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PROG HOLDINGS INC (PRG) Stock Fundamental Analysis

NYSE:PRG - New York Stock Exchange, Inc. - US74319R1014 - Common Stock - Currency: USD

29.39  +0.17 (+0.58%)

After market: 29.39 0 (0%)

Fundamental Rating

5

PRG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 53 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 cheap, but on the other hand it scores bad on growth. These ratings could make PRG a good candidate for value investing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year PRG was profitable.
In the past year PRG had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PRG reported negative net income in multiple years.
Of the past 5 years PRG 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

1.2 Ratios

PRG has a Return On Assets of 10.94%. This is amongst the best in the industry. PRG outperforms 90.38% of its industry peers.
PRG has a Return On Equity of 25.09%. This is amongst the best in the industry. PRG outperforms 86.54% of its industry peers.
PRG has a better Return On Invested Capital (11.13%) than 88.46% of its industry peers.
PRG had an Average Return On Invested Capital over the past 3 years of 13.23%. This is significantly above the industry average of 7.30%.
Industry RankSector Rank
ROA 10.94%
ROE 25.09%
ROIC 11.13%
ROA(3y)10.31%
ROA(5y)5.45%
ROE(3y)25.54%
ROE(5y)14.44%
ROIC(3y)13.24%
ROIC(5y)13.18%
PRG Yearly ROA, ROE, ROICPRG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

1.3 Margins

PRG's Profit Margin of 6.55% is on the low side compared to the rest of the industry. PRG is outperformed by 61.54% 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 8.75%, PRG is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of PRG has grown nicely.
Industry RankSector Rank
OM 8.75%
PM (TTM) 6.55%
GM N/A
OM growth 3Y-5.25%
OM growth 5Y5.41%
PM growth 3YN/A
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
PRG Yearly Profit, Operating, Gross MarginsPRG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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7

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PRG is creating some value.
There is no outstanding debt for PRG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PRG Yearly Shares OutstandingPRG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
PRG Yearly Total Debt VS Total AssetsPRG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

An Altman-Z score of 4.59 indicates that PRG is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.59, PRG belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
PRG has a debt to FCF ratio of 4.71. This is a neutral value as PRG would need 4.71 years to pay back of all of its debts.
PRG has a Debt to FCF ratio of 4.71. This is in the better half of the industry: PRG outperforms 67.31% of its industry peers.
A Debt/Equity ratio of 0.94 indicates that PRG is somewhat dependend on debt financing.
PRG's Debt to Equity ratio of 0.94 is in line compared to the rest of the industry. PRG outperforms 59.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 4.71
Altman-Z 4.59
ROIC/WACC1.42
WACC7.86%
PRG Yearly LT Debt VS Equity VS FCFPRG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 2.43 indicates that PRG has no problem at all paying its short term obligations.
PRG has a Current ratio of 2.43. This is in the better half of the industry: PRG outperforms 67.31% of its industry peers.
A Quick Ratio of 2.43 indicates that PRG has no problem at all paying its short term obligations.
The Quick ratio of PRG (2.43) is better than 69.23% of its industry peers.
Industry RankSector Rank
Current Ratio 2.43
Quick Ratio 2.43
PRG Yearly Current Assets VS Current LiabilitesPRG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

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2

3. Growth

3.1 Past

PRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.85%.
The Earnings Per Share has been decreasing by -2.66% on average over the past years.
EPS 1Y (TTM)-6.85%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%11.11%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.95%

3.2 Future

The Earnings Per Share is expected to grow by 11.64% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.98% on average over the next years.
EPS Next Y15.14%
EPS Next 2Y13.93%
EPS Next 3Y12%
EPS Next 5Y11.64%
Revenue Next Year6.66%
Revenue Next 2Y6.32%
Revenue Next 3Y4.24%
Revenue Next 5Y3.98%

3.3 Evolution

The EPS 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
PRG Yearly EPS VS EstimatesPRG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4 5

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.64 indicates a reasonable valuation of PRG.
Compared to the rest of the industry, the Price/Earnings ratio of PRG indicates a somewhat cheap valuation: PRG is cheaper than 73.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, PRG is valued rather cheaply.
A Price/Forward Earnings ratio of 7.51 indicates a rather cheap valuation of PRG.
78.85% of the companies in the same industry are more expensive than PRG, based on the Price/Forward Earnings ratio.
PRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 8.64
Fwd PE 7.51
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 92.31% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRG is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.69
EV/EBITDA 0.87
PRG Per share dataPRG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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.
The decent profitability rating of PRG may justify a higher PE ratio.
A more expensive valuation may be justified as PRG's earnings are expected to grow with 12.00% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y13.93%
EPS Next 3Y12%

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3

5. Dividend

5.1 Amount

PRG has a Yearly Dividend Yield of 1.57%.
The stock price of PRG dropped by -38.04% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
PRG's Dividend Yield is a higher than the industry average which is at 4.09.
PRG's Dividend Yield is slightly below the S&P500 average, which is at 2.29.
Industry RankSector Rank
Dividend Yield 1.57%

5.2 History

PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
PRG Yearly Dividends per sharePRG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2024 2 4 6 8

5.3 Sustainability

DPN/A
EPS Next 2Y13.93%
EPS Next 3Y12%
PRG Yearly Income VS Free CF VS DividendPRG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

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PROG HOLDINGS INC

NYSE:PRG (2/21/2025, 8:04:00 PM)

After market: 29.39 0 (0%)

29.39

+0.17 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-19 2025-02-19/bmo
Earnings (Next)04-22 2025-04-22/bmo
Inst Owners99.9%
Inst Owner Change0.14%
Ins Owners1.66%
Ins Owner Change-7.25%
Market Cap1.22B
Analysts81.82
Price Target55.93 (90.3%)
Short Float %5.87%
Short Ratio7.01
Dividend
Industry RankSector Rank
Dividend Yield 1.57%
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.17%
Min EPS beat(2)-3.27%
Max EPS beat(2)25.61%
EPS beat(4)3
Avg EPS beat(4)8.81%
Min EPS beat(4)-3.27%
Max EPS beat(4)25.61%
EPS beat(8)7
Avg EPS beat(8)23.69%
EPS beat(12)9
Avg EPS beat(12)15.58%
EPS beat(16)13
Avg EPS beat(16)16.38%
Revenue beat(2)2
Avg Revenue beat(2)1.74%
Min Revenue beat(2)0.85%
Max Revenue beat(2)2.64%
Revenue beat(4)4
Avg Revenue beat(4)1.29%
Min Revenue beat(4)0.34%
Max Revenue beat(4)2.64%
Revenue beat(8)8
Avg Revenue beat(8)1.34%
Revenue beat(12)8
Avg Revenue beat(12)0.19%
Revenue beat(16)9
Avg Revenue beat(16)-13.05%
PT rev (1m)-0.3%
PT rev (3m)-1.2%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-0.13%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
Industry RankSector Rank
PE 8.64
Fwd PE 7.51
P/S 0.5
P/FCF 9.69
P/OCF 9.06
P/B 1.94
P/tB 4.75
EV/EBITDA 0.87
EPS(TTM)3.4
EY11.57%
EPS(NY)3.91
Fwd EY13.32%
FCF(TTM)3.03
FCFY10.32%
OCF(TTM)3.24
OCFY11.03%
SpS58.2
BVpS15.19
TBVpS6.19
PEG (NY)0.57
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 10.94%
ROE 25.09%
ROCE 16.2%
ROIC 11.13%
ROICexc 13.4%
ROICexgc 20.66%
OM 8.75%
PM (TTM) 6.55%
GM N/A
FCFM 5.21%
ROA(3y)10.31%
ROA(5y)5.45%
ROE(3y)25.54%
ROE(5y)14.44%
ROIC(3y)13.24%
ROIC(5y)13.18%
ROICexc(3y)14.96%
ROICexc(5y)14.37%
ROICexgc(3y)23.4%
ROICexgc(5y)23.14%
ROCE(3y)19.27%
ROCE(5y)19.19%
ROICexcg growth 3Y-9.19%
ROICexcg growth 5Y9.99%
ROICexc growth 3Y-6.42%
ROICexc growth 5Y11.98%
OM growth 3Y-5.25%
OM growth 5Y5.41%
PM growth 3YN/A
PM growth 5Y2.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.67
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 4.71
Debt/EBITDA 0.32
Cap/Depr 0.54%
Cap/Sales 0.36%
Interest Coverage 5.73
Cash Conversion 7.35%
Profit Quality 79.61%
Current Ratio 2.43
Quick Ratio 2.43
Altman-Z 4.59
F-Score7
WACC7.86%
ROIC/WACC1.42
Cap/Depr(3y)0.55%
Cap/Depr(5y)1.8%
Cap/Sales(3y)0.38%
Cap/Sales(5y)1.21%
Profit Quality(3y)157.7%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.85%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%11.11%
EPS Next Y15.14%
EPS Next 2Y13.93%
EPS Next 3Y12%
EPS Next 5Y11.64%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.95%
Revenue Next Year6.66%
Revenue Next 2Y6.32%
Revenue Next 3Y4.24%
Revenue Next 5Y3.98%
EBIT growth 1Y-16.91%
EBIT growth 3Y-6.24%
EBIT growth 5Y-3.93%
EBIT Next Year9.96%
EBIT Next 3Y6.75%
EBIT Next 5Y6.17%
FCF growth 1Y-43.75%
FCF growth 3Y-20.8%
FCF growth 5Y-6.86%
OCF growth 1Y-42.49%
OCF growth 3Y-23.49%
OCF growth 5Y-10.54%