PROPEL HOLDINGS INC (PRL.CA) Fundamental Analysis & Valuation

TSX:PRL • CA74349D1069

Current stock price

18.15 CAD
+0.18 (+1%)
Last:

This PRL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. PRL.CA Profitability Analysis

1.1 Basic Checks

  • In the past year PRL was profitable.
  • PRL had a negative operating cash flow in the past year.
  • In the past 5 years PRL has always been profitable.
  • In the past 5 years PRL always reported negative operating cash flow.
PRL.CA Yearly Net Income VS EBIT VS OCF VS FCFPRL.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • PRL's Return On Assets of 8.86% is amongst the best of the industry. PRL outperforms 100.00% of its industry peers.
  • PRL has a Return On Equity of 22.79%. This is amongst the best in the industry. PRL outperforms 85.71% of its industry peers.
  • PRL has a Return On Invested Capital of 13.63%. This is amongst the best in the industry. PRL outperforms 85.71% of its industry peers.
  • PRL had an Average Return On Invested Capital over the past 3 years of 14.36%. This is above the industry average of 10.17%.
Industry RankSector Rank
ROA 8.86%
ROE 22.79%
ROIC 13.63%
ROA(3y)8.45%
ROA(5y)7.13%
ROE(3y)24.07%
ROE(5y)19.89%
ROIC(3y)14.36%
ROIC(5y)12.43%
PRL.CA Yearly ROA, ROE, ROICPRL.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

1.3 Margins

  • PRL has a Profit Margin of 10.09%. This is comparable to the rest of the industry: PRL outperforms 57.14% of its industry peers.
  • PRL's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of PRL (19.17%) is better than 71.43% of its industry peers.
  • PRL's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 19.17%
PM (TTM) 10.09%
GM N/A
OM growth 3Y12.54%
OM growth 5Y-1%
PM growth 3Y14.81%
PM growth 5Y0.22%
GM growth 3YN/A
GM growth 5YN/A
PRL.CA Yearly Profit, Operating, Gross MarginsPRL.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

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5

2. PRL.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PRL is creating value.
  • The number of shares outstanding for PRL has been increased compared to 1 year ago.
  • PRL has more shares outstanding than it did 5 years ago.
  • PRL has a worse debt/assets ratio than last year.
PRL.CA Yearly Shares OutstandingPRL.CA Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
PRL.CA Yearly Total Debt VS Total AssetsPRL.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • PRL has an Altman-Z score of 2.48. This is not the best score and indicates that PRL is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.48, PRL belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
  • A Debt/Equity ratio of 1.25 is on the high side and indicates that PRL has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.25, PRL perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.25
Debt/FCF N/A
Altman-Z 2.48
ROIC/WACC1.72
WACC7.92%
PRL.CA Yearly LT Debt VS Equity VS FCFPRL.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 2.16 indicates that PRL has no problem at all paying its short term obligations.
  • PRL has a Current ratio of 2.16. This is in the better half of the industry: PRL outperforms 71.43% of its industry peers.
  • A Quick Ratio of 2.16 indicates that PRL has no problem at all paying its short term obligations.
  • PRL has a Quick ratio of 2.16. This is in the better half of the industry: PRL outperforms 71.43% of its industry peers.
Industry RankSector Rank
Current Ratio 2.16
Quick Ratio 2.16
PRL.CA Yearly Current Assets VS Current LiabilitesPRL.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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

8

3. PRL.CA Growth Analysis

3.1 Past

  • PRL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.47%.
  • The Earnings Per Share has been growing by 45.84% on average over the past years. This is a very strong growth
  • Looking at the last year, PRL shows a very strong growth in Revenue. The Revenue has grown by 31.15%.
  • PRL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 51.68% yearly.
EPS 1Y (TTM)-2.47%
EPS 3Y40.98%
EPS 5Y45.84%
EPS Q2Q%-54.76%
Revenue 1Y (TTM)31.15%
Revenue growth 3Y37.51%
Revenue growth 5Y51.68%
Sales Q2Q%20.49%

3.2 Future

  • Based on estimates for the next years, PRL will show a very strong growth in Earnings Per Share. The EPS will grow by 46.69% on average per year.
  • PRL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.96% yearly.
EPS Next Y53.64%
EPS Next 2Y46.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.62%
Revenue Next 2Y26.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
PRL.CA Yearly Revenue VS EstimatesPRL.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
PRL.CA Yearly EPS VS EstimatesPRL.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. PRL.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.36, the valuation of PRL can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as PRL.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, PRL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.44 indicates a rather cheap valuation of PRL.
  • Based on the Price/Forward Earnings ratio, PRL is valued a bit cheaper than 71.43% of the companies in the same industry.
  • PRL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 8.36
Fwd PE 5.44
PRL.CA Price Earnings VS Forward Price EarningsPRL.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PRL.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.84
PRL.CA Per share dataPRL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

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.
  • A more expensive valuation may be justified as PRL's earnings are expected to grow with 46.69% in the coming years.
PEG (NY)0.16
PEG (5Y)0.18
EPS Next 2Y46.69%
EPS Next 3YN/A

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

6

5. PRL.CA Dividend Analysis

5.1 Amount

  • PRL has a Yearly Dividend Yield of 5.00%, which is a nice return.
  • In the last 3 months the price of PRL has falen by -28.09%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • PRL's Dividend Yield is rather good when compared to the industry average which is at 3.25. PRL pays more dividend than 85.71% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, PRL pays a better dividend.
Industry RankSector Rank
Dividend Yield 5%

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
PRL.CA Yearly Dividends per sharePRL.CA Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • PRL pays out 35.32% of its income as dividend. This is a sustainable payout ratio.
DP35.32%
EPS Next 2Y46.69%
EPS Next 3YN/A
PRL.CA Yearly Income VS Free CF VS DividendPRL.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M -100M
PRL.CA Dividend Payout.PRL.CA Dividend Payout, showing the Payout Ratio.PRL.CA Dividend Payout.PayoutRetained Earnings

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PRL.CA Fundamentals: All Metrics, Ratios and Statistics

PROPEL HOLDINGS INC

TSX:PRL (3/24/2026, 7:00:00 PM)

18.15

+0.18 (+1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)05-01
Inst Owners6.25%
Inst Owner ChangeN/A
Ins Owners22.34%
Ins Owner ChangeN/A
Market Cap714.38M
Revenue(TTM)589.81M
Net Income(TTM)59.52M
Analysts81.67
Price Target38.99 (114.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5%
Yearly Dividend0.74
Dividend Growth(5Y)N/A
DP35.32%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-36.09%
Min EPS beat(2)-52.29%
Max EPS beat(2)-19.88%
EPS beat(4)0
Avg EPS beat(4)-18.4%
Min EPS beat(4)-52.29%
Max EPS beat(4)-0.52%
EPS beat(8)2
Avg EPS beat(8)-6.56%
EPS beat(12)6
Avg EPS beat(12)1.47%
EPS beat(16)8
Avg EPS beat(16)-1.61%
Revenue beat(2)0
Avg Revenue beat(2)-4.93%
Min Revenue beat(2)-6.59%
Max Revenue beat(2)-3.28%
Revenue beat(4)1
Avg Revenue beat(4)-2.63%
Min Revenue beat(4)-6.59%
Max Revenue beat(4)1.22%
Revenue beat(8)4
Avg Revenue beat(8)-0.6%
Revenue beat(12)5
Avg Revenue beat(12)-0.78%
Revenue beat(16)7
Avg Revenue beat(16)-0.43%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-15.92%
EPS NQ rev (3m)-15.92%
EPS NY rev (1m)-2.08%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)-6.54%
Revenue NQ rev (3m)-6.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.79%
Valuation
Industry RankSector Rank
PE 8.36
Fwd PE 5.44
P/S 0.88
P/FCF N/A
P/OCF N/A
P/B 1.99
P/tB 2.86
EV/EBITDA 6.84
EPS(TTM)2.17
EY11.96%
EPS(NY)3.34
Fwd EY18.39%
FCF(TTM)-1.25
FCFYN/A
OCF(TTM)-0.89
OCFYN/A
SpS20.6
BVpS9.12
TBVpS6.35
PEG (NY)0.16
PEG (5Y)0.18
Graham Number21.11
Profitability
Industry RankSector Rank
ROA 8.86%
ROE 22.79%
ROCE 18.22%
ROIC 13.63%
ROICexc 14.18%
ROICexgc 17.08%
OM 19.17%
PM (TTM) 10.09%
GM N/A
FCFM N/A
ROA(3y)8.45%
ROA(5y)7.13%
ROE(3y)24.07%
ROE(5y)19.89%
ROIC(3y)14.36%
ROIC(5y)12.43%
ROICexc(3y)14.98%
ROICexc(5y)12.99%
ROICexgc(3y)17.45%
ROICexgc(5y)14.79%
ROCE(3y)19.19%
ROCE(5y)16.69%
ROICexgc growth 3Y17.09%
ROICexgc growth 5Y-10.46%
ROICexc growth 3Y12.43%
ROICexc growth 5Y-10.2%
OM growth 3Y12.54%
OM growth 5Y-1%
PM growth 3Y14.81%
PM growth 5Y0.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.88
Health
Industry RankSector Rank
Debt/Equity 1.25
Debt/FCF N/A
Debt/EBITDA 2.68
Cap/Depr 113.17%
Cap/Sales 1.73%
Interest Coverage 3.49
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.16
Quick Ratio 2.16
Altman-Z 2.48
F-Score4
WACC7.92%
ROIC/WACC1.72
Cap/Depr(3y)517.57%
Cap/Depr(5y)360.75%
Cap/Sales(3y)6.48%
Cap/Sales(5y)4.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.47%
EPS 3Y40.98%
EPS 5Y45.84%
EPS Q2Q%-54.76%
EPS Next Y53.64%
EPS Next 2Y46.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.15%
Revenue growth 3Y37.51%
Revenue growth 5Y51.68%
Sales Q2Q%20.49%
Revenue Next Year30.62%
Revenue Next 2Y26.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.38%
EBIT growth 3Y54.76%
EBIT growth 5Y50.16%
EBIT Next Year11.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y71.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y53.57%
OCF growth 3YN/A
OCF growth 5YN/A

PROPEL HOLDINGS INC / PRL.CA Fundamental Analysis FAQ

What is the fundamental rating for PRL stock?

ChartMill assigns a fundamental rating of 6 / 10 to PRL.CA.


What is the valuation status for PRL stock?

ChartMill assigns a valuation rating of 6 / 10 to PROPEL HOLDINGS INC (PRL.CA). This can be considered as Fairly Valued.


How profitable is PROPEL HOLDINGS INC (PRL.CA) stock?

PROPEL HOLDINGS INC (PRL.CA) has a profitability rating of 5 / 10.


What is the expected EPS growth for PROPEL HOLDINGS INC (PRL.CA) stock?

The Earnings per Share (EPS) of PROPEL HOLDINGS INC (PRL.CA) is expected to grow by 53.64% in the next year.


Is the dividend of PROPEL HOLDINGS INC sustainable?

The dividend rating of PROPEL HOLDINGS INC (PRL.CA) is 6 / 10 and the dividend payout ratio is 35.32%.