PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
TSX:PRL - Toronto Stock Exchange - CA74349D1069 - Common Stock - Currency: CAD
Overall PRL gets a fundamental rating of 7 out of 10. We evaluated PRL against 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! This makes PRL very considerable for value and growth investing!
1. Profitability
1.1 Basic Checks
PRL had positive earnings in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.14%, PRL belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
PRL has a Return On Equity of 24.37%. This is amongst the best in the industry. PRL outperforms 83.33% of its industry peers.
The Return On Invested Capital of PRL (15.77%) is better 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 10.29%.
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.
PRL has a better Operating Margin (22.42%) 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.
The number of shares outstanding for PRL has been increased compared to 5 years ago.
Compared to 1 year ago, PRL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.44 indicates that PRL is not in any danger for bankruptcy at the moment.
PRL has a better Altman-Z score (3.44) than 100.00% of its industry peers.
PRL has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
PRL has a Debt to Equity ratio (1.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 3.44 |
ROIC/WACC1.82
WACC8.64%
2.3 Liquidity
PRL has a Current Ratio of 2.19. This indicates that PRL is financially healthy and has no problem in meeting its short term obligations.
PRL has a better Current ratio (2.19) than 83.33% of its industry peers.
PRL has a Quick Ratio of 2.19. This indicates that PRL is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of PRL (2.19) is better than 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 33.33%, which is quite impressive.
The Earnings Per Share has been growing by 83.89% 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 42.10%.
PRL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 45.92% yearly.
EPS 1Y (TTM)33.33%
EPS 3Y85.56%
EPS 5Y83.89%
EPS Q2Q%9.52%
Revenue 1Y (TTM)42.1%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%33.91%
3.2 Future
The Earnings Per Share is expected to grow by 37.61% on average over the next years. This is a very strong growth
PRL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 28.82% yearly.
EPS Next Y47.29%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
EPS Next 5YN/A
Revenue Next Year36.89%
Revenue Next 2Y31.67%
Revenue Next 3Y28.82%
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
A Price/Earnings ratio of 12.55 indicates a correct valuation of PRL.
PRL's Price/Earnings ratio is a bit more expensive when compared to the industry. PRL is more expensive 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 26.86.
With a Price/Forward Earnings ratio of 7.14, the valuation of PRL can be described as very cheap.
83.33% of the companies in the same industry are more expensive than PRL, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.94. PRL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 7.14 |
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 | 9.67 |
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 37.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)0.15
EPS Next 2Y39.89%
EPS Next 3Y37.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.39%, PRL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.60, 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
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
27.13% of the earnings are spent on dividend by PRL. This is a low number and sustainable payout ratio.
DP27.13%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
TSX:PRL (8/20/2025, 7:00:00 PM)
31.38
-0.76 (-2.36%)
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 Cap1.22B
Analysts81.82
Price Target47.39 (51.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
Yearly Dividend0.53
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)6.15%
PT rev (3m)6.68%
EPS NQ rev (1m)-11.05%
EPS NQ rev (3m)-18.45%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.59%
Revenue NQ rev (3m)-2.35%
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 7.14 | ||
| P/S | 1.79 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.79 | ||
| P/tB | 5.5 | ||
| EV/EBITDA | 9.67 |
EPS(TTM)2.5
EY7.97%
EPS(NY)4.4
Fwd EY14.01%
FCF(TTM)-3.57
FCFYN/A
OCF(TTM)-0.99
OCFYN/A
SpS17.5
BVpS8.28
TBVpS5.71
PEG (NY)0.27
PEG (5Y)0.15
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 | 3.44 |
F-Score5
WACC8.64%
ROIC/WACC1.82
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 Y47.29%
EPS Next 2Y39.89%
EPS Next 3Y37.61%
EPS Next 5YN/A
Revenue 1Y (TTM)42.1%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%33.91%
Revenue Next Year36.89%
Revenue Next 2Y31.67%
Revenue Next 3Y28.82%
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