PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
TSX:PRL - Toronto Stock Exchange - CA74349D1069 - Common Stock - Currency: CAD
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. PRL has an excellent profitability rating, but there are some minor concerns on its financial health. PRL is not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, PRL could be worth investigating further for 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 10.14% is amongst the best of the industry. PRL outperforms 83.33% of its industry peers.
Looking at the Return On Equity, with a value of 24.37%, PRL belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
PRL has a Return On Invested Capital of 15.77%. This is amongst the best in the industry. PRL outperforms 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 10.42%.
The last Return On Invested Capital (15.77%) for PRL is above the 3 year average (12.82%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.14% | ||
| ROE | 24.37% | ||
| ROIC | 15.77% |
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
The Profit Margin of PRL (11.53%) is better than 66.67% of its industry peers.
PRL's Profit Margin has improved in the last couple of years.
The Operating Margin of PRL (22.42%) is better than 83.33% of its industry peers.
In the last couple of years the Operating Margin of PRL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.42% | ||
| PM (TTM) | 11.53% | ||
| 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 well above the Cost of Capital (WACC), so PRL is creating value.
PRL has more shares outstanding than it did 1 year ago.
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 3.72. This indicates that PRL is financially healthy and has little risk of bankruptcy at the moment.
PRL has a Altman-Z score of 3.72. This is amongst the best in the industry. PRL outperforms 100.00% of its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that PRL has dependencies on debt financing.
The Debt to Equity ratio of PRL (1.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.72 |
ROIC/WACC1.92
WACC8.21%
2.3 Liquidity
A Current Ratio of 2.19 indicates that PRL has no problem at all paying its short term obligations.
PRL has a better Current ratio (2.19) than 83.33% of its industry peers.
A Quick Ratio of 2.19 indicates that PRL has no problem at all paying its short term obligations.
PRL's Quick ratio of 2.19 is amongst the best of the industry. PRL outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.19 | ||
| Quick Ratio | 2.19 |
3. Growth
3.1 Past
PRL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.72%, 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.
The Revenue has grown by 41.68% in the past year. This is a very strong growth!
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)51.72%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%34.15%
Revenue 1Y (TTM)41.68%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%43.93%
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.
The Revenue is expected to grow by 25.82% on average over the next years. This is a very strong growth
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
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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
Based on the Price/Earnings ratio of 15.06, the valuation of PRL can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as PRL.
PRL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.
PRL is valuated reasonably with a Price/Forward Earnings ratio of 8.38.
66.67% 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 (36.06), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.06 | ||
| Fwd PE | 8.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRL is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.96 |
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.
PRL's earnings are expected to grow with 37.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)0.18
EPS Next 2Y39.89%
EPS Next 3Y37.61%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 1.89%.
Compared to an average industry Dividend Yield of 2.63, PRL pays a better dividend. On top of this PRL pays more dividend than 83.33% of the companies listed in the same industry.
PRL's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.89% |
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 27.13% of its income as dividend. This is a sustainable payout ratio.
DP27.13%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
TSX:PRL (7/16/2025, 7:00:00 PM)
36.45
+0.33 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners5.4%
Inst Owner ChangeN/A
Ins Owners21.27%
Ins Owner ChangeN/A
Market Cap1.42B
Analysts82
Price Target44.64 (22.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.89% |
Yearly Dividend0.52
Dividend Growth(5Y)N/A
DP27.13%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.85%
Min EPS beat(2)-4.8%
Max EPS beat(2)-0.91%
EPS beat(4)1
Avg EPS beat(4)1.71%
Min EPS beat(4)-6.65%
Max EPS beat(4)19.18%
EPS beat(8)5
Avg EPS beat(8)11.11%
EPS beat(12)7
Avg EPS beat(12)2.68%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.35%
Min Revenue beat(2)-0.51%
Max Revenue beat(2)1.22%
Revenue beat(4)3
Avg Revenue beat(4)1.35%
Min Revenue beat(4)-0.51%
Max Revenue beat(4)4.08%
Revenue beat(8)5
Avg Revenue beat(8)0.33%
Revenue beat(12)6
Avg Revenue beat(12)0.14%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-1.76%
EPS NQ rev (1m)-1.53%
EPS NQ rev (3m)-8.32%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.5%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.06 | ||
| Fwd PE | 8.38 | ||
| P/S | 2.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.44 | ||
| P/tB | 6.43 | ||
| EV/EBITDA | 10.96 |
EPS(TTM)2.42
EY6.64%
EPS(NY)4.35
Fwd EY11.94%
FCF(TTM)-3.54
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS17.36
BVpS8.22
TBVpS5.66
PEG (NY)0.32
PEG (5Y)0.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.14% | ||
| ROE | 24.37% | ||
| ROCE | 21.42% | ||
| ROIC | 15.77% | ||
| ROICexc | 16.71% | ||
| ROICexgc | 20.46% | ||
| OM | 22.42% | ||
| PM (TTM) | 11.53% | ||
| 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-Score5
Asset Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.29 | ||
| Cap/Depr | 1156.68% | ||
| Cap/Sales | 14.76% | ||
| Interest Coverage | 3.51 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.19 | ||
| Quick Ratio | 2.19 | ||
| Altman-Z | 3.72 |
F-Score5
WACC8.21%
ROIC/WACC1.92
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)51.72%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%34.15%
EPS Next Y47.29%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
EPS Next 5YN/A
Revenue 1Y (TTM)41.68%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%43.93%
Revenue Next Year38.44%
Revenue Next 2Y31.26%
Revenue Next 3Y25.82%
Revenue Next 5YN/A
EBIT growth 1Y53.96%
EBIT growth 3Y81.18%
EBIT growth 5Y72.68%
EBIT Next Year66.51%
EBIT Next 3Y38.52%
EBIT Next 5YN/A
FCF growth 1Y-71.1%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y47.82%
OCF growth 3YN/A
OCF growth 5YN/A