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PROG Holdings, Inc.

PRG

$42.83 ▼ -0.61 (-1.40%) at close

9 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

PROG Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.7B

Dividend Yield 1.21%

Revenue Growth 0.4% ↗

Op. Margin 8.6% ↗

ROIC 11.0% ↘

FCF / Share $8.10 ↗

Trailing P/E 11.7x

Price / Book 2.3x

FCF Yield 18.9%

Debt / Equity 0.80

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.41B

— +0.4% —

Net Income Profit after all expenses

$146.79M

↓ -25.6% —

Operating Margin Operating profit as % of sales

8.6%

↑ +5.7% 53th

FCF / Share Free cash flow per share

$8.10

↑ +165.1% —

Long-Term Debt Long-term obligations

$594.86M

↓ -7.6% —

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Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.52 Latest / share

+8.3% YoY

+42.8% 5-yr CAGR

FY 2017

$0.12

FY 2018

$0.14

FY 2019

$0.17

FY 2020

FY 2021

FY 2022

FY 2023

$0.48

FY 2024

$0.52

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	0.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	-0.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-108%)	-7.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	-3.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-160%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	14.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+197%)	6.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	—	—
EPS Growth YoY (%)	-21.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	53.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	58.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-48.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-83.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-25.6% Weak ↓ Weak Declining Year-over-year change in net income	42.1% Excellent ↑ Excellent Improving Year-over-year change in net income	40.7% Excellent Excellent Year-over-year change in net income	-59.5% Weak Weak Year-over-year change in net income	N/M	N/M	-84.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	165.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-27.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-5.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	25.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-38.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	74.8% Excellent Excellent Year-over-year change in free cash flow	-17.1% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.3% Fair Fair Compound annual revenue growth over 3 years	9.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.1% Caution Caution Compound annual revenue growth over 5 years	3.4% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	24.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	—	59.3% Excellent Excellent Compound annual EPS growth over 3 years	9.1% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	8.6% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	8.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	9.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	7.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	12.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	10.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	1.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	7.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	—
Effective Tax Rate (%) (%)	28.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-20.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	6.1% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	8.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	3.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	9.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	-2.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-131%)	1.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	9.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—
FCF Margin (%) (%)	13.5% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.4% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.1% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.0% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.8% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	15.8% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.4% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	13.6% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	2.21x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.66x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.40x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	2.36x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.97x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-6.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	7.12x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.42x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%)	11.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	18.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	13.5% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.6% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	19.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	22.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	1.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	7.0% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	12.8% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	12.9% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	15.1% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	12.4% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	20.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	20.6% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	19.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+31%)	30.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+102%)	23.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+57%)	17.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	35.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+139%)	-6.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-142%)	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	11.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	0.80x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+14%)	0.99x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+41%)	1.00x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+43%)	1.04x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+48%)	0.87x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+24%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	—	—
Interest Coverage (x)	5.52x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	5.26x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	6.10x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	5.20x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	62.66x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	1453.28x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$286.09M	$552.64M	$436.85M	$459.09M	$419.50M	$13.36M	$-57.76M	—	—
Debt / EBITDA (x)	2.58x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.91x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.30x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.01x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.71x Good Good Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.18x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$60.09	$56.34	$52.31	$50.03	$40.56	$36.94	$32.13	$29.46	—
Basic EPS, GAAP (USD)	$3.66	$4.63	$3.02	$1.90	$3.69	$-0.91	$0.47	$2.84	—
Free Cash Flow per Share (USD)	$8.10	$3.06	$4.23	$4.48	$3.58	$5.82	$3.33	$4.02	—
Dividend per Share (USD)	$0.52	$0.48	—	—	—	$0.17	$0.14	$0.12	—
Book Value per Share (USD)	$18.62	$15.27	$12.85	$10.99	$10.29	$14.66	$25.81	$25.47	—
Tangible Book Value per Share (USD)	$9.79	$6.59	$4.42	$3.08	$3.57	$8.07	$18.89	$25.47	—
Basic Weighted Avg Shares (shares)	40.09M	42.58M	46.03M	51.92M	66.03M	67.26M	67.32M	69.13M	—
Dividend Payout Ratio (%)	14.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	10.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
LT Debt (USD)	$594.86M	$643.56M	$592.26M	$590.97M	$589.65M	$50.00M	—	—	—
Total Equity (USD)	$746.42M	$650.28M	$591.33M	$570.46M	$679.41M	$986.14M	$1.74B	$1.76B	$1.73B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$2.41B	$2.40B	$2.41B	$2.60B	$2.68B	$2.48B	$2.16B	$2.04B	—
Depreciation Expense (USD)	$24.03M	$26.33M	$32.03M	$11.00M	$11.00M	$9.70M	$9.10M	$7.10M	—
Net Income, GAAP (USD)	$146.79M	$197.25M	$138.84M	$98.71M	$243.56M	$-61.47M	$31.47M	$196.21M	—
Operating Cash Flow (USD)	$334.96M	$138.53M	$204.24M	$242.48M	$245.96M	$455.96M	$317.19M	$356.50M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 32 quarters

PROG Holdings, Inc.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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Peer Comparison

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