PRL Stock Analysis: Propel Holdings | TO
Credit Services | TO, Canada | Market Cap: 1.044m CAD | 12M Return: 25.6% | CA74349D1069 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.06M
EPS Trend: 78.9%
Qual. Beats: 0
Rev. Trend: 99.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Propel Holdings Inc. is a Toronto-based financial technology company that provides consumer credit products to U.S. customers through its MoneyKey, CreditFresh, Fora Credit, and QuidMarket brands. Its offerings include installment loans and lines of credit, supported by marketing, analytics, and loan-servicing services.
Operating in consumer finance, Propel uses a lending platform to deliver and service credit products for individual borrowers. The company was incorporated in 2011 and adopted its current name in 2021.
- US loan originations drive interest income across Propel’s brands
- Rising delinquencies and charge-offs pressure lending margins
- Funding costs and consumer-credit regulation constrain loan growth and returns
| Net Income: 57.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -0.71 > 1.0 |
| NWC/Revenue: 88.55% < 20% (prev -43.39%; Δ 131.9% < -1%) |
| CFO/TA -0.02 > 3% & CFO -14.6m > Net Income 57.0m |
| Net Debt (282.3m) to EBITDA (120.8m): 2.34 < 3 |
| Current Ratio: 547.3 > 1.5 & < 3 |
| Outstanding Shares: last quarter (42.5m) vs 12m ago 0.62% < -2% |
| Gross Margin: 46.10% > 18% (prev 44.94%; Δ 1.17% > 0.5%) |
| Asset Turnover: 98.74% > 50% (prev 87.35%; Δ 11.38% > 0%) |
| Interest Coverage Ratio: 3.17 > 6 (EBIT TTM 110.8m / Interest Expense TTM 35.0m) |
| A: 0.81 (Total Current Assets 573.7m - Total Current Liabilities 1.05m) / Total Assets 705.4m |
| B: 0.16 (Retained Earnings 112.6m / Total Assets 705.4m) |
| C: 0.17 (EBIT TTM 110.8m / Avg Total Assets 655.0m) |
| D: 0.67 (Book Value of Equity 284.0m / Total Liabilities 421.4m) |
| Altman-Z'' = 7.69 = AAA |
| DSRI: 0.92 (Receivables 80.5m/71.1m, Revenue 646.7m/528.1m) |
| GMI: 0.97 (GM 44.94% / 46.10%) |
| AQI: 0.21 (AQ_t 0.17 / AQ_t-1 0.82) |
| SGI: 1.22 (Revenue 646.7m / 528.1m) |
| TATA: 0.10 (NI 57.0m - CFO -14.6m) / TA 705.4m) |
| Beneish M = -3.41 (Cap -4..+1) = AA |
As of November 05, 2026, the stock is trading at CAD 30.53 with a total of 1,473,238 shares traded. Over the past week, the price has changed by +19.12%, over one month by +23.20%, over three months by +16.69% and over the past year by +25.62%.
Current recommended Stop Loss: 29.50 (which is 3.4% or 1.4 ATR below the current price).
Propel Holdings has no consensus analysts rating.
Market Cap USD = 747.8m (1.04b CAD * 0.7164 CAD.USD)
P/E Trailing = 14.0265
P/E Forward = 6.9013
P/S = 1.597
P/B = 2.6271
Revenue TTM = 646.7m USD
EBIT TTM = 110.8m USD
EBITDA TTM = 120.8m USD
Long Term Debt = 318.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.05m USD (from shortTermDebt, last quarter)
Debt = 348.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 9.10m
Net Debt = 282.3m USD (calculated: Debt 348.0m - CCE 65.7m)
Enterprise Value = 1.03b USD (747.8m + Debt 348.0m - CCE 65.7m)
Interest Coverage Ratio = 3.17 (Ebit TTM 110.8m / Interest Expense TTM 35.0m)
EV/FCF = 15.10x (Enterprise Value 1.03b / FCF TTM 68.2m)
FCF Yield = 6.62% (FCF TTM 68.2m / Enterprise Value 1.03b)
FCF Margin = 10.54% (FCF TTM 68.2m / Revenue TTM 646.7m)
Net Margin = 8.81% (Net Income TTM 57.0m / Revenue TTM 646.7m)
Gross Margin = 46.10% ((Revenue TTM 646.7m - Cost of Revenue TTM 348.6m) / Revenue TTM)
Gross Margin QoQ = 46.89% (prev 51.87%)
Tobins Q-Ratio = 1.46 (Enterprise Value 1.03b / Total Assets 705.4m)
Interest Expense / Debt = 10.05% (Interest Expense 35.0m / Debt 348.0m)
Taxrate = 24.87% (18.9m / 75.8m)
NOPAT = 83.2m (EBIT 110.8m * (1 - 24.87%))
Current Ratio = 29.41 (Total Current Assets 573.7m / Total Current Liabilities 19.5m)
Debt / Equity = 1.23 (Debt 348.0m / totalStockholderEquity, last quarter 284.0m)
Debt / EBITDA = 2.34 (Net Debt 282.3m / EBITDA 120.8m)
Debt / FCF = 4.14 (Net Debt 282.3m / FCF TTM 68.2m)
Total Stockholder Equity = 269.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.70% (Net Income 57.0m / Total Assets 705.4m)
RoE = 21.12% (Net Income TTM 57.0m / Total Stockholder Equity 269.7m)
RoCE = 18.84% (EBIT 110.8m / Capital Employed (Equity 269.7m + L.T.Debt 318.5m))
RoIC = 12.37% (NOPAT 83.2m / Invested Capital 673.1m)
WACC = 9.81% (E(747.8m)/V(1.10b) * Re(10.86%) + D(348.0m)/V(1.10b) * Rd(10.05%) * (1-Tc(0.25)))
Discount Rate = 10.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.15 | Cagr: 6.38%
[DCF] Terminal Value 71.72% ; FCFF base≈66.0m ; Y1≈71.1m ; Y5≈86.6m
[DCF] Fair Price = 19.75 (EV 1.06b - Net Debt 282.3m = Equity 777.6m / Shares 39.4m; r=9.81% [WACC]; 5y FCF grow 8.74% → 2.50% )
EPS Correlation: 78.91 | EPS CAGR: 17.22% | SUE: 0.74 | # QB: 0
Revenue Correlation: 99.15 | Revenue CAGR: 35.16% | SUE: -0.15 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.75 | Chg30d=-6.55% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=2.15 | Chg30d=-1.40% | Revisions=-40% | GrowthEPS=+36.4% | GrowthRev=+27.8%
EPS next Year (2027-12-31): EPS=2.85 | Chg30d=-1.43% | Revisions=-25% | GrowthEPS=+32.1% | GrowthRev=+26.5%
[Analyst] Revisions Ratio: +0% (up=3, down=3)