(PRG) PROG Holdings - Ratings and Ratios
Lease-To-Own, Credit Products, E-Commerce, Virtual
PRG EPS (Earnings per Share)
PRG Revenue
Description: PRG PROG Holdings
PROG Holdings Inc (NYSE:PRG) is a consumer finance company operating in the United States. The companys primary business involves providing financial services, likely including lease-to-own solutions for consumers.
To evaluate PROG Holdings performance, key financial metrics such as Return on Equity (RoE) are crucial. With a RoE of 32.98%, the company demonstrates a strong ability to generate profits from shareholders equity. However, the Price-to-Earnings (P/E) ratio of 6.67 suggests that the stock might be undervalued relative to its earnings, while the forward P/E of 51.28 indicates expected significant growth in earnings per share.
Market capitalization stands at $1.33 billion, indicating a mid-cap company with a certain level of market presence. The companys beta of 1.72 signifies that its stock price is more volatile than the overall market, suggesting a higher risk profile for investors.
Economic drivers for PROG Holdings include consumer spending habits, interest rates, and the overall health of the retail industry, as these factors can influence demand for lease-to-own financial solutions. Key Performance Indicators (KPIs) to monitor would include revenue growth, net interest margin, and delinquency rates on leases, as these metrics can provide insights into the companys operational efficiency and risk management.
To further assess the investment potential of PROG Holdings, analyzing its income tax expense on a yearly basis can offer insights into the companys tax strategies and their impact on profitability. Fluctuations in income tax expense could be driven by changes in tax laws, the companys operational structure, or its profitability levels.
PRG Stock Overview
| Market Cap in USD | 1,400m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1984-09-07 |
PRG Stock Ratings
| Growth Rating | -42.1% |
| Fundamental | 83.4% |
| Dividend Rating | 59.3% |
| Return 12m vs S&P 500 | -34.8% |
| Analyst Rating | 4.29 of 5 |
PRG Dividends
| Dividend Yield 12m | 1.49% |
| Yield on Cost 5y | 1.11% |
| Annual Growth 5y | 27.94% |
| Payout Consistency | 86.8% |
| Payout Ratio | 14.6% |
PRG Growth Ratios
| Growth Correlation 3m | 80.2% |
| Growth Correlation 12m | -68.8% |
| Growth Correlation 5y | -33.7% |
| CAGR 5y | -5.26% |
| CAGR/Max DD 5y | -0.07 |
| Sharpe Ratio 12m | 0.02 |
| Alpha | -40.43 |
| Beta | 0.977 |
| Volatility | 44.39% |
| Current Volume | 559.8k |
| Average Volume 20d | 310.4k |
| Stop Loss | 34 (-3.5%) |
| Signal | -0.24 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (214.7m TTM) > 0 and > 6% of Revenue (6% = 151.1m TTM) |
| FCFTA 0.15 (>2.0%) and ΔFCFTA 2.68pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 35.51% (prev 35.26%; Δ 0.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.16 (>3.0%) and CFO 227.2m > Net Income 214.7m (YES >=105%, WARN >=100%) |
| Net Debt (381.4m) to EBITDA (1.49b) ratio: 0.26 <= 3.0 (WARN <= 3.5) |
| Current Ratio 7.97 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (40.6m) change vs 12m ago -7.23% (target <= -2.0% for YES) |
| Gross Margin 49.52% (prev 4.33%; Δ 45.18pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 172.8% (prev 163.9%; Δ 8.84pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.81 (EBITDA TTM 1.49b / Interest Expense TTM 48.8m) >= 6 (WARN >= 3) |
Altman Z'' 10.65
| (A) 0.61 = (Total Current Assets 1.02b - Total Current Liabilities 128.3m) / Total Assets 1.45b |
| (B) 1.05 = Retained Earnings (Balance) 1.53b / Total Assets 1.45b |
| warn (B) unusual magnitude: 1.05 — check mapping/units |
| (C) 0.16 = EBIT TTM 234.9m / Avg Total Assets 1.46b |
| (D) 2.00 = Book Value of Equity 1.57b / Total Liabilities 785.9m |
| Total Rating: 10.65 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 83.42
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 12.36% = 5.0 |
| 3. FCF Margin 8.70% = 2.17 |
| 4. Debt/Equity 0.89 = 2.12 |
| 5. Debt/Ebitda 0.40 = 2.38 |
| 6. ROIC - WACC 54.36% = 12.50 |
| 7. RoE 32.98% = 2.50 |
| 8. Rev. Trend 13.50% = 0.67 |
| 9. Rev. CAGR -1.24% = -0.21 |
| 10. EPS Trend 51.01% = 1.28 |
| 11. EPS CAGR 49.04% = 2.50 |
What is the price of PRG shares?
Over the past week, the price has changed by +1.53%, over one month by +9.97%, over three months by +21.57% and over the past year by -23.71%.
Is PROG Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PRG is around 32.93 USD . This means that PRG is currently overvalued and has a potential downside of -6.56%.
Is PRG a buy, sell or hold?
- Strong Buy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PRG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 38.6 | 9.4% |
| Analysts Target Price | 38.6 | 9.4% |
| ValueRay Target Price | 37.1 | 5.2% |
Last update: 2025-08-30 04:53
PRG Fundamental Data Overview
CCE Cash And Equivalents = 222.0m USD (last quarter)
P/E Trailing = 7.012
P/E Forward = 51.2821
P/S = 0.5559
P/B = 2.0935
Beta = 1.72
Revenue TTM = 2.52b USD
EBIT TTM = 234.9m USD
EBITDA TTM = 1.49b USD
Long Term Debt = 594.2m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 594.2m USD (Calculated: Short Term 0.0 + Long Term 594.2m)
Net Debt = 381.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.77b USD (1.40b + Debt 594.2m - CCE 222.0m)
Interest Coverage Ratio = 4.81 (Ebit TTM 234.9m / Interest Expense TTM 48.8m)
FCF Yield = 12.36% (FCF TTM 219.0m / Enterprise Value 1.77b)
FCF Margin = 8.70% (FCF TTM 219.0m / Revenue TTM 2.52b)
Net Margin = 8.53% (Net Income TTM 214.7m / Revenue TTM 2.52b)
Gross Margin = 49.52% ((Revenue TTM 2.52b - Cost of Revenue TTM 1.27b) / Revenue TTM)
Tobins Q-Ratio = 1.13 (Enterprise Value 1.77b / Book Value Of Equity 1.57b)
Interest Expense / Debt = 2.13% (Interest Expense 12.6m / Debt 594.2m)
Taxrate = -20.56% (set to none) (from yearly Income Tax Expense: -33.6m / 163.6m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 7.97 (Total Current Assets 1.02b / Total Current Liabilities 128.3m)
Debt / Equity = 0.89 (Debt 594.2m / last Quarter total Stockholder Equity 668.7m)
Debt / EBITDA = 0.40 (Net Debt 381.4m / EBITDA 1.49b)
Debt / FCF = 2.71 (Debt 594.2m / FCF TTM 219.0m)
Total Stockholder Equity = 651.1m (last 4 quarters mean)
RoA = 14.76% (Net Income 214.7m, Total Assets 1.45b )
RoE = 32.98% (Net Income TTM 214.7m / Total Stockholder Equity 651.1m)
RoCE = 18.86% (Ebit 234.9m / (Equity 651.1m + L.T.Debt 594.2m))
RoIC = 54.36% (Ebit 234.9m / (Assets 1.45b - Current Assets 1.02b))
WACC = unknown (E(1.40b)/V(1.99b) * Re(9.62%)) + (D(594.2m)/V(1.99b) * Rd(2.13%) * (1-Tc(none)))
Shares Correlation 5-Years: -100.0 | Cagr: -10.69%
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 73.30% ; FCFE base≈203.7m ; Y1≈210.5m ; Y5≈238.6m
Fair Price DCF = 80.91 (DCF Value 3.20b / Shares Outstanding 39.5m; 5y FCF grow 3.42% → 3.0% )
Revenue Correlation: 13.50 | Revenue CAGR: -1.24%
Rev Growth-of-Growth: 7.55
EPS Correlation: 51.01 | EPS CAGR: 49.04%
EPS Growth-of-Growth: 33.85
Additional Sources for PRG Stock
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