PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PRL - CA74349D1069 - Common Stock
23.8 CAD
+0.55 (+2.37%)
We assign a fundamental rating of 6 out of 10 to PRL. PRL was compared to 8 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.
1. Profitability
1.1 Basic Checks
- In the past year PRL was profitable.
- PRL had a negative operating cash flow in the past year.
- 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
- Looking at the Return On Assets, with a value of 10.17%, PRL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 25.06%, PRL belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
- PRL has a Return On Invested Capital of 15.17%. This is amongst the best in the industry. PRL outperforms 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for PRL is above the industry average of 8.74%.
- 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
- With a decent Profit Margin value of 11.57%, PRL is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of PRL has grown nicely.
- PRL has a Operating Margin of 21.44%. This is amongst the best in the industry. PRL outperforms 87.50% of its industry peers.
- PRL's Operating Margin has improved in the last couple of years.
| 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
- PRL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- PRL has more shares outstanding than it did 1 year ago.
- 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
- PRL has an Altman-Z score of 2.86. This is not the best score and indicates that PRL is in the grey zone with still only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 2.86, PRL belongs to the best of the industry, outperforming 87.50% 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.
- The Debt to Equity ratio of PRL (1.18) is worse than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.86 |
ROIC/WACC1.87
WACC8.11%
2.3 Liquidity
- A Current Ratio of 1.97 indicates that PRL should not have too much problems paying its short term obligations.
- The Current ratio of PRL (1.97) is better than 75.00% of its industry peers.
- A Quick Ratio of 1.97 indicates that PRL should not have too much problems paying its short term obligations.
- The Quick ratio of PRL (1.97) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.97 |
3. Growth
3.1 Past
- PRL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.48%, 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
- The Revenue has grown by 35.26% in the past year. This is a very strong growth!
- The Revenue has been growing by 45.92% on average over the past years. This is a very strong growth!
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
- The Earnings Per Share is expected to grow by 27.89% 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 28.76% yearly.
EPS Next Y12.42%
EPS Next 2Y23.7%
EPS Next 3Y27.89%
EPS Next 5YN/A
Revenue Next Year32.44%
Revenue Next 2Y31.53%
Revenue Next 3Y28.76%
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.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.48, the valuation of PRL can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of PRL is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.38. PRL is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 6.91, the valuation of PRL can be described as very cheap.
- PRL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PRL is cheaper than 75.00% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of PRL to the average of the S&P500 Index (24.29), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 6.91 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRL is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.46 |
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.
- PRL's earnings are expected to grow with 27.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)0.11
EPS Next 2Y23.7%
EPS Next 3Y27.89%
5. Dividend
5.1 Amount
- PRL has a Yearly Dividend Yield of 3.61%.
- PRL's Dividend Yield is rather good when compared to the industry average which is at 1.11. PRL pays more dividend than 87.50% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, PRL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
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 2Y23.7%
EPS Next 3Y27.89%
TSX:PRL (1/16/2026, 7:00:00 PM)
23.8
+0.55 (+2.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)03-02 2026-03-02
Inst Owners5.06%
Inst Owner ChangeN/A
Ins Owners22.35%
Ins Owner ChangeN/A
Market Cap936.77M
Revenue(TTM)563.27M
Net Income(TTM)65.19M
Analysts81.67
Price Target38.99 (63.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Yearly Dividend0.53
Dividend Growth(5Y)N/A
DP29.52%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)9.46%
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)8
Avg Revenue beat(16)0%
PT rev (1m)0%
PT rev (3m)-17.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-34.39%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-15.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.05%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)-3.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 6.91 | ||
| P/S | 1.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.59 | ||
| P/tB | 3.71 | ||
| EV/EBITDA | 7.46 |
EPS(TTM)2.51
EY10.55%
EPS(NY)3.44
Fwd EY14.47%
FCF(TTM)-3.68
FCFYN/A
OCF(TTM)-1.04
OCFYN/A
SpS19.88
BVpS9.18
TBVpS6.42
PEG (NY)0.76
PEG (5Y)0.11
Graham Number22.77
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 | 2.86 |
F-Score5
WACC8.11%
ROIC/WACC1.87
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 Y12.42%
EPS Next 2Y23.7%
EPS Next 3Y27.89%
EPS Next 5YN/A
Revenue 1Y (TTM)35.26%
Revenue growth 3Y51.38%
Revenue growth 5Y45.92%
Sales Q2Q%29.39%
Revenue Next Year32.44%
Revenue Next 2Y31.53%
Revenue Next 3Y28.76%
Revenue Next 5YN/A
EBIT growth 1Y35.16%
EBIT growth 3Y81.18%
EBIT growth 5Y72.68%
EBIT Next Year12.95%
EBIT Next 3Y22.36%
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 6 / 10 to PRL.CA.
What is the valuation status for PRL stock?
ChartMill assigns a valuation rating of 6 / 10 to PROPEL HOLDINGS INC (PRL.CA). This can be considered as Fairly Valued.
How profitable is PROPEL HOLDINGS INC (PRL.CA) stock?
PROPEL HOLDINGS INC (PRL.CA) has a profitability rating of 7 / 10.
What is the expected EPS growth for PROPEL HOLDINGS INC (PRL.CA) stock?
The Earnings per Share (EPS) of PROPEL HOLDINGS INC (PRL.CA) is expected to grow by 12.42% in the next year.
Is the dividend of PROPEL HOLDINGS INC sustainable?
The dividend rating of PROPEL HOLDINGS INC (PRL.CA) is 5 / 10 and the dividend payout ratio is 29.52%.