PROG Holdings, Inc. (PRG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 2,485 | 2,678 | 2,598 | 2,408 | 2,463 | 2,409 | 2,524 | 3,056 |
| Operating profit | $m | 238 | 231 | ||||||
| Net profit | $m | -61 | 244 | 99 | 139 | 197 | 147 | 147 | 199 |
| EPS reported | $ | 3.59 | 3.61 | ||||||
| Operating cashflow per share | $ | 8.36 | 4.66 | ||||||
| Capex per share | $ | 0.25 | 0.36 | ||||||
| FCF per share | $ | 8.10 | 4.31 | ||||||
| Free cash flow | $m | 325 | 172 | ||||||
| Net debt | $m | 293 | 802 | ||||||
| Book value equity | $m | 746 | 805 | ||||||
| Book value per share | $ | 18.27 | 19.75 | ||||||
| Number of shares | m | 40.86 | 40.77 | ||||||
| DPS (TTM paid) | $ | 0.52 | 0.55 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.21 | 9.05 | ||||||
| P/B LTM | x | 1.58 | 1.47 | ||||||
| P/S LTM | x | 0.49 | 0.47 | ||||||
| P/FCF LTM | x | 3.64 | 6.86 | ||||||
| EV/EBITDA LTM | x | 0.81 | 1.50 | ||||||
| EV/Sales LTM | x | 0.62 | 0.99 | ||||||
| Earnings Yield LTM | % | +12.18% | +11.05% | ||||||
| FCF Yield | % | +27.48% | +14.58% | ||||||
| Quality | |||||||||
| ROE | % | +19.67% | +19.36% | ||||||
| ROIC | % | +11.22% | +8.83% | ||||||
| Operating margin | % | +9.89% | +9.16% | ||||||
| Gross margin | % | +32.98% | +37.23% | ||||||
| FCF/Sales | % | +13.49% | +6.83% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -20.75% | -20.31% | ||||||
| Sales Growth YoY | % | -2.20% | +2.44% | ||||||
| Net Income Growth YoY | % | -25.58% | -25.64% | ||||||
| FCF Growth | % | +149.54% | +32.42% | ||||||
| Operating Profit Growth | % | +22.29% | +18.57% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.76% | +1.27% | ||||||
| Dividend Growth | % | +8.33% | +14.58% | ||||||
| Payout Ratio | % | +14.16% | +14.68% | ||||||
| FCF/Debt | x | 0.53 | 0.19 | ||||||
| Net Debt/EBITDA | x | 0.16 | 0.81 | ||||||
| EBIT/Net interest | x | 6.06 | 4.89 | ||||||
| Net debt/market cap | % | +50.93% | +52.25% | ||||||
| Net debt/Equity | x | 0.39 | 1.00 | ||||||
| Gross debt/equity | x | 0.82 | 1.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
PROG Holdings, Inc. functions as a multi-channel financial services firm, specializing in lease-to-own programs for individuals with limited credit access or those traditionally considered underserved. The company's operations are divided into two distinct segments. The Progressive Leasing division provides customers with rent-to-own options for a diverse array of merchandise, such as furniture, household appliances, electronic gadgets, jewelry, mobile phones and their accessories, mattresses, and automobile electronics and fittings. These services are delivered through various touchpoints, including in-store, mobile, and online channels, often in collaboration with point-of-sale and e-commerce retail partners. Meanwhile, the Vive segment extends "second-chance" and revolving credit solutions, utilizing both its own and co-branded credit cards. These offerings are specifically tailored for consumers who might not qualify for conventional prime credit facilities. Across 49 U.S. states and the District of Columbia, PROG Holdings' lease-purchase solutions are made available through a vast network of approximately 24,000 third-party retail partner locations and their corresponding e-commerce platforms. Founded in 1955 and based in Draper, Utah, the company underwent a name change from Aaron's Holdings Company, Inc. to PROG Holdings, Inc. in December 2020.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
PROG Holdings, Inc. functions as a multi-channel financial services firm, specializing in lease-to-own programs for individuals with limited credit access or those traditionally considered underserved. The company's operations are divided into two distinct segments. The Progressive Leasing division provides customers with rent-to-own options for a diverse array of merchandise, such as furniture, household appliances, electronic gadgets, jewelry, mobile phones and their accessories, mattresses, and automobile electronics and fittings. These services are delivered through various touchpoints, including in-store, mobile, and online channels, often in collaboration with point-of-sale and e-commerce retail partners. Meanwhile, the Vive segment extends "second-chance" and revolving credit solutions, utilizing both its own and co-branded credit cards. These offerings are specifically tailored for consumers who might not qualify for conventional prime credit facilities. Across 49 U.S. states and the District of Columbia, PROG Holdings' lease-purchase solutions are made available through a vast network of approximately 24,000 third-party retail partner locations and their corresponding e-commerce platforms. Founded in 1955 and based in Draper, Utah, the company underwent a name change from Aaron's Holdings Company, Inc. to PROG Holdings, Inc. in December 2020.
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