PROG HOLDINGS INC (PRG) Fundamental Analysis & Valuation

NYSE:PRG • US74319R1014

Current stock price

29.02 USD
+0.03 (+0.1%)
At close:
29.02 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

  • PRG had positive earnings in the past year.
  • PRG had a positive operating cash flow in the past year.
  • Each year in the past 5 years PRG has been profitable.
  • PRG had a positive operating cash flow in each of the past 5 years.
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

  • PRG's Return On Assets of 9.11% is amongst the best of the industry. PRG outperforms 83.33% of its industry peers.
  • PRG has a better Return On Equity (19.67%) than 66.67% of its industry peers.
  • With a decent Return On Invested Capital value of 9.84%, PRG is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • PRG had an Average Return On Invested Capital over the past 3 years of 11.05%. This is in line with the industry average of 12.12%.
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 has a Profit Margin of 6.09%. This is in the lower half of the industry: PRG underperforms 70.37% of its industry peers.
  • PRG's Profit Margin has improved in the last couple of years.
  • PRG has a Operating Margin of 8.42%. This is comparable to the rest of the industry: PRG outperforms 44.44% of its industry peers.
  • 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PRG is creating some value.
  • Compared to 1 year ago, PRG has less shares outstanding
  • Compared to 5 years ago, PRG has less shares outstanding
  • PRG has a better debt/assets ratio than last year.
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

  • PRG has an Altman-Z score of 4.31. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
  • PRG's Altman-Z score of 4.31 is amongst the best of the industry. PRG outperforms 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.
  • With an excellent Debt to FCF ratio value of 1.83, PRG belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
  • PRG has a Debt/Equity ratio of 0.80. This is a neutral value indicating PRG is somewhat dependend on debt financing.
  • The Debt to Equity ratio of PRG (0.80) is better than 68.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.83
Altman-Z 4.31
ROIC/WACC1.34
WACC7.34%
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

  • A Current Ratio of 3.07 indicates that PRG has no problem at all paying its short term obligations.
  • The Current ratio of PRG (3.07) is better than 79.63% of its industry peers.
  • A Quick Ratio of 3.07 indicates that PRG has no problem at all paying its short term obligations.
  • PRG has a Quick ratio of 3.07. This is in the better half of the industry: PRG outperforms 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%.
  • 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.
  • The Revenue has been decreasing by -0.61% on average over the past years.
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 8.54 indicates a reasonable valuation of PRG.
  • PRG's Price/Earnings ratio is in line with the industry average.
  • PRG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.61.
  • A Price/Forward Earnings ratio of 6.85 indicates a rather cheap valuation of PRG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRG indicates a somewhat cheap valuation: PRG is cheaper than 74.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.79, PRG is valued rather cheaply.
Industry RankSector Rank
PE 8.54
Fwd PE 6.85
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 cheaply inside the industry as 92.59% of the companies are valued more expensively.
  • 68.52% of the companies in the same industry are more expensive than PRG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.54
EV/EBITDA 0.79
PRG Per share dataPRG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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.
  • 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

  • With a Yearly Dividend Yield of 1.89%, PRG has a reasonable but not impressive dividend return.
  • PRG's Dividend Yield is a higher than the industry average which is at 3.32.
  • PRG's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.89%

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
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

  • PRG pays out 14.15% 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.
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 (3/26/2026, 5:30:38 PM)

After market: 29.02 0 (0%)

29.02

+0.03 (+0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-18
Earnings (Next)04-21
Inst Owners108.26%
Inst Owner Change3.35%
Ins Owners2.44%
Ins Owner Change7.62%
Market Cap1.15B
Revenue(TTM)2.41B
Net Income(TTM)146.79M
Analysts78.33
Price Target44.59 (53.65%)
Short Float %8.07%
Short Ratio6.09
Dividend
Industry RankSector Rank
Dividend Yield 1.89%
Yearly Dividend0.52
Dividend Growth(5Y)29.76%
DP14.15%
Div Incr Years0
Div Non Decr Years0
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)9.97%
PT rev (3m)12.92%
EPS NQ rev (1m)-0.15%
EPS NQ rev (3m)-5.45%
EPS NY rev (1m)15.71%
EPS NY rev (3m)14.75%
Revenue NQ rev (1m)12.11%
Revenue NQ rev (3m)12.01%
Revenue NY rev (1m)12.75%
Revenue NY rev (3m)18.95%
Valuation
Industry RankSector Rank
PE 8.54
Fwd PE 6.85
P/S 0.48
P/FCF 3.54
P/OCF 3.43
P/B 1.54
P/tB 2.93
EV/EBITDA 0.79
EPS(TTM)3.4
EY11.72%
EPS(NY)4.24
Fwd EY14.6%
FCF(TTM)8.21
FCFY28.29%
OCF(TTM)8.46
OCFY29.16%
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 4.31
F-Score6
WACC7.34%
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.


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 8.54 and the Price/Book (PB) ratio is 1.54.


Can you provide the financial health for PRG stock?

The financial health rating of PROG HOLDINGS INC (PRG) is 9 / 10.