PROG HOLDINGS INC (PRG) Stock Fundamental Analysis

NYSE:PRG • US74319R1014

33.87 USD
+0.5 (+1.5%)
At close: Feb 17, 2026
36.39 USD
+2.52 (+7.44%)
Pre-Market: 2/18/2026, 8:01:08 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

PRG gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals 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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

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.
  • Of the past 5 years PRG 4 years were profitable.
  • In the past 5 years PRG always reported a positive cash flow from operatings.
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 0 100M 200M 300M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 10.60%, PRG belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
  • PRG has a better Return On Equity (23.29%) than 79.63% of its industry peers.
  • The Return On Invested Capital of PRG (11.22%) is better than 81.48% 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 12.20%.
Industry RankSector 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%
PRG Yearly ROA, ROE, ROICPRG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

  • With a Profit Margin value of 6.54%, PRG is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of PRG has grown nicely.
  • PRG's Operating Margin of 8.88% is in line compared to the rest of the industry. PRG outperforms 46.30% of its industry peers.
  • In the last couple of years the Operating Margin of PRG has grown nicely.
Industry RankSector 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
PRG Yearly Profit, Operating, Gross MarginsPRG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

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.
PRG Yearly Shares OutstandingPRG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B

2.2 Solvency

  • PRG has an Altman-Z score of 4.66. 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 4.66, PRG belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • The Debt to FCF ratio of PRG is 2.01, which is a good value as it means it would take PRG, 2.01 years of fcf income to pay off all of its debts.
  • PRG has a better Debt to FCF ratio (2.01) than 85.19% 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 68.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 2.01
Altman-Z 4.66
ROIC/WACC1.54
WACC7.28%
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 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 2.82 indicates that PRG has no problem at all paying its short term obligations.
  • The Current ratio of PRG (2.82) is better than 79.63% of its industry peers.
  • PRG has a Quick Ratio of 2.82. This indicates that PRG is financially healthy and has no problem in meeting its short term obligations.
  • With a decent Quick ratio value of 2.82, PRG is doing good in the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.82
Quick Ratio 2.82
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 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • PRG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.71%.
  • 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

  • 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.
  • Based on estimates for the next years, PRG will show a small growth in Revenue. The Revenue will grow by 2.16% on average per year.
EPS Next Y1.41%
EPS Next 2Y3.79%
EPS Next 3Y11.98%
EPS Next 5Y6.81%
Revenue Next Year0.69%
Revenue Next 2Y3.43%
Revenue Next 3Y4.26%
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.
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 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 1 2 3 4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.36 indicates a reasonable valuation of PRG.
  • PRG's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.16. PRG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.25, the valuation of PRG can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRG is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, PRG is valued rather cheaply.
Industry RankSector Rank
PE 9.36
Fwd PE 9.25
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

  • PRG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PRG is cheaper than 92.59% 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 66.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.53
EV/EBITDA 0.88
PRG Per share dataPRG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)6.64
PEG (5Y)N/A
EPS Next 2Y3.79%
EPS Next 3Y11.98%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.56%, PRG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.98, PRG has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, PRG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.56%

5.2 History

  • The dividend of PRG is nicely growing with an annual growth rate of 39.80%!
  • PRG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)39.8%
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 2 4 6 8

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 2Y3.79%
EPS Next 3Y11.98%
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 0 100M 200M 300M 400M
PRG Dividend Payout.PRG Dividend Payout, showing the Payout Ratio.PRG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PROG HOLDINGS INC

NYSE:PRG (2/17/2026, 8:04:00 PM)

Premarket: 36.39 +2.52 (+7.44%)

33.87

+0.5 (+1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-22
Earnings (Next)02-18
Inst Owners104.89%
Inst Owner Change4.08%
Ins Owners1.85%
Ins Owner Change0%
Market Cap1.34B
Revenue(TTM)2.51B
Net Income(TTM)163.87M
Analysts78.33
Price Target40.55 (19.72%)
Short Float %8.01%
Short Ratio6.23
Dividend
Industry RankSector Rank
Dividend Yield 1.56%
Yearly Dividend0.48
Dividend Growth(5Y)39.8%
DP12.57%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-0.93%
PT rev (3m)1.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.84%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 9.36
Fwd PE 9.25
P/S 0.53
P/FCF 4.53
P/OCF 4.39
P/B 1.9
P/tB 3.87
EV/EBITDA 0.88
EPS(TTM)3.62
EY10.69%
EPS(NY)3.66
Fwd EY10.81%
FCF(TTM)7.48
FCFY22.07%
OCF(TTM)7.72
OCFY22.8%
SpS63.39
BVpS17.79
TBVpS8.74
PEG (NY)6.64
PEG (5Y)N/A
Graham Number38.06
Profitability
Industry RankSector 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 RankSector 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 4.66
F-Score6
WACC7.28%
ROIC/WACC1.54
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 Y1.41%
EPS Next 2Y3.79%
EPS Next 3Y11.98%
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 2Y3.43%
Revenue Next 3Y4.26%
Revenue Next 5Y2.16%
EBIT growth 1Y5.18%
EBIT growth 3Y-13.27%
EBIT growth 5Y-7.29%
EBIT Next Year34.32%
EBIT Next 3Y17.06%
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.


Can you provide the valuation status for PROG HOLDINGS INC?

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.


Can you provide the PE and PB ratios for PRG stock?

The Price/Earnings (PE) ratio for PROG HOLDINGS INC (PRG) is 9.36 and the Price/Book (PB) ratio is 1.9.


Can you provide the financial health for PRG stock?

The financial health rating of PROG HOLDINGS INC (PRG) is 8 / 10.