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PROG

NYQ:PRG · US74319R1014
Consumer FinanceMedium

360

84
Medium confidence — indicative
EV / EBIT76
Price / Owner Earnings51
Owner Earnings Yield94
Dividend Yield82
Price/Sales81
EV / Gross Profit85
Price/Book59
Returns on capital90
Profit margins40
Cash Conversion78
Accruals12
Owner Earnings Margin14
Sales growth84
Profit Growth40
Long-Term EPS Growth10
Owner Earnings Growth15
Reinvestment44
Price momentum82
Debt load68
Debt serviceability42
Liquidity80
Analyst ratings74
Opinion Changes50
Price Target Upside43
Market mood34
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

PROG clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryConsumer Finance
SizeMedium
TypePublic Company
ExchangeNYSE
Employees843
Websiteprogholdings.com
ISINUS74319R1014
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingBuy Now Pay Later (BNPL)Consumer ElectronicsFurnitureRentalRetail

Description

PROG Holdings, Inc. (PROG Holdings) operates as a financial technology holding company that provides transparent and competitive payment options to consumers. PROG Holdings' operating segments include Progressive Leasing, an in-store, app-based, and…

Analysis

Middle-of-the-road

PROG Holdings, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 9.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 12/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
97
2023202420252026

All-time high

100

Mar 2026

All-time low

50

Jan 2025

Average rank

79

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
84
83
85
Price/Earnings
63
58
56
53
Price/Book
59
42
38
42
Dividend Yield
82
47
1
1
Value (overall)
92
61
43
43

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
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