PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - TSX:PRL - CA74349D1069 - Common Stock
25.52 CAD
+0.63 (+2.53%)
Overall PRL gets a fundamental rating of 7 out of 10. We evaluated PRL against 6 industry peers in the Consumer Finance industry. PRL scores excellent on profitability, but there are some minor concerns on its financial health. PRL is evaluated to be cheap and growing strongly. This does not happen too often!
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.
In the past 5 years PRL has always 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.
PRL has a Return On Equity of 24.27%. This is amongst the best in the industry. PRL outperforms 83.33% of its industry peers.
PRL has a better Return On Invested Capital (15.38%) than 100.00% of its industry peers.
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 better Profit Margin (11.49%) than 66.67% of its industry peers.
PRL's Profit Margin has improved in the last couple of years.
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PRL is 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 2.95 indicates that PRL is not a great score, but indicates only limited risk for bankruptcy at the moment.
PRL's Altman-Z score of 2.95 is amongst the best of the industry. PRL outperforms 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.
PRL has a worse Debt to Equity ratio (1.12) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.12 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.95 |
ROIC/WACC1.48
WACC10.42%
2.3 Liquidity
PRL has a Current 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.
Looking at the Current ratio, with a value of 1.72, PRL belongs to the top 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's Quick ratio of 1.72 is amongst the best of 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
PRL shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.16%.
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)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
PRL is valuated reasonably with a Price/Earnings ratio of 10.13.
PRL's Price/Earnings ratio is rather cheap when compared to the industry. PRL is cheaper than 83.33% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.10. PRL is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.16, the valuation of PRL can be described as very cheap.
PRL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRL is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PRL to the average of the S&P500 Index (22.52), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | 6.16 |
4.2 Price Multiples
83.33% of the companies in the same industry are more expensive than PRL, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.94 |
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.
PRL's earnings are expected to grow with 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.12
EPS Next 2Y35.15%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
The stock price of PRL dropped by -26.35% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
PRL's Dividend Yield is rather good when compared to the industry average which is at 3.35. PRL pays more dividend than 83.33% of the companies in the same industry.
PRL's Dividend Yield is a higher than the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
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 (10/31/2025, 7:00:00 PM)
25.52
+0.63 (+2.53%)
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 Cap1.00B
Revenue(TTM)528.37M
Net Income(TTM)60.71M
Analysts81.82
Price Target46.17 (80.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
Yearly Dividend0.54
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)6.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | 6.16 | ||
| P/S | 1.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.87 | ||
| P/tB | 4.13 | ||
| EV/EBITDA | 7.94 |
EPS(TTM)2.52
EY9.87%
EPS(NY)4.14
Fwd EY16.24%
FCF(TTM)-3.15
FCFYN/A
OCF(TTM)-0.53
OCFYN/A
SpS18.81
BVpS8.91
TBVpS6.19
PEG (NY)0.3
PEG (5Y)0.12
Graham Number22.47
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%
ROICexgc growth 3Y19.37%
ROICexgc 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 | 2.95 |
F-Score4
WACC10.42%
ROIC/WACC1.48
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
PROPEL HOLDINGS INC / PRL.CA FAQ
What is the fundamental rating for PRL stock?
ChartMill assigns a fundamental rating of 7 / 10 to PRL.CA.
Can you provide the valuation status for PROPEL HOLDINGS INC?
ChartMill assigns a valuation rating of 8 / 10 to PROPEL HOLDINGS INC (PRL.CA). This can be considered as Undervalued.
How profitable is PROPEL HOLDINGS INC (PRL.CA) stock?
PROPEL HOLDINGS INC (PRL.CA) has a profitability rating of 7 / 10.
Can you provide the financial health for PRL stock?
The financial health rating of PROPEL HOLDINGS INC (PRL.CA) is 4 / 10.
How sustainable is the dividend of PROPEL HOLDINGS INC (PRL.CA) stock?
The dividend rating of PROPEL HOLDINGS INC (PRL.CA) is 5 / 10 and the dividend payout ratio is 28.38%.