(PRG) PROG Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US74319R1014
Stock: Leasing, Payments, Financing, Installments
Total Rating 45
Risk 92
Buy Signal -0.20
| Risk 5d forecast | |
|---|---|
| Volatility | 42.7% |
| Relative Tail Risk | -11.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | 6.44 |
| Character TTM | |
|---|---|
| Beta | 1.220 |
| Beta Downside | 0.966 |
| Drawdowns 3y | |
|---|---|
| Max DD | 51.86% |
| CAGR/Max DD | 0.22 |
EPS (Earnings per Share)
Revenue
Description: PRG PROG Holdings March 04, 2026
PROG Holdings, Inc. (PRG) is a financial technology holding company. It offers payment solutions to US consumers.
The company operates two main segments: Progressive Leasing and Four. Progressive Leasing provides lease-to-own options at point-of-sale, including in-store, app-based, and e-commerce channels. This model targets consumers who may not qualify for traditional credit. The lease-to-own sector allows consumers to acquire goods through regular payments, with ownership transferring after all payments are made.
The Four segment offers short-term, interest-free buy-now-pay-later (BNPL) installment plans. BNPL services are a growing trend in consumer finance, allowing immediate purchases with deferred payment schedules, often appealing to a broad credit spectrum.
PROG Holdings also includes Purchasing Power, which provides alternative financing for underserved customers. The company was founded in 1955 and was formerly known as Aarons Holdings Company, Inc.
To deepen your understanding of PRGs market position and financial health, continue your research on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 146.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.20 > 0.02 and ΔFCF/TA 11.57 > 1.0 |
| NWC/Revenue: 40.11% < 20% (prev 36.29%; Δ 3.83% < -1%) |
| CFO/TA 0.21 > 3% & CFO 335.0m > Net Income 146.8m |
| Net Debt (300.6m) to EBITDA (1.84b): 0.16 < 3 |
| Current Ratio: 11.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (40.6m) vs 12m ago -6.82% < -2% |
| Gross Margin: 49.97% > 18% (prev 0.34%; Δ 4963 % > 0.5%) |
| Asset Turnover: 157.4% > 50% (prev 162.7%; Δ -5.36% > 0%) |
| Interest Coverage Ratio: 5.46 > 6 (EBITDA TTM 1.84b / Interest Expense TTM 40.6m) |
Altman Z'' 10.00
| A: 0.61 (Total Current Assets 1.08b - Total Current Liabilities 96.5m) / Total Assets 1.61b |
| B: 0.99 (Retained Earnings 1.59b / Total Assets 1.61b) |
| C: 0.14 (EBIT TTM 221.6m / Avg Total Assets 1.56b) |
| D: 1.89 (Book Value of Equity 1.64b / Total Liabilities 864.0m) |
| Altman-Z'' Score: 10.19 = AAA |
Beneish M -3.61
| DSRI: 0.69 (Receivables 164.9m/237.9m, Revenue 2.46b/2.46b) |
| GMI: 0.67 (GM 49.97% / 33.61%) |
| AQI: 1.15 (AQ_t 0.31 / AQ_t-1 0.27) |
| SGI: 1.00 (Revenue 2.46b / 2.46b) |
| TATA: -0.12 (NI 146.8m - CFO 335.0m) / TA 1.61b) |
| Beneish M-Score: -3.61 (Cap -4..+1) = AAA |
What is the price of PRG shares?
As of March 07, 2026, the stock is trading at USD 33.26 with a total of 509,080 shares traded.
Over the past week, the price has changed by -5.54%, over one month by -3.87%, over three months by +14.14% and over the past year by +18.61%.
Over the past week, the price has changed by -5.54%, over one month by -3.87%, over three months by +14.14% and over the past year by +18.61%.
Is PRG a buy, sell or hold?
PROG Holdings has received a consensus analysts rating of 4.29.
Therefore, it is recommended to buy PRG.
- StrongBuy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PRG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 43.7 | 31.4% |
| Analysts Target Price | 43.7 | 31.4% |
PRG Fundamental Data Overview March 06, 2026
P/E Trailing = 11.1875
P/E Forward = 8.726
P/S = 0.5587
P/B = 1.7338
P/EG = 0.9304
Revenue TTM = 2.46b USD
EBIT TTM = 221.6m USD
EBITDA TTM = 1.84b USD
Long Term Debt = 594.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 609.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 300.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.65b USD (1.35b + Debt 609.4m - CCE 308.8m)
Interest Coverage Ratio = 5.46 (Ebit TTM 221.6m / Interest Expense TTM 40.6m)
EV/FCF = 5.07x (Enterprise Value 1.65b / FCF TTM 324.9m)
FCF Yield = 19.73% (FCF TTM 324.9m / Enterprise Value 1.65b)
FCF Margin = 13.22% (FCF TTM 324.9m / Revenue TTM 2.46b)
Net Margin = 5.97% (Net Income TTM 146.8m / Revenue TTM 2.46b)
Gross Margin = 49.97% ((Revenue TTM 2.46b - Cost of Revenue TTM 1.23b) / Revenue TTM)
Gross Margin QoQ = 35.19% (prev none%)
Tobins Q-Ratio = 1.02 (Enterprise Value 1.65b / Total Assets 1.61b)
Interest Expense / Debt = 1.17% (Interest Expense 7.12m / Debt 609.4m)
Taxrate = 36.59% (11.5m / 31.4m)
NOPAT = 140.5m (EBIT 221.6m * (1 - 36.59%))
Current Ratio = 11.22 (Total Current Assets 1.08b / Total Current Liabilities 96.5m)
Debt / Equity = 0.82 (Debt 609.4m / totalStockholderEquity, last quarter 746.4m)
Debt / EBITDA = 0.16 (Net Debt 300.6m / EBITDA 1.84b)
Debt / FCF = 0.93 (Net Debt 300.6m / FCF TTM 324.9m)
Total Stockholder Equity = 693.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.40% (Net Income 146.8m / Total Assets 1.61b)
RoE = 21.17% (Net Income TTM 146.8m / Total Stockholder Equity 693.3m)
RoCE = 17.20% (EBIT 221.6m / Capital Employed (Equity 693.3m + L.T.Debt 594.9m))
RoIC = 10.91% (NOPAT 140.5m / Invested Capital 1.29b)
WACC = 7.40% (E(1.35b)/V(1.96b) * Re(10.41%) + D(609.4m)/V(1.96b) * Rd(1.17%) * (1-Tc(0.37)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.12%
[DCF] Terminal Value 81.76% ; FCFF base≈247.0m ; Y1≈275.8m ; Y5≈363.9m
[DCF] Fair Price = 172.5 (EV 7.13b - Net Debt 300.6m = Equity 6.83b / Shares 39.6m; r=7.40% [WACC]; 5y FCF grow 13.46% → 2.90% )
EPS Correlation: 46.05 | EPS CAGR: 7.21% | SUE: 1.36 | # QB: 3
Revenue Correlation: -43.17 | Revenue CAGR: -5.50% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.11 | Chg7d=+0.002 | Chg30d=+0.073 | Revisions Net=+1 | Analysts=7
EPS current Year (2026-12-31): EPS=4.26 | Chg7d=+0.000 | Chg30d=+0.668 | Revisions Net=+2 | Growth EPS=+21.5% | Growth Revenue=+28.1%
EPS next Year (2027-12-31): EPS=5.05 | Chg7d=+0.000 | Chg30d=+0.166 | Revisions Net=+0 | Growth EPS=+18.3% | Growth Revenue=+7.0%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.5% (Discount Rate 10.4% - Earnings Yield 8.9%)
[Growth] Growth Spread = +17.4% (Analyst 18.9% - Implied 1.5%)
P/E Forward = 8.726
P/S = 0.5587
P/B = 1.7338
P/EG = 0.9304
Revenue TTM = 2.46b USD
EBIT TTM = 221.6m USD
EBITDA TTM = 1.84b USD
Long Term Debt = 594.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 609.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 300.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.65b USD (1.35b + Debt 609.4m - CCE 308.8m)
Interest Coverage Ratio = 5.46 (Ebit TTM 221.6m / Interest Expense TTM 40.6m)
EV/FCF = 5.07x (Enterprise Value 1.65b / FCF TTM 324.9m)
FCF Yield = 19.73% (FCF TTM 324.9m / Enterprise Value 1.65b)
FCF Margin = 13.22% (FCF TTM 324.9m / Revenue TTM 2.46b)
Net Margin = 5.97% (Net Income TTM 146.8m / Revenue TTM 2.46b)
Gross Margin = 49.97% ((Revenue TTM 2.46b - Cost of Revenue TTM 1.23b) / Revenue TTM)
Gross Margin QoQ = 35.19% (prev none%)
Tobins Q-Ratio = 1.02 (Enterprise Value 1.65b / Total Assets 1.61b)
Interest Expense / Debt = 1.17% (Interest Expense 7.12m / Debt 609.4m)
Taxrate = 36.59% (11.5m / 31.4m)
NOPAT = 140.5m (EBIT 221.6m * (1 - 36.59%))
Current Ratio = 11.22 (Total Current Assets 1.08b / Total Current Liabilities 96.5m)
Debt / Equity = 0.82 (Debt 609.4m / totalStockholderEquity, last quarter 746.4m)
Debt / EBITDA = 0.16 (Net Debt 300.6m / EBITDA 1.84b)
Debt / FCF = 0.93 (Net Debt 300.6m / FCF TTM 324.9m)
Total Stockholder Equity = 693.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.40% (Net Income 146.8m / Total Assets 1.61b)
RoE = 21.17% (Net Income TTM 146.8m / Total Stockholder Equity 693.3m)
RoCE = 17.20% (EBIT 221.6m / Capital Employed (Equity 693.3m + L.T.Debt 594.9m))
RoIC = 10.91% (NOPAT 140.5m / Invested Capital 1.29b)
WACC = 7.40% (E(1.35b)/V(1.96b) * Re(10.41%) + D(609.4m)/V(1.96b) * Rd(1.17%) * (1-Tc(0.37)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.12%
[DCF] Terminal Value 81.76% ; FCFF base≈247.0m ; Y1≈275.8m ; Y5≈363.9m
[DCF] Fair Price = 172.5 (EV 7.13b - Net Debt 300.6m = Equity 6.83b / Shares 39.6m; r=7.40% [WACC]; 5y FCF grow 13.46% → 2.90% )
EPS Correlation: 46.05 | EPS CAGR: 7.21% | SUE: 1.36 | # QB: 3
Revenue Correlation: -43.17 | Revenue CAGR: -5.50% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.11 | Chg7d=+0.002 | Chg30d=+0.073 | Revisions Net=+1 | Analysts=7
EPS current Year (2026-12-31): EPS=4.26 | Chg7d=+0.000 | Chg30d=+0.668 | Revisions Net=+2 | Growth EPS=+21.5% | Growth Revenue=+28.1%
EPS next Year (2027-12-31): EPS=5.05 | Chg7d=+0.000 | Chg30d=+0.166 | Revisions Net=+0 | Growth EPS=+18.3% | Growth Revenue=+7.0%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.5% (Discount Rate 10.4% - Earnings Yield 8.9%)
[Growth] Growth Spread = +17.4% (Analyst 18.9% - Implied 1.5%)