PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - TSX:PRL - CA74349D1069 - Common Stock
27.08 CAD
+0.61 (+2.3%)
Taking everything into account, PRL scores 7 out of 10 in our fundamental rating. PRL was compared to 6 industry peers in the Consumer Finance industry. While PRL has a great profitability rating, there are some minor concerns on its financial health. PRL has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! This makes PRL very considerable for value and growth investing!
1. Profitability
1.1 Basic Checks
PRL had positive earnings in the past year.
In the past year PRL has reported a negative cash flow from operations.
Each year in the past 5 years PRL has been profitable.
In the past 5 years PRL always reported negative operating cash flow.
1.2 Ratios
PRL's Return On Assets of 10.04% is amongst the best of the industry. PRL outperforms 83.33% of its industry peers.
With an excellent Return On Equity value of 24.27%, PRL belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
With an excellent Return On Invested Capital value of 15.38%, PRL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PRL is above the industry average of 10.69%.
The last Return On Invested Capital (15.38%) for PRL is above the 3 year average (12.82%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.04% | ||
| ROE | 24.27% | ||
| ROIC | 15.38% |
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 Profit Margin of 11.49%. This is in the better half of the industry: PRL outperforms 66.67% of its industry peers.
In the last couple of years the Profit Margin of PRL has grown nicely.
PRL's Operating Margin of 21.62% is amongst the best of the industry. PRL outperforms 83.33% of its industry peers.
PRL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.62% | ||
| PM (TTM) | 11.49% | ||
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PRL is still creating some value.
Compared to 1 year ago, PRL has more shares outstanding
Compared to 5 years ago, PRL has more shares outstanding
Compared to 1 year ago, PRL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.03 indicates that PRL is not in any danger for bankruptcy at the moment.
The Altman-Z score of PRL (3.03) is better than 83.33% of its industry peers.
PRL has a Debt/Equity ratio of 1.12. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.12, PRL is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.12 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.03 |
ROIC/WACC1.43
WACC10.77%
2.3 Liquidity
A Current Ratio of 1.72 indicates that PRL should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.72, PRL belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
PRL has a Quick Ratio of 1.72. This is a normal value and indicates that PRL is financially healthy and should not expect problems in meeting its short term obligations.
PRL has a Quick ratio of 1.72. This is amongst the best in the industry. PRL outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 33.33% over the past year.
The Earnings Per Share has been growing by 83.89% on average over the past years. This is a very strong growth
The Revenue has grown by 38.16% in the past year. This is a very strong growth!
PRL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 45.92% yearly.
EPS 1Y (TTM)33.33%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%9.52%
Revenue 1Y (TTM)38.16%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%33.91%
3.2 Future
The Earnings Per Share is expected to grow by 33.66% on average over the next years. This is a very strong growth
Based on estimates for the next years, PRL will show a very strong growth in Revenue. The Revenue will grow by 30.18% on average per year.
EPS Next Y33.42%
EPS Next 2Y35.15%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue Next Year36.97%
Revenue Next 2Y32.66%
Revenue Next 3Y30.18%
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 10.79 indicates a reasonable valuation of PRL.
Based on the Price/Earnings ratio, PRL is valued a bit cheaper than 66.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of PRL to the average of the S&P500 Index (27.91), we can say PRL is valued rather cheaply.
The Price/Forward Earnings ratio is 6.56, which indicates a rather cheap valuation of PRL.
100.00% of the companies in the same industry are more expensive than PRL, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PRL to the average of the S&P500 Index (23.30), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
PRL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PRL is cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.32 |
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.
PRL has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as PRL's earnings are expected to grow with 33.66% in the coming years.
PEG (NY)0.32
PEG (5Y)0.13
EPS Next 2Y35.15%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 2.74%.
In the last 3 months the price of PRL has falen by -25.38%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.10, PRL pays a better dividend. On top of this PRL pays more dividend than 83.33% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, PRL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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
28.38% of the earnings are spent on dividend by PRL. This is a low number and sustainable payout ratio.
DP28.38%
EPS Next 2Y35.15%
EPS Next 3Y33.66%
TSX:PRL (10/8/2025, 7:00:00 PM)
27.08
+0.61 (+2.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners4.7%
Inst Owner ChangeN/A
Ins Owners22.33%
Ins Owner ChangeN/A
Market Cap1.07B
Analysts81.82
Price Target47.48 (75.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend0.53
Dividend Growth(5Y)N/A
DP28.38%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.72%
Min EPS beat(2)-0.91%
Max EPS beat(2)-0.52%
EPS beat(4)0
Avg EPS beat(4)-3.22%
Min EPS beat(4)-6.65%
Max EPS beat(4)-0.52%
EPS beat(8)4
Avg EPS beat(8)9.36%
EPS beat(12)7
Avg EPS beat(12)4.38%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.33%
Min Revenue beat(2)-1.89%
Max Revenue beat(2)1.22%
Revenue beat(4)2
Avg Revenue beat(4)-0.14%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)1.22%
Revenue beat(8)5
Avg Revenue beat(8)0.54%
Revenue beat(12)6
Avg Revenue beat(12)0.19%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)6.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.98%
EPS NY rev (1m)-1%
EPS NY rev (3m)-9.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 6.56 | ||
| P/S | 1.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.05 | ||
| P/tB | 4.39 | ||
| EV/EBITDA | 8.32 |
EPS(TTM)2.51
EY9.27%
EPS(NY)4.13
Fwd EY15.25%
FCF(TTM)-3.14
FCFYN/A
OCF(TTM)-0.53
OCFYN/A
SpS18.74
BVpS8.87
TBVpS6.16
PEG (NY)0.32
PEG (5Y)0.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.04% | ||
| ROE | 24.27% | ||
| ROCE | 20.9% | ||
| ROIC | 15.38% | ||
| ROICexc | 16.13% | ||
| ROICexgc | 19.72% | ||
| OM | 21.62% | ||
| PM (TTM) | 11.49% | ||
| 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 Turnover0.87
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.12 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.3 | ||
| Cap/Depr | 1017.82% | ||
| Cap/Sales | 13.91% | ||
| Interest Coverage | 3.6 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 | ||
| Altman-Z | 3.03 |
F-Score4
WACC10.77%
ROIC/WACC1.43
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)33.33%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%9.52%
EPS Next Y33.42%
EPS Next 2Y35.15%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue 1Y (TTM)38.16%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%33.91%
Revenue Next Year36.97%
Revenue Next 2Y32.66%
Revenue Next 3Y30.18%
Revenue Next 5YN/A
EBIT growth 1Y39.93%
EBIT growth 3Y81.18%
EBIT growth 5Y72.68%
EBIT Next Year56.89%
EBIT Next 3Y38.52%
EBIT Next 5YN/A
FCF growth 1Y-55.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.97%
OCF growth 3YN/A
OCF growth 5YN/A