PROG HOLDINGS INC (PRG) Fundamental Analysis & Valuation
NYSE:PRG • US74319R1014
Current stock price
36.19 USD
+0.36 (+1%)
At close:
36.19 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.
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.
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 Return On Equity of 19.67%. This is in the better half of the industry: PRG outperforms 68.52% of its industry peers.
- PRG has a Return On Invested Capital of 9.84%. This is in the better half of the industry: PRG outperforms 77.78% 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 9.54%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of PRG (6.09%) is worse than 70.37% of its industry peers.
- PRG's Profit Margin has improved in the last couple of years.
- PRG's Operating Margin of 8.42% is in line compared to the rest of the industry. PRG outperforms 44.44% of its industry peers.
- PRG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
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.
- 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 has been reduced compared to a year ago.
2.2 Solvency
- PRG has an Altman-Z score of 4.51. This indicates that PRG is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.51, 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 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 1.83, PRG belongs to the best of the industry, outperforming 85.19% 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.
- PRG's Debt to Equity ratio of 0.80 is fine compared to the rest of the industry. PRG outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | 4.51 |
ROIC/WACC1.29
WACC7.62%
2.3 Liquidity
- PRG has a Current Ratio of 3.07. 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 3.07, PRG is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
- A Quick Ratio of 3.07 indicates that PRG has no problem at all paying its short term obligations.
- PRG's Quick ratio of 3.07 is fine compared to the rest of the industry. PRG outperforms 79.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.07 | ||
| Quick Ratio | 3.07 |
3. PRG Growth Analysis
3.1 Past
- PRG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.32%, which is quite good.
- 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 been growing slightly by 0.42% in the past year.
- The Revenue has been decreasing by -0.61% on average over the past years.
EPS 1Y (TTM)10.32%
EPS 3Y9.21%
EPS 5Y-6.59%
EPS Q2Q%37.78%
Revenue 1Y (TTM)0.42%
Revenue growth 3Y-2.48%
Revenue growth 5Y-0.61%
Sales Q2Q%8.56%
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 Y27.07%
EPS Next 2Y22.87%
EPS Next 3Y25.13%
EPS Next 5Y12.25%
Revenue Next Year19.57%
Revenue Next 2Y13.59%
Revenue Next 3Y12.54%
Revenue Next 5Y7.53%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. PRG Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.68, the valuation of PRG can be described as reasonable.
- The rest of the industry has a similar Price/Earnings ratio as PRG.
- Compared to an average S&P500 Price/Earnings ratio of 26.64, PRG is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.05, which indicates a rather cheap valuation of PRG.
- PRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PRG is cheaper than 75.93% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, PRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 7.05 |
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.
- Based on the Price/Free Cash Flow ratio, PRG is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.46 | ||
| EV/EBITDA | 0.95 |
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.
- PRG's earnings are expected to grow with 25.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y22.87%
EPS Next 3Y25.13%
5. PRG Dividend Analysis
5.1 Amount
- PRG has a Yearly Dividend Yield of 1.48%.
- PRG's Dividend Yield is comparable with the industry average which is at 3.10.
- PRG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
5.2 History
- On average, the dividend of PRG grows each year by 29.76%, which is quite nice.
- PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of PRG decreased recently.
Dividend Growth(5Y)29.76%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- PRG pays out 14.15% of its income as dividend. This is a sustainable payout ratio.
- The dividend of PRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.15%
EPS Next 2Y22.87%
EPS Next 3Y25.13%
PRG Fundamentals: All Metrics, Ratios and Statistics
36.19
+0.36 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)04-29 2026-04-29/bmo
Earnings (Next)07-21 2026-07-21
Inst Owners107.58%
Inst Owner Change-0.72%
Ins Owners3.79%
Ins Owner Change7.62%
Market Cap1.45B
Revenue(TTM)2.41B
Net Income(TTM)146.79M
Analysts78.33
Price Target42.93 (18.62%)
Short Float %8.31%
Short Ratio5.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend0.52
Dividend Growth(5Y)29.76%
DP14.15%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-12 2026-03-12 (0.14)
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)-2.78%
PT rev (3m)6.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.07%
EPS NY rev (1m)1.95%
EPS NY rev (3m)17.2%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)12.04%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)12.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.68 | ||
| Fwd PE | 7.05 | ||
| P/S | 0.6 | ||
| P/FCF | 4.46 | ||
| P/OCF | 4.33 | ||
| P/B | 1.94 | ||
| P/tB | 3.69 | ||
| EV/EBITDA | 0.95 |
EPS(TTM)3.74
EY10.33%
EPS(NY)5.13
Fwd EY14.18%
FCF(TTM)8.11
FCFY22.41%
OCF(TTM)8.36
OCFY23.1%
SpS60.14
BVpS18.63
TBVpS9.8
PEG (NY)0.36
PEG (5Y)N/A
Graham Number39.597 (9.41%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 4.51 |
F-Score6
WACC7.62%
ROIC/WACC1.29
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)10.32%
EPS 3Y9.21%
EPS 5Y-6.59%
EPS Q2Q%37.78%
EPS Next Y27.07%
EPS Next 2Y22.87%
EPS Next 3Y25.13%
EPS Next 5Y12.25%
Revenue 1Y (TTM)0.42%
Revenue growth 3Y-2.48%
Revenue growth 5Y-0.61%
Sales Q2Q%8.56%
Revenue Next Year19.57%
Revenue Next 2Y13.59%
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 Year60.52%
EBIT Next 3Y25.63%
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.
What is the valuation status of PROG HOLDINGS INC (PRG) stock?
ChartMill assigns a valuation rating of 7 / 10 to PROG HOLDINGS INC (PRG). This can be considered as Undervalued.
Can you provide the profitability details for PROG HOLDINGS INC?
PROG HOLDINGS INC (PRG) has a profitability rating of 5 / 10.
What is the earnings growth outlook for PROG HOLDINGS INC?
The Earnings per Share (EPS) of PROG HOLDINGS INC (PRG) is expected to grow by 27.07% in the next year.
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 14.15%.