PROPEL HOLDINGS INC (PRL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PRL - CA74349D1069 - Common Stock
24.18 CAD
+0.76 (+3.25%)
Taking everything into account, PRL scores 6 out of 10 in our fundamental rating. 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 growing strongly while it is still valued neutral. This is a good 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.
- 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 has a Return On Assets of 10.17%. This is amongst the best in the industry. PRL outperforms 100.00% of its industry peers.
- PRL has a Return On Equity of 25.06%. This is amongst the best in the industry. PRL outperforms 87.50% of its industry peers.
- The Return On Invested Capital of PRL (15.17%) is better than 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
- The Profit Margin of PRL (11.57%) is better than 75.00% of its industry peers.
- PRL's Profit Margin has improved in the last couple of years.
- PRL's Operating Margin of 21.44% is amongst the best of the industry. PRL outperforms 87.50% 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 well above the Cost of Capital (WACC), so PRL is creating 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.
- Compared to 1 year ago, PRL has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.88 indicates that PRL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.88, PRL belongs to the top 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 | 2.88 |
ROIC/WACC1.83
WACC8.27%
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.
- 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.
- Measured over the past years, PRL shows a very strong growth in Earnings Per Share. The EPS has been growing by 83.89% on average per year.
- The Revenue has grown by 35.26% in the past year. This is a very strong growth!
- 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)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
- Based on estimates for the next years, PRL will show a very strong growth in Earnings Per Share. The EPS will grow by 27.89% on average per year.
- Based on estimates for the next years, PRL will show a very strong growth in Revenue. The Revenue will grow by 28.76% on average per year.
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
- 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 9.67 indicates a reasonable valuation of PRL.
- The rest of the industry has a similar Price/Earnings ratio as PRL.
- The average S&P500 Price/Earnings ratio is at 27.32. PRL is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 7.07 indicates a rather cheap valuation of PRL.
- Based on the Price/Forward Earnings ratio, PRL is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of PRL to the average of the S&P500 Index (24.30), we can say PRL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.67 | ||
| Fwd PE | 7.07 |
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 | 7.58 |
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 27.89% in the coming years.
PEG (NY)0.78
PEG (5Y)0.12
EPS Next 2Y23.7%
EPS Next 3Y27.89%
5. Dividend
5.1 Amount
- PRL has a Yearly Dividend Yield of 3.61%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 1.11, PRL pays a better dividend. On top of this PRL pays more dividend than 87.50% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.86, 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 (1/21/2026, 7:00:00 PM)
24.18
+0.76 (+3.25%)
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 Cap951.72M
Revenue(TTM)563.27M
Net Income(TTM)65.19M
Analysts81.67
Price Target38.99 (61.25%)
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 | 9.67 | ||
| Fwd PE | 7.07 | ||
| P/S | 1.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.65 | ||
| P/tB | 3.79 | ||
| EV/EBITDA | 7.58 |
EPS(TTM)2.5
EY10.34%
EPS(NY)3.42
Fwd EY14.14%
FCF(TTM)-3.65
FCFYN/A
OCF(TTM)-1.03
OCFYN/A
SpS19.74
BVpS9.12
TBVpS6.37
PEG (NY)0.78
PEG (5Y)0.12
Graham Number22.65
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 | 2.88 |
F-Score5
WACC8.27%
ROIC/WACC1.83
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%.