PROG Holdings
PRG
30.26
-1.02
-3.26%
PROG Holdings
US · PRG
#3106 by market cap
Listed 1970
30.26
-1.02
-3.26%
Live - 5344 symbols - heartbeat 418s ago
· 2026-10-08 07:13
Pre-market
30.62
+1.19%
After-hours
30.26
0.00%
- Market cap
- 1.21B
- P/E (TTM)i
- 8.38
- P/Bi
- 1.50
- EPSi
- 3.59
- Div yieldi
- 1.78%
- 52W posi
- 22%
Reader sentiment
Are you bullish or bearish on PRG?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 5.34, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +0.42% YoY
Margins
- Operating margin
- 16.76%
- Net margin
- 6.09%
Key ratios & quality
- Enterprise valuei
- 1.49B
- PEG ratioi
- 0.59
- Altman Z-Scorei
- 5.34
PEG uses trailing P/E against the 3-year net income growth rate (14.14%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2.04B | 2.16B | 2.48B | 2.68B | 2.60B | 2.34B | 2.40B | 2.41B |
| Gross profit | -- | -- | -- | -- | -- | -- | -- | -- |
| Selling & admin expenses | 204.13M | 453.98M | 275.02M | 291.88M | 326.17M | 329.32M | 323.05M | 350.72M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 508.11M | 199.46M | 439.54M | 494.43M | 411.21M | 397.78M | 409.96M | 403.90M |
| Pretax profit | 156.80M | 27.61M | 271.58M | 328.20M | 148.24M | 189.30M | 163.44M | 174.52M |
| Tax | 31.50M | 52.23M | 37.95M | 84.65M | 49.54M | 55.41M | -33.88M | 50.17M |
| Net profit | 196.21M | 31.47M | -61.47M | 243.56M | 98.71M | 138.84M | 197.25M | 146.79M |
| Basic EPS | 3 | 0 | -1 | 4 | 2 | 3 | 5 | 4 |
| Diluted EPS | 2.78 | 0.47 | -0.91 | 3.67 | 1.90 | 2.98 | 4.53 | 3.59 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 668.43M | 588.50M | 595.11M | 525.36M | 742.67M | 719.72M |
| Gross profit | 668.43M | 588.50M | -- | -- | 680.17M | 644.01M |
| Selling & admin expenses | -- | -- | 87.94M | 83.91M | -- | -- |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 104.36M | 101.94M | 101.89M | 81.56M | 96.79M | 105.62M |
| Pretax profit | 47.25M | 51.16M | 45.65M | 29.07M | 47.56M | 50.81M |
| Tax | 12.66M | 13.58M | 12.53M | 11.04M | 11.35M | 13.43M |
| Net profit | 34.72M | 38.48M | 33.12M | 40.47M | 36.05M | 37.03M |
| Basic EPS | 1 | 1 | 1 | 1 | 1 | 1 |
| Diluted EPS | 0.83 | 0.95 | 0.82 | 1.00 | 0.89 | 0.91 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 1.60B | 2.77B | 813.98M | 1.12B | 1.03B | 1.05B | 1.10B | 1.20B |
| Cash & ST investments | 15.28M | 57.76M | 36.65M | 170.16M | 131.88M | 155.42M | 90.92M | 308.77M |
| Inventory | 1.32B | 651.82M | 610.26M | 714.06M | 648.04M | 633.43M | 680.24M | 609.01M |
| Total assets | 2.83B | 3.30B | 1.32B | 1.62B | 1.49B | 1.49B | 1.51B | 1.61B |
| Total current liabilities | 367.63M | 1.43B | 174.81M | 181.02M | 172.10M | 186.97M | 181.10M | 138.12M |
| Short-term debt | 21.17M | -- | 50.00M | -- | -- | -- | 46.80M | -2.60M |
| Long-term debt | 403.59M | -- | -- | 589.65M | 590.97M | 592.27M | 596.76M | 597.46M |
| Total liabilities | 1,065,984,000.00 | 1,560,541,000.00 | 331,268,000.00 | 942,353,000.00 | 921,448,000.00 | 899,924,000.00 | 863,486,000.00 | 863,991,000.00 |
| Total equity | 1.76B | 1.74B | 986.14M | 679.41M | 570.46M | 591.33M | 650.28M | 746.42M |
| Retained earnings | 2.01B | 2.03B | 1.24B | 1.06B | 1.15B | 1.29B | 1.47B | 1.59B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.04B | 1.02B | 1.12B | 1.20B | 1.21B | 1.22B |
| Cash & ST investments | 213.30M | 222.03M | 292.61M | 308.77M | 69.39M | 85.20M |
| Inventory | 555.40M | 526.30M | 501.15M | 609.01M | 533.85M | 533.52M |
| Total assets | 1.47B | 1.45B | 1.55B | 1.61B | 2.04B | 2.05B |
| Total current liabilities | 147.02M | 128.27M | 134.65M | 138.12M | 190.35M | 151.47M |
| Short-term debt | -- | -- | -- | -2.60M | 50.00M | -- |
| Long-term debt | 593.89M | 594.21M | 594.54M | 597.46M | 886.12M | 887.06M |
| Total liabilities | 815,465,000.00 | 785,923,000.00 | 843,044,000.00 | 863,991,000.00 | 1,268,157,000.00 | 1,242,726,000.00 |
| Total equity | 654.45M | 668.67M | 703.56M | 746.42M | 774.36M | 805.34M |
| Retained earnings | 1.50B | 1.53B | 1.56B | 1.59B | 1.62B | 1.66B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 356.50M | 317.19M | 455.96M | 245.96M | 242.48M | 204.24M | 138.53M | 334.96M |
| Depreciation & amortization | 94.15M | 105.06M | 93.81M | 33.26M | 33.85M | 1.61B | 1.65B | 1.61B |
| Free cash flow | 277.65M | 224.22M | 391.62M | 236.41M | 232.81M | 194.62M | 130.21M | 324.92M |
| Dividends paid | -6.24M | -9.44M | -13.78M | -- | 0 | 0 | -20.39M | -20.77M |
| Stock buybacks / issuance | -168.74M | -69.26M | 0 | -570.91M | -223.87M | -139.57M | -138.65M | -51.78M |
| Ending cash balance | 15.28M | 57.76M | 36.65M | 170.16M | 131.88M | 155.42M | 95.66M | 308.77M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 209.93M | 69.89M | 110.05M | -54.90M | 171.70M | 106.24M |
| Depreciation & amortization | 466.57M | 391.10M | 384.64M | 372.39M | 423.16M | 375.37M |
| Free cash flow | 207.97M | 67.96M | 106.49M | -57.50M | 168.55M | 101.19M |
| Dividends paid | -5.27M | -5.18M | -5.18M | -5.14M | -5.61M | -5.61M |
| Stock buybacks / issuance | -26.12M | -25.66M | 0 | 0 | 0 | -10.19M |
| Ending cash balance | 213.30M | 222.03M | 292.61M | 308.77M | 79.50M | 92.37M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 11.25 | 1.80 | -4.51 | 29.25 | 15.80 | 23.90 | 31.77 | 21.02 |
| ROA %i | 7.11 | 1.03 | -2.66 | 16.57 | 6.34 | 9.31 | 13.13 | 9.40 |
| ROIC %i | 9.74 | 1.84 | -3.49 | 21.43 | 9.98 | 13.41 | 17.40 | 12.80 |
| 5-year avg ROE %i | 11.27 | 10.31 | 7.31 | 11.20 | 10.72 | 13.25 | 19.24 | 24.35 |
| EBIT margin %i | 7.02 | 2.78 | 10.94 | 12.45 | 7.15 | 9.37 | 8.22 | 8.88 |
| FCF / sales %i | 7.25 | 5.68 | 15.76 | 8.83 | 8.96 | 8.08 | 5.29 | 13.49 |
| Current ratioi | 4.36 | 1.94 | 4.66 | 6.18 | 5.99 | 5.63 | 6.06 | 8.67 |
| Quick ratioi | 0.60 | 0.15 | 1.01 | 2.04 | 2.01 | 2.05 | 1.22 | 3.78 |
| Debt / assetsi | 15.03 | 1.03 | 6.04 | 37.93 | 41.03 | 40.78 | 43.26 | 37.39 |
| LT debt / equityi | 22.92 | 1.95 | 2.99 | 90.53 | 107.30 | 102.84 | 93.51 | 81.02 |
| Interest coveragei | 16.34 | 6.47 | 1,453.28 | 62.66 | 4.96 | 7.67 | 5.21 | 5.44 |
| Revenue CAGR (3Y) %i | -13.80 | -12.31 | -9.78 | 9.56 | 6.29 | -1.99 | -3.60 | -2.48 |
| Net income CAGR (3Y) %i | 13.08 | -39.09 | -- | 7.47 | 46.38 | -- | -6.79 | 14.14 |
| FCF CAGR (3Y) %i | 37.42 | -18.21 | 57.02 | -5.22 | 1.26 | -20.79 | -18.03 | 11.75 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 33.88 | 34.34 | 24.56 | 21.02 | 20.73 | 19.90 |
| ROA %i | 14.33 | 14.73 | 10.95 | 9.40 | 8.43 | 8.37 |
| ROIC %i | 19.21 | 19.57 | 15.19 | 12.80 | 11.73 | 12.14 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 8.72 | 8.84 | 9.04 | 8.88 | 8.93 | 8.65 |
| FCF / sales %i | 8.16 | 8.70 | 11.79 | 13.49 | 11.50 | 12.19 |
| Current ratioi | 7.05 | 7.97 | 8.31 | 8.67 | 6.35 | 8.02 |
| Quick ratioi | 2.89 | 3.43 | 4.20 | 3.78 | 3.10 | 3.95 |
| Debt / assetsi | 41.09 | 41.48 | 38.97 | 37.39 | 45.83 | 43.31 |
| LT debt / equityi | 92.30 | 90.24 | 85.66 | 81.02 | 114.43 | 110.15 |
| Interest coveragei | 5.58 | 5.68 | 5.76 | 5.44 | 4.73 | 4.37 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Progressive Leasing is the largest reported line at 76.50% of revenue, across 4 reported segments.
- The next-largest line, Purchasing Power, is a distant second at 18.12% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Progressive Leasing76.50%
Purchasing Power18.12%
FOUR4.87%
Other0.51%
Quote time 2026-10-08 07:13:03 · For reference only, not investment advice and not tailored to your situation.