PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
TSX:PRL - Toronto Stock Exchange - CA74349D1069 - Common Stock - Currency: CAD
Overall PRL gets a fundamental rating of 6 out of 10. We evaluated PRL against 7 industry peers in the Consumer Finance industry. While PRL belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PRL is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year PRL was profitable.
In the past year PRL has reported a negative cash flow from operations.
Each year in the past 5 years PRL has been profitable.
PRL had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
PRL has a Return On Assets of 8.42%. This is amongst the best in the industry. PRL outperforms 85.71% of its industry peers.
Looking at the Return On Equity, with a value of 22.07%, PRL is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
PRL has a better Return On Invested Capital (14.41%) than 100.00% of its industry peers.
PRL had an Average Return On Invested Capital over the past 3 years of 12.82%. This is above the industry average of 10.30%.
The 3 year average ROIC (12.82%) for PRL is below the current ROIC(14.41%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.42% | ||
| ROE | 22.07% | ||
| ROIC | 14.41% |
ROA(3y)7.46%
ROA(5y)7.21%
ROE(3y)22.65%
ROE(5y)32.76%
ROIC(3y)12.82%
ROIC(5y)13.83%
1.3 Margins
PRL has a better Profit Margin (10.31%) than 71.43% of its industry peers.
In the last couple of years the Profit Margin of PRL has grown nicely.
Looking at the Operating Margin, with a value of 21.42%, PRL belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
PRL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.42% | ||
| PM (TTM) | 10.31% | ||
| GM | N/A |
OM growth 3Y19.69%
OM growth 5Y18.33%
PM growth 3Y26.77%
PM growth 5Y28.57%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PRL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, PRL has more shares outstanding
PRL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PRL has been reduced compared to a year ago.
2.2 Solvency
PRL has an Altman-Z score of 3.22. This indicates that PRL is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.22, PRL belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
PRL has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
PRL has a worse Debt to Equity ratio (1.27) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.22 |
ROIC/WACC1.81
WACC7.98%
2.3 Liquidity
A Current Ratio of 1.50 indicates that PRL should not have too much problems paying its short term obligations.
PRL has a better Current ratio (1.50) than 71.43% of its industry peers.
A Quick Ratio of 1.50 indicates that PRL should not have too much problems paying its short term obligations.
PRL has a better Quick ratio (1.50) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 |
3. Growth
3.1 Past
PRL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 65.31%, which is quite impressive.
PRL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 83.89% yearly.
PRL shows a strong growth in Revenue. In the last year, the Revenue has grown by 42.10%.
Measured over the past years, PRL shows a very strong growth in Revenue. The Revenue has been growing by 45.92% on average per year.
EPS 1Y (TTM)65.31%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%44.83%
Revenue 1Y (TTM)42.1%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%34.68%
3.2 Future
PRL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.61% yearly.
Based on estimates for the next years, PRL will show a very strong growth in Revenue. The Revenue will grow by 25.82% on average per year.
EPS Next Y47.29%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
EPS Next 5YN/A
Revenue Next Year38.44%
Revenue Next 2Y31.26%
Revenue Next 3Y25.82%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.44 indicates a correct valuation of PRL.
PRL's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.25. PRL is valued slightly cheaper when compared to this.
PRL is valuated reasonably with a Price/Forward Earnings ratio of 9.82.
Based on the Price/Forward Earnings ratio, PRL is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
PRL is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.44 | ||
| Fwd PE | 9.82 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRL is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.61 |
4.3 Compensation for Growth
PRL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of PRL may justify a higher PE ratio.
A more expensive valuation may be justified as PRL's earnings are expected to grow with 37.61% in the coming years.
PEG (NY)0.31
PEG (5Y)0.17
EPS Next 2Y39.89%
EPS Next 3Y37.61%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 2.16%.
PRL's Dividend Yield is rather good when compared to the industry average which is at 3.03. PRL pays more dividend than 85.71% of the companies in the same industry.
PRL's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
5.2 History
PRL has been paying a dividend for over 5 years, so it has already some track record.
PRL has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
PRL pays out 30.16% of its income as dividend. This is a sustainable payout ratio.
DP30.16%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
TSX:PRL (5/16/2025, 7:00:00 PM)
32.79
-0.61 (-1.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners5.13%
Inst Owner ChangeN/A
Ins Owners22.08%
Ins Owner ChangeN/A
Market Cap1.27B
Analysts82
Price Target44.42 (35.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
Yearly Dividend0.53
Dividend Growth(5Y)N/A
DP30.16%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.72%
Min EPS beat(2)-6.65%
Max EPS beat(2)-4.8%
EPS beat(4)2
Avg EPS beat(4)5.29%
Min EPS beat(4)-6.65%
Max EPS beat(4)19.18%
EPS beat(8)6
Avg EPS beat(8)11.41%
EPS beat(12)8
Avg EPS beat(12)3.99%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.06%
Min Revenue beat(2)-0.51%
Max Revenue beat(2)0.63%
Revenue beat(4)3
Avg Revenue beat(4)1.43%
Min Revenue beat(4)-0.51%
Max Revenue beat(4)4.08%
Revenue beat(8)4
Avg Revenue beat(8)0.15%
Revenue beat(12)6
Avg Revenue beat(12)0.31%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.24%
PT rev (3m)-9.39%
EPS NQ rev (1m)-5.03%
EPS NQ rev (3m)-14.89%
EPS NY rev (1m)-1.5%
EPS NY rev (3m)-8.76%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.44 | ||
| Fwd PE | 9.82 | ||
| P/S | 2.03 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.34 | ||
| P/tB | 6.5 | ||
| EV/EBITDA | 11.61 |
EPS(TTM)2.27
EY6.92%
EPS(NY)3.34
Fwd EY10.18%
FCF(TTM)-4.56
FCFYN/A
OCF(TTM)-1.97
OCFYN/A
SpS16.19
BVpS7.56
TBVpS5.05
PEG (NY)0.31
PEG (5Y)0.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.42% | ||
| ROE | 22.07% | ||
| ROCE | 19.58% | ||
| ROIC | 14.41% | ||
| ROICexc | 15.04% | ||
| ROICexgc | 18.37% | ||
| OM | 21.42% | ||
| PM (TTM) | 10.31% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)7.46%
ROA(5y)7.21%
ROE(3y)22.65%
ROE(5y)32.76%
ROIC(3y)12.82%
ROIC(5y)13.83%
ROICexc(3y)13.36%
ROICexc(5y)14.76%
ROICexgc(3y)15.05%
ROICexgc(5y)17.03%
ROCE(3y)17.45%
ROCE(5y)19.27%
ROICexcg growth 3Y19.37%
ROICexcg growth 5Y5.59%
ROICexc growth 3Y15.17%
ROICexc growth 5Y4.68%
OM growth 3Y19.69%
OM growth 5Y18.33%
PM growth 3Y26.77%
PM growth 5Y28.57%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.62 | ||
| Cap/Depr | 1311.08% | ||
| Cap/Sales | 15.99% | ||
| Interest Coverage | 3.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.5 | ||
| Quick Ratio | 1.5 | ||
| Altman-Z | 3.22 |
F-Score4
WACC7.98%
ROIC/WACC1.81
Cap/Depr(3y)531.9%
Cap/Depr(5y)355.49%
Cap/Sales(3y)6.68%
Cap/Sales(5y)5.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)65.31%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%44.83%
EPS Next Y47.29%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
EPS Next 5YN/A
Revenue 1Y (TTM)42.1%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%34.68%
Revenue Next Year38.44%
Revenue Next 2Y31.26%
Revenue Next 3Y25.82%
Revenue Next 5YN/A
EBIT growth 1Y59%
EBIT growth 3Y81.18%
EBIT growth 5Y72.68%
EBIT Next Year66.73%
EBIT Next 3Y38.52%
EBIT Next 5YN/A
FCF growth 1Y-291.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-103.45%
OCF growth 3YN/A
OCF growth 5YN/A