
WACC9.72%
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 7.55 and the Price/Book (PB) ratio is 1.54.
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%.