Overview Dividends

(PRG) PROG Holdings - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US74319R1014

Lease-To-Own, Credit Products, E-Commerce, Virtual

PRG EPS (Earnings per Share)

EPS Growth (3Y CAGR): -57.23%
EPS Trend (3Y Correlation): -48.1%

PRG Revenue

Revenue Growth (3Y CAGR): -1.24%
Revenue Trend (3Y Correlation): 13.5%

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	1,221m
Sub-Industry	Consumer Finance
IPO / Inception	1984-09-07

PRG Stock Ratings

Growth Rating	5.38%
Fundamental	71.4%
Dividend Rating	64.3%
Return 12m vs S&P 500	-41.4%
Analyst Rating	4.29 of 5

PRG Dividends

Dividend Yield 12m	1.61%
Yield on Cost 5y	1.04%
Annual Growth 5y	36.07%
Payout Consistency	87.0%
Payout Ratio	14.6%

PRG Growth Ratios

Growth Correlation 3m	22.2%
Growth Correlation 12m	-46.7%
Growth Correlation 5y	-28%
CAGR 5y	30.24%
CAGR/Max DD 3y (Calmar Ratio)	0.58
CAGR/Mean DD 3y (Pain Ratio)	1.59
Sharpe Ratio 12m	-0.19
Alpha	-56.95
Beta	1.758
Volatility	39.24%
Current Volume	344.1k
Average Volume 20d	415.3k
Stop Loss	30.6 (-3.6%)
Signal	0.82

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

(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) 71.40

1. Piotroski 7.50pt = 2.50

2. FCF Yield 13.67% = 5.0

3. FCF Margin 8.70% = 2.17

4. Debt/Equity 0.90 = 2.11

5. Debt/Ebitda 0.26 = 2.45

6. ROIC - WACC (= 4.85)% = 6.06

7. RoE 32.98% = 2.50

8. Rev. Trend 13.50% = 1.01

9. EPS Trend -48.13% = -2.41

What is the price of PRG shares?

As of October 16, 2025, the stock is trading at USD 31.75 with a total of 344,092 shares traded.
Over the past week, the price has changed by +3.22%, over one month by -10.64%, over three months by +9.42% and over the past year by -32.83%.

Is PROG Holdings a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, PROG Holdings (NYSE:PRG) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 71.40 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PRG is around 26.23 USD . This means that PRG is currently overvalued and has a potential downside of -17.39%.

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.

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	21.5%
Analysts Target Price	38.6	21.5%
ValueRay Target Price	29.3	-7.6%

Last update: 2025-10-15 03:53

PRG Fundamental Data Overview

Market Cap USD = 1.22b (1.22b USD * 1.0 USD.USD)
P/E Trailing = 6.1149
P/E Forward = 51.2821
P/S = 0.4849
P/B = 1.867
Beta = 1.758
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 = 46.8m USD (from shortTermDebt, last fiscal year)
Debt = 603.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 381.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.60b USD (1.22b + Debt 603.4m - CCE 222.0m)
Interest Coverage Ratio = 4.81 (Ebit TTM 234.9m / Interest Expense TTM 48.8m)
FCF Yield = 13.67% (FCF TTM 219.0m / Enterprise Value 1.60b)
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)
Gross Margin QoQ = 100.0% (prev 31.80%)
Tobins Q-Ratio = 1.10 (Enterprise Value 1.60b / Total Assets 1.45b)
Interest Expense / Debt = 2.10% (Interest Expense 12.6m / Debt 603.4m)
Taxrate = 26.80% (14.1m / 52.6m)
NOPAT = 171.9m (EBIT 234.9m * (1 - 26.80%))
Current Ratio = 7.97 (Total Current Assets 1.02b / Total Current Liabilities 128.3m)
Debt / Equity = 0.90 (Debt 603.4m / totalStockholderEquity, last quarter 668.7m)
Debt / EBITDA = 0.26 (Net Debt 381.4m / EBITDA 1.49b)
Debt / FCF = 1.74 (Net Debt 381.4m / FCF TTM 219.0m)
Total Stockholder Equity = 651.1m (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 651.1m + L.T.Debt 594.2m))
RoIC = 13.67% (NOPAT 171.9m / Invested Capital 1.26b)
WACC = 8.83% (E(1.22b)/V(1.82b) * Re(12.43%) + D(603.4m)/V(1.82b) * Rd(2.10%) * (1-Tc(0.27)))
Discount Rate = 12.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.14%
[DCF Debug] Terminal Value 64.60% ; FCFE base≈203.7m ; Y1≈210.5m ; Y5≈238.6m
Fair Price DCF = 56.78 (DCF Value 2.25b / Shares Outstanding 39.5m; 5y FCF grow 3.42% → 3.0% )
EPS Correlation: -48.13 | EPS CAGR: -57.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: 13.50 | Revenue CAGR: -1.24% | SUE: 3.55 | # QB: 7

Additional Sources for PRG Stock

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