PROG HOLDINGS INC (PRG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRG - US74319R1014 - Common Stock
29.16 USD
-0.03 (-0.1%)
29.16 USD
0 (0%)
Overall PRG gets a fundamental rating of 6 out of 10. We evaluated PRG 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 has a decent growth rate and is not valued too expensively.
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
With an excellent Return On Assets value of 10.60%, PRG belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
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.
With an excellent Return On Invested Capital value of 11.22%, PRG belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PRG is in line with the industry average of 11.33%.
| 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 worse Profit Margin (6.54%) than 61.82% of its industry peers.
PRG's Profit Margin has improved in the last couple of years.
PRG's Operating Margin of 8.88% is in line compared to the rest of the industry. PRG outperforms 49.09% of its industry peers.
PRG's Operating Margin has improved in the last couple of years.
| 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
The debt/assets ratio for PRG is higher compared to a year ago.
2.2 Solvency
PRG has an Altman-Z score of 4.53. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
PRG has a better Altman-Z score (4.53) than 90.91% of its industry peers.
PRG has a debt to FCF ratio of 2.01. This is a good value and a sign of high solvency as PRG would need 2.01 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 2.01, PRG belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
A Debt/Equity ratio of 0.85 indicates that PRG is somewhat dependend on debt financing.
PRG's Debt to Equity ratio of 0.85 is fine compared to the rest of the industry. PRG outperforms 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.01 | ||
| Altman-Z | 4.53 |
ROIC/WACC1.15
WACC9.74%
2.3 Liquidity
A Current Ratio of 2.82 indicates that PRG has no problem at all paying 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.
With a decent Quick ratio value of 2.82, PRG is doing good in 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.
Measured over the past years, PRG shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.66% on average per year.
The Revenue has been growing slightly by 3.71% in the past year.
PRG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.00% yearly.
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.
PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.16% yearly.
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
A Price/Earnings ratio of 8.06 indicates a reasonable valuation of PRG.
Based on the Price/Earnings ratio, PRG is valued a bit cheaper than the industry average as 69.09% of the companies are valued more expensively.
PRG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
The Price/Forward Earnings ratio is 7.90, which indicates a rather cheap valuation of PRG.
Based on the Price/Forward Earnings ratio, PRG is valued a bit cheaper than 69.09% 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 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.9 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRG is valued cheaper than 92.73% of the companies in the same industry.
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 | 3.9 | ||
| EV/EBITDA | 0.78 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PRG has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)12.6
PEG (5Y)N/A
EPS Next 2Y4.22%
EPS Next 3Y11.45%
5. Dividend
5.1 Amount
PRG has a Yearly Dividend Yield of 1.96%. 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 5.21.
PRG's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
5.2 History
The dividend of PRG is nicely growing with an annual growth rate of 39.80%!
PRG has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)39.8%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PRG pays out 12.57% 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.
DP12.57%
EPS Next 2Y4.22%
EPS Next 3Y11.45%
29.16
-0.03 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners100.96%
Inst Owner Change2.25%
Ins Owners1.85%
Ins Owner Change0%
Market Cap1.15B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts74.55
Price Target39.2 (34.43%)
Short Float %4.39%
Short Ratio3.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
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)-0.37%
PT rev (3m)-0.37%
EPS NQ rev (1m)-9.66%
EPS NQ rev (3m)-9.47%
EPS NY rev (1m)1.63%
EPS NY rev (3m)1.63%
Revenue NQ rev (1m)-1.8%
Revenue NQ rev (3m)-2.16%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.9 | ||
| P/S | 0.46 | ||
| P/FCF | 3.9 | ||
| P/OCF | 3.78 | ||
| P/B | 1.64 | ||
| P/tB | 3.34 | ||
| EV/EBITDA | 0.78 |
EPS(TTM)3.62
EY12.41%
EPS(NY)3.69
Fwd EY12.66%
FCF(TTM)7.48
FCFY25.64%
OCF(TTM)7.72
OCFY26.49%
SpS63.41
BVpS17.79
TBVpS8.74
PEG (NY)12.6
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 | 4.53 |
F-Score6
WACC9.74%
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 6 / 10 to PROG HOLDINGS INC (PRG). This can be considered as Fairly Valued.
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 8.06 and the Price/Book (PB) ratio is 1.64.
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%.