PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - TSX:PRL - CA74349D1069 - Common Stock
32.58 CAD
-0.94 (-2.8%)
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 is growing strongly while it also seems undervalued. This is an interesting combination These ratings could make PRL a good candidate for value and growth investing.
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.
PRL had positive earnings in each of the past 5 years.
PRL had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of PRL (10.04%) is better than 83.33% of its industry peers.
Looking at the Return On Equity, with a value of 24.27%, 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 15.38% is amongst the best of the industry. PRL outperforms 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 10.16%.
The 3 year average ROIC (12.82%) for PRL is below the current ROIC(15.38%), indicating increased profibility in the last year.
| 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.
In the last couple of years the Profit Margin of PRL has grown nicely.
Looking at the Operating Margin, with a value of 21.62%, PRL belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
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
PRL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
PRL has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PRL has more shares outstanding
The debt/assets ratio for PRL has been reduced compared to a year ago.
2.2 Solvency
PRL has an Altman-Z score of 3.29. This indicates that PRL is financially healthy and has little risk of bankruptcy at the moment.
PRL's Altman-Z score of 3.29 is amongst the best of the industry. PRL outperforms 83.33% of its industry peers.
A Debt/Equity ratio of 1.12 is on the high side and indicates that PRL has dependencies on debt 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 | 3.29 |
ROIC/WACC1.41
WACC10.91%
2.3 Liquidity
A Current Ratio of 1.72 indicates that PRL should not have too much problems paying 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 has a better Quick ratio (1.72) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
PRL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, 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.
Looking at the last year, PRL shows a very strong growth in Revenue. The Revenue has grown by 38.16%.
The Revenue has been growing by 45.92% on average over the past years. This is a very strong growth!
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
PRL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.66% yearly.
PRL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 30.18% yearly.
EPS Next Y34.77%
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 correctly with a Price/Earnings ratio of 13.08.
PRL's Price/Earnings ratio is a bit cheaper when compared to the industry. PRL is cheaper than 66.67% of the companies in the same industry.
PRL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
The Price/Forward Earnings ratio is 7.95, which 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 100.00% 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 22.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.08 | ||
| Fwd PE | 7.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRL indicates a rather cheap valuation: PRL is cheaper than 83.33% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.62 |
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.
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)0.38
PEG (5Y)0.16
EPS Next 2Y35.15%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
PRL has a Yearly Dividend Yield of 2.33%.
Compared to an average industry Dividend Yield of 2.56, 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 2.38, PRL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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 28.38% of its income as dividend. This is a sustainable payout ratio.
DP28.38%
EPS Next 2Y35.15%
EPS Next 3Y33.66%
TSX:PRL (9/15/2025, 7:00:00 PM)
32.58
-0.94 (-2.8%)
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 Cap1.28B
Analysts81.82
Price Target47.48 (45.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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)0.19%
PT rev (3m)6.36%
EPS NQ rev (1m)-2.2%
EPS NQ rev (3m)-21.61%
EPS NY rev (1m)-8.5%
EPS NY rev (3m)-8.5%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)-1.19%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.08 | ||
| Fwd PE | 7.95 | ||
| P/S | 1.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.7 | ||
| P/tB | 5.33 | ||
| EV/EBITDA | 9.62 |
EPS(TTM)2.49
EY7.64%
EPS(NY)4.1
Fwd EY12.58%
FCF(TTM)-3.11
FCFYN/A
OCF(TTM)-0.53
OCFYN/A
SpS18.6
BVpS8.81
TBVpS6.11
PEG (NY)0.38
PEG (5Y)0.16
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 | 3.29 |
F-Score4
WACC10.91%
ROIC/WACC1.41
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 Y34.77%
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 Year66.51%
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