PROG HOLDINGS INC (PRG) Stock Fundamental Analysis
USA - NYSE:PRG - US74319R1014 - Common Stock
35.94 USD
+0.57 (+1.61%)
Overall PRG gets a fundamental rating of 6 out of 10. We evaluated PRG against 54 industry peers in the Consumer Finance industry. While PRG has a great health rating, its profitability is only average at the moment. PRG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
PRG had positive earnings in the past year.
In the past year PRG had a positive cash flow from operations.
PRG had positive earnings in 4 of the past 5 years.
PRG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 14.76%, PRG belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
The Return On Equity of PRG (32.11%) is better than 94.44% of its industry peers.
The Return On Invested Capital of PRG (11.72%) is better than 83.33% of its industry peers.
PRG had an Average Return On Invested Capital over the past 3 years of 11.83%. This is in line with the industry average of 11.02%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.76% | ||
| ROE | 32.11% | ||
| ROIC | 11.72% |
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
The Profit Margin of PRG (8.53%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PRG has grown nicely.
PRG has a Operating Margin of 8.67%. This is comparable to the rest of the industry: PRG outperforms 51.85% of its industry peers.
PRG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.67% | ||
| PM (TTM) | 8.53% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PRG is creating some value.
The number of shares outstanding for PRG has been reduced compared to 1 year ago.
The number of shares outstanding for PRG has been reduced compared to 5 years ago.
The debt/assets ratio for PRG is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.93 indicates that PRG is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.93, PRG belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
PRG has a debt to FCF ratio of 2.71. This is a good value and a sign of high solvency as PRG would need 2.71 years to pay back of all of its debts.
PRG has a Debt to FCF ratio of 2.71. This is in the better half of the industry: PRG outperforms 79.63% of its industry peers.
PRG has a Debt/Equity ratio of 0.89. This is a neutral value indicating PRG is somewhat dependend on debt financing.
The Debt to Equity ratio of PRG (0.89) is better than 64.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | 2.71 | ||
| Altman-Z | 4.93 |
ROIC/WACC1.14
WACC10.29%
2.3 Liquidity
A Current Ratio of 2.43 indicates that PRG has no problem at all paying its short term obligations.
The Current ratio of PRG (2.43) is better than 75.93% of its industry peers.
A Quick Ratio of 2.43 indicates that PRG has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.43, PRG is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.43 | ||
| Quick Ratio | 2.43 |
3. Growth
3.1 Past
PRG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.16%.
The Earnings Per Share has been decreasing by -2.66% on average over the past years.
Looking at the last year, PRG shows a small growth in Revenue. The Revenue has grown by 5.18% in the last year.
PRG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.00% yearly.
EPS 1Y (TTM)1.16%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%10.87%
Revenue 1Y (TTM)5.18%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%2.11%
3.2 Future
PRG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.87% yearly.
PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.56% yearly.
EPS Next Y-0.97%
EPS Next 2Y4.82%
EPS Next 3Y9.13%
EPS Next 5Y9.87%
Revenue Next Year0.89%
Revenue Next 2Y2.22%
Revenue Next 3Y3.57%
Revenue Next 5Y2.56%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.30, the valuation of PRG can be described as reasonable.
Based on the Price/Earnings ratio, PRG is valued a bit cheaper than 61.11% of the companies in the same industry.
PRG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Based on the Price/Forward Earnings ratio of 9.62, the valuation of PRG can be described as reasonable.
PRG's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, PRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
94.44% of the companies in the same industry are more expensive than PRG, based on the Enterprise Value to EBITDA ratio.
PRG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PRG is cheaper than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.49 | ||
| EV/EBITDA | 0.94 |
4.3 Compensation for Growth
The decent profitability rating of PRG may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.82%
EPS Next 3Y9.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.40%, PRG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.46, PRG has a dividend in line with its industry peers.
With a Dividend Yield of 1.40, PRG pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
5.2 History
On average, the dividend of PRG grows each year by 39.80%, which is quite nice.
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
9.54% of the earnings are spent on dividend by PRG. This is a low number and sustainable payout ratio.
PRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP9.54%
EPS Next 2Y4.82%
EPS Next 3Y9.13%
NYSE:PRG (9/18/2025, 11:50:45 AM)
35.94
+0.57 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners105.53%
Inst Owner Change-3.11%
Ins Owners1.85%
Ins Owner Change4.9%
Market Cap1.42B
Analysts74.55
Price Target39.34 (9.46%)
Short Float %4.28%
Short Ratio4.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Yearly Dividend0.48
Dividend Growth(5Y)39.8%
DP9.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17%
Min EPS beat(2)7.84%
Max EPS beat(2)26.15%
EPS beat(4)3
Avg EPS beat(4)8.56%
Min EPS beat(4)-3.27%
Max EPS beat(4)26.15%
EPS beat(8)7
Avg EPS beat(8)14.32%
EPS beat(12)11
Avg EPS beat(12)19.36%
EPS beat(16)13
Avg EPS beat(16)14.27%
Revenue beat(2)1
Avg Revenue beat(2)1.04%
Min Revenue beat(2)-0.13%
Max Revenue beat(2)2.21%
Revenue beat(4)3
Avg Revenue beat(4)0.91%
Min Revenue beat(4)-0.13%
Max Revenue beat(4)2.21%
Revenue beat(8)7
Avg Revenue beat(8)1.15%
Revenue beat(12)10
Avg Revenue beat(12)0.97%
Revenue beat(16)10
Avg Revenue beat(16)0%
PT rev (1m)0%
PT rev (3m)5.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.77%
EPS NY rev (1m)6.7%
EPS NY rev (3m)6.7%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)-1.57%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 9.62 | ||
| P/S | 0.56 | ||
| P/FCF | 6.49 | ||
| P/OCF | 6.25 | ||
| P/B | 2.13 | ||
| P/tB | 4.63 | ||
| EV/EBITDA | 0.94 |
EPS(TTM)3.49
EY9.71%
EPS(NY)3.74
Fwd EY10.39%
FCF(TTM)5.54
FCFY15.41%
OCF(TTM)5.75
OCFY15.99%
SpS63.69
BVpS16.91
TBVpS7.76
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.76% | ||
| ROE | 32.11% | ||
| ROCE | 16.57% | ||
| ROIC | 11.72% | ||
| ROICexc | 14.1% | ||
| ROICexgc | 21.46% | ||
| OM | 8.67% | ||
| PM (TTM) | 8.53% | ||
| GM | N/A | ||
| FCFM | 8.7% |
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%
ROICexcg growth 3Y-17.04%
ROICexcg 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-Score8
Asset Turnover1.73
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.89 | ||
| Debt/FCF | 2.71 | ||
| Debt/EBITDA | 0.31 | ||
| Cap/Depr | 0.49% | ||
| Cap/Sales | 0.33% | ||
| Interest Coverage | 5.84 | ||
| Cash Conversion | 12% | ||
| Profit Quality | 102% | ||
| Current Ratio | 2.43 | ||
| Quick Ratio | 2.43 | ||
| Altman-Z | 4.93 |
F-Score8
WACC10.29%
ROIC/WACC1.14
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)1.16%
EPS 3Y-4.63%
EPS 5Y-2.66%
EPS Q2Q%10.87%
EPS Next Y-0.97%
EPS Next 2Y4.82%
EPS Next 3Y9.13%
EPS Next 5Y9.87%
Revenue 1Y (TTM)5.18%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%2.11%
Revenue Next Year0.89%
Revenue Next 2Y2.22%
Revenue Next 3Y3.57%
Revenue Next 5Y2.56%
EBIT growth 1Y0.36%
EBIT growth 3Y-13.27%
EBIT growth 5Y-7.29%
EBIT Next Year34.49%
EBIT Next 3Y14.42%
EBIT Next 5Y9.69%
FCF growth 1Y-22.76%
FCF growth 3Y-18.03%
FCF growth 5Y-10.3%
OCF growth 1Y-22.22%
OCF growth 3Y-17.42%
OCF growth 5Y-15.27%