PROG HOLDINGS INC (PRG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRG - US74319R1014 - Common Stock
30.31 USD
-0.17 (-0.56%)
Overall PRG gets a fundamental rating of 6 out of 10. We evaluated PRG against 55 industry peers in the Consumer Finance industry. PRG has an excellent financial health rating, but there are some minor concerns on its profitability. PRG is not valued too expensively and it also shows a decent growth rate.
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.
PRG had positive earnings in 4 of the past 5 years.
In the past 5 years PRG always reported a positive cash flow from operatings.
1.2 Ratios
PRG has a better Return On Assets (10.60%) than 85.45% of its industry peers.
The Return On Equity of PRG (23.29%) is better than 81.82% of its industry peers.
PRG's Return On Invested Capital of 11.22% is amongst the best of the industry. PRG outperforms 81.82% 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 12.44%.
| 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's Profit Margin of 6.54% is on the low side compared to the rest of the industry. PRG is outperformed by 63.64% 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 8.88%, PRG is in line with its industry, outperforming 49.09% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PRG is still creating some value.
The number of shares outstanding for PRG has been reduced compared to 1 year ago.
Compared to 5 years ago, PRG has less shares outstanding
Compared to 1 year ago, PRG has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.57 indicates that PRG is not in any danger for bankruptcy at the moment.
PRG has a Altman-Z score of 4.57. This is amongst the best in the industry. PRG outperforms 94.55% 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.
PRG has a Debt to FCF ratio of 2.01. This is amongst the best in the industry. PRG outperforms 87.27% of its industry peers.
PRG has a Debt/Equity ratio of 0.85. This is a neutral value indicating PRG is somewhat dependend on debt financing.
PRG has a Debt to Equity ratio of 0.85. This is in the better half 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 | 4.57 |
ROIC/WACC1.46
WACC7.67%
2.3 Liquidity
PRG has a Current Ratio of 2.82. 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 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.
Looking at the Quick 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.
| 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.
PRG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.66% yearly.
Looking at the last year, PRG shows a small growth in Revenue. The Revenue has grown by 3.71% in the last year.
Measured over the past years, PRG shows a decrease in Revenue. The Revenue has been decreasing by -9.00% on average per year.
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
PRG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.81% yearly.
PRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.16% yearly.
EPS Next Y1.46%
EPS Next 2Y5.13%
EPS Next 3Y12.69%
EPS Next 5Y6.81%
Revenue Next Year0.69%
Revenue Next 2Y3.8%
Revenue Next 3Y4.8%
Revenue Next 5Y2.16%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 8.37, which indicates a very decent 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 67.27% of the companies listed in the same industry.
PRG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.92.
With a Price/Forward Earnings ratio of 8.07, the valuation of PRG can be described as very reasonable.
70.91% of the companies in the same industry are more expensive than PRG, based on the Price/Forward Earnings ratio.
PRG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 8.07 |
4.2 Price Multiples
94.55% 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 69.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.05 | ||
| EV/EBITDA | 0.8 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PRG does not grow enough to justify the current Price/Earnings ratio.
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 12.69% in the coming years.
PEG (NY)5.75
PEG (5Y)N/A
EPS Next 2Y5.13%
EPS Next 3Y12.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.70%, PRG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.59, PRG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, PRG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.7% |
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
12.57% 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.
DP12.57%
EPS Next 2Y5.13%
EPS Next 3Y12.69%
NYSE:PRG (12/29/2025, 1:11:47 PM)
30.31
-0.17 (-0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.56%
Inst Owner Change2.25%
Ins Owners1.85%
Ins Owner Change0%
Market Cap1.20B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts78.18
Price Target40.93 (35.04%)
Short Float %6.07%
Short Ratio5.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.7% |
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)4.41%
PT rev (3m)4.03%
EPS NQ rev (1m)-1.73%
EPS NQ rev (3m)-11.23%
EPS NY rev (1m)0.81%
EPS NY rev (3m)2.45%
Revenue NQ rev (1m)-0.58%
Revenue NQ rev (3m)-2.37%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 8.07 | ||
| P/S | 0.48 | ||
| P/FCF | 4.05 | ||
| P/OCF | 3.93 | ||
| P/B | 1.7 | ||
| P/tB | 3.47 | ||
| EV/EBITDA | 0.8 |
EPS(TTM)3.62
EY11.94%
EPS(NY)3.76
Fwd EY12.4%
FCF(TTM)7.48
FCFY24.66%
OCF(TTM)7.72
OCFY25.47%
SpS63.39
BVpS17.79
TBVpS8.74
PEG (NY)5.75
PEG (5Y)N/A
Graham Number38.06
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 | 4.57 |
F-Score6
WACC7.67%
ROIC/WACC1.46
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 Y1.46%
EPS Next 2Y5.13%
EPS Next 3Y12.69%
EPS Next 5Y6.81%
Revenue 1Y (TTM)3.71%
Revenue growth 3Y-2.74%
Revenue growth 5Y-9%
Sales Q2Q%-1.82%
Revenue Next Year0.69%
Revenue Next 2Y3.8%
Revenue Next 3Y4.8%
Revenue Next 5Y2.16%
EBIT growth 1Y5.18%
EBIT growth 3Y-13.27%
EBIT growth 5Y-7.29%
EBIT Next Year34.32%
EBIT Next 3Y17.45%
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 8.37 and the Price/Book (PB) ratio is 1.7.
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%.