PROG Holdings Inc
NYSE:PRG

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PROG Holdings Inc
NYSE:PRG
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Price: 47.43 USD 2.35% Market Closed
Market Cap: 2B USD
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Intrinsic Value

The intrinsic value of one PRG stock under the Base Case scenario is 65.22 USD. Compared to the current market price of 47.43 USD, PROG Holdings Inc is Undervalued by 27%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

PRG Intrinsic Value
65.22 USD
Undervaluation 27%
Intrinsic Value
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PROG Holdings Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
PROG Holdings Inc

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
PROG Holdings Inc

Current Assets 341.1m
Cash & Short-Term Investments 221.7m
Receivables 67.2m
Other Current Assets 52.2m
Non-Current Assets 1.1B
PP&E 579.6m
Intangibles 373.8m
Other Non-Current Assets 151.8m
Current Liabilities 140.6m
Accounts Payable 11.8m
Accrued Liabilities 90.1m
Other Current Liabilities 38.6m
Non-Current Liabilities 675m
Long-Term Debt 593.2m
Other Non-Current Liabilities 81.7m
Efficiency

Earnings Waterfall
PROG Holdings Inc

Revenue
2.4B USD
Operating Expenses
-2.2B USD
Operating Income
211.6m USD
Other Expenses
-53.3m USD
Net Income
158.3m USD

Free Cash Flow Analysis
PROG Holdings Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

PRG Profitability Score
Profitability Due Diligence

PROG Holdings Inc's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

Positive 3-Year Average ROE
Exceptional 3-Years Revenue Growth
Positive Free Cash Flow
Exceptional ROE
58/100
Profitability
Score

PROG Holdings Inc's profitability score is 58/100. The higher the profitability score, the more profitable the company is.

PRG Solvency Score
Solvency Due Diligence

PROG Holdings Inc's solvency score is 57/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
Short-Term Solvency
Long-Term Solvency
Low D/E
57/100
Solvency
Score

PROG Holdings Inc's solvency score is 57/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

PRG Price Targets Summary
PROG Holdings Inc

Wall Street analysts forecast PRG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for PRG is 56.1 USD with a low forecast of 48.48 USD and a high forecast of 63 USD.

Lowest
Price Target
48.48 USD
2% Upside
Average
Price Target
56.1 USD
18% Upside
Highest
Price Target
63 USD
33% Upside
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Dividends

Dividend Yield
Lowest
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Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
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Unsafe
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Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for PRG is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Ownership

PRG Insider Trading
Buy and sell transactions by insiders

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Period Sold Bought Net
3 Months
6 Months
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12 Months
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Profile

PROG Holdings Inc Logo
PROG Holdings Inc

Country

United States of America

Industry

Financial Services

Market Cap

2B USD

Dividend Yield

1.01%

Description

PROG Holdings, Inc. engages in the provision of lease-purchase solutions. The company is headquartered in Draper, Utah and currently employs 2,023 full-time employees. The firm's segments include Progressive Leasing and Vive Financial (Vive). The Progressive Leasing segment provides consumers with lease-purchase solutions through its point-of-sale partner locations and through its e-commerce Website partners in the United States (collectively, POS partners). The company does so by purchasing merchandise from the POS partners desired by customers and, in turn, leasing that merchandise to the customers through a cancellable lease-to-own transaction. The Vive segment primarily serves customers that may not qualify for traditional prime lending offers but have a desire to purchase goods and services from participating merchants. Vive offers customized programs, with services that include revolving loans through private label and Vive-branded credit cards. Vive's network of POS partner locations and e-commerce websites includes furniture, mattresses, home exercise equipment, and home improvement.

Contact

UTAH
Draper
256 W. Data Drive
+13853511369.0
investor.progholdings.com

IPO

1982-05-11

Employees

2 023

Officers

CEO, President & Director
Mr. Steven A. Michaels
Co-Founder & Director
Mr. Curtis Linn Doman
Chief Financial Officer
Mr. Brian J. Garner
Chief Legal & Compliance Officer
Mr. Todd King
Chief Operations Officer
Mr. Trevor Thatcher
Principal Accounting Officer & VP of Financial Reporting
Mr. George Matt Sewell
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Chief Technology Officer
Mr. Sridhar Nallani
Vice President of Investor Relations
Mr. John Allen Baugh C.F.A.
Director of Corporate Communications
Mark Delcorps
Chief People Officer
Ms. Debra A. Fiori
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Discover More
What is the Intrinsic Value of one PRG stock?

The intrinsic value of one PRG stock under the Base Case scenario is 65.22 USD.

Is PRG stock undervalued or overvalued?

Compared to the current market price of 47.43 USD, PROG Holdings Inc is Undervalued by 27%.

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