PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PRL - CA74349D1069 - Common Stock
25.39 CAD
+0.72 (+2.92%)
We assign a fundamental rating of 7 out of 10 to PRL. 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!
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.
In the past 5 years PRL always reported negative operating cash flow.
1.2 Ratios
PRL has a better Return On Assets (10.17%) than 83.33% of its industry peers.
Looking at the Return On Equity, with a value of 25.06%, PRL belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
PRL's Return On Invested Capital of 15.17% is amongst the best of 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 10.39%.
The last Return On Invested Capital (15.17%) for PRL is above the 3 year average (12.82%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.17% | ||
| ROE | 25.06% | ||
| ROIC | 15.17% |
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 11.57%. 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.
The Operating Margin of PRL (21.44%) 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 | 21.44% | ||
| PM (TTM) | 11.57% | ||
| 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
The number of shares outstanding for PRL has been increased compared to 5 years ago.
PRL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.92 indicates that PRL is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.92, PRL belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
PRL has a Debt/Equity ratio of 1.18. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.18, 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 | 1.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.92 |
ROIC/WACC1.47
WACC10.29%
2.3 Liquidity
PRL has a Current Ratio of 1.97. 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 Current ratio of 1.97 is fine compared to the rest of the industry. PRL outperforms 66.67% of its industry peers.
PRL has a Quick Ratio of 1.97. 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 better Quick ratio (1.97) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.97 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 21.48% 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 35.26%.
PRL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 45.92% yearly.
EPS 1Y (TTM)21.48%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%2.7%
Revenue 1Y (TTM)35.26%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%29.39%
3.2 Future
PRL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.17% yearly.
Based on estimates for the next years, PRL will show a very strong growth in Revenue. The Revenue will grow by 29.42% on average per year.
EPS Next Y27.91%
EPS Next 2Y34.18%
EPS Next 3Y31.17%
EPS Next 5YN/A
Revenue Next Year34.67%
Revenue Next 2Y31.14%
Revenue Next 3Y29.42%
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 10.00 indicates a reasonable valuation of PRL.
Based on the Price/Earnings ratio, PRL is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
PRL is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.20 indicates a rather cheap valuation of PRL.
PRL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PRL is cheaper than 83.33% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PRL to the average of the S&P500 Index (36.12), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | 6.2 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRL is valued cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.75 |
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 31.17% in the coming years.
PEG (NY)0.36
PEG (5Y)0.12
EPS Next 2Y34.18%
EPS Next 3Y31.17%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 4.19%, which is a nice return.
In the last 3 months the price of PRL has falen by -21.17%. 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 4.57, 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 rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.19% |
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 29.52% of its income as dividend. This is a sustainable payout ratio.
DP29.52%
EPS Next 2Y34.18%
EPS Next 3Y31.17%
TSX:PRL (11/27/2025, 7:00:00 PM)
25.39
+0.72 (+2.92%)
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 Cap998.84M
Revenue(TTM)563.27M
Net Income(TTM)65.19M
Analysts81.82
Price Target41.5 (63.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.19% |
Yearly Dividend0.54
Dividend Growth(5Y)N/A
DP29.52%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.2%
Min EPS beat(2)-19.88%
Max EPS beat(2)-0.52%
EPS beat(4)0
Avg EPS beat(4)-6.53%
Min EPS beat(4)-19.88%
Max EPS beat(4)-0.52%
EPS beat(8)3
Avg EPS beat(8)3.17%
EPS beat(12)7
Avg EPS beat(12)6.09%
EPS beat(16)9
Avg EPS beat(16)9.45%
Revenue beat(2)0
Avg Revenue beat(2)-2.58%
Min Revenue beat(2)-3.28%
Max Revenue beat(2)-1.89%
Revenue beat(4)1
Avg Revenue beat(4)-1.11%
Min Revenue beat(4)-3.28%
Max Revenue beat(4)1.22%
Revenue beat(8)5
Avg Revenue beat(8)0.28%
Revenue beat(12)5
Avg Revenue beat(12)-0.84%
Revenue beat(16)7
Avg Revenue beat(16)-1.32%
PT rev (1m)-12.58%
PT rev (3m)-12.58%
EPS NQ rev (1m)-30.06%
EPS NQ rev (3m)-31.19%
EPS NY rev (1m)-4.13%
EPS NY rev (3m)-5.09%
Revenue NQ rev (1m)-5.33%
Revenue NQ rev (3m)-4.74%
Revenue NY rev (1m)-1.67%
Revenue NY rev (3m)-1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | 6.2 | ||
| P/S | 1.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.73 | ||
| P/tB | 3.91 | ||
| EV/EBITDA | 7.75 |
EPS(TTM)2.54
EY10%
EPS(NY)4.1
Fwd EY16.14%
FCF(TTM)-3.72
FCFYN/A
OCF(TTM)-1.05
OCFYN/A
SpS20.11
BVpS9.29
TBVpS6.49
PEG (NY)0.36
PEG (5Y)0.12
Graham Number23.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.17% | ||
| ROE | 25.06% | ||
| ROCE | 20.61% | ||
| ROIC | 15.17% | ||
| ROICexc | 15.92% | ||
| ROICexgc | 19.31% | ||
| OM | 21.44% | ||
| PM (TTM) | 11.57% | ||
| 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-Score5
Asset Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.39 | ||
| Cap/Depr | 903.57% | ||
| Cap/Sales | 13.27% | ||
| Interest Coverage | 3.81 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.97 | ||
| Altman-Z | 2.92 |
F-Score5
WACC10.29%
ROIC/WACC1.47
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)21.48%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%2.7%
EPS Next Y27.91%
EPS Next 2Y34.18%
EPS Next 3Y31.17%
EPS Next 5YN/A
Revenue 1Y (TTM)35.26%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%29.39%
Revenue Next Year34.67%
Revenue Next 2Y31.14%
Revenue Next 3Y29.42%
Revenue Next 5YN/A
EBIT growth 1Y35.16%
EBIT growth 3Y81.18%
EBIT growth 5Y72.68%
EBIT Next Year56.89%
EBIT Next 3Y38.52%
EBIT Next 5YN/A
FCF growth 1Y-149.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y19.21%
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 6 / 10 and the dividend payout ratio is 29.52%.