WallStSmart

AerCap Holdings NV (AER)vsPROG Holdings Inc (PRG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AerCap Holdings NV generates 254% more annual revenue ($8.52B vs $2.41B). AER leads profitability with a 44.0% profit margin vs 6.1%. AER appears more attractively valued with a PEG of 0.80. AER earns a higher WallStSmart Score of 79/100 (B+).

AER

Strong Buy

79

out of 100

Grade: B+

Growth: 6.0Profit: 8.5Value: 10.0Quality: 4.3
Piotroski: 7/9Altman Z: 0.90

PRG

Buy

59

out of 100

Grade: C

Growth: 2.0Profit: 7.0Value: 7.3Quality: 7.3
Piotroski: 2/9Altman Z: 4.63
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AERUndervalued (+59.9%)

Margin of Safety

+59.9%

Fair Value

$369.94

Current Price

$137.82

$232.12 discount

UndervaluedFair: $369.94Overvalued
PRGSignificantly Overvalued (-63.6%)

Margin of Safety

-63.6%

Fair Value

$20.67

Current Price

$28.99

$8.32 premium

UndervaluedFair: $20.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AER6 strengths · Avg: 9.5/10
P/E RatioValuation
6.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
44.0%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
48.0%10/10

Strong operational efficiency at 48.0%

Return on EquityProfitability
21.1%9/10

Every $100 of equity generates 21 in profit

PEG RatioValuation
0.808/10

Growing faster than its price suggests

PRG4 strengths · Avg: 9.0/10
P/E RatioValuation
9.4x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
4.6310/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.938/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

AER2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-891.09M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.902/10

Distress zone — elevated risk

PRG4 concerns · Avg: 2.8/10
Market CapQuality
$1.14B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.1%3/10

6.1% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-7.8%2/10

Revenue declined 7.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : AER

The strongest argument for AER centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 44.0% and operating margin at 48.0%. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bull Case : PRG

The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bear Case : AER

The primary concerns for AER are Free Cash Flow, Altman Z-Score.

Bear Case : PRG

The primary concerns for PRG are Market Cap, Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

AER profiles as a mature stock while PRG is a value play — different risk/reward profiles.

PRG carries more volatility with a beta of 1.77 — expect wider price swings.

AER is growing revenue faster at 8.3% — sustainability is the question.

PRG generates stronger free cash flow (-57M), providing more financial flexibility.

Bottom Line

AER scores higher overall (79/100 vs 59/100), backed by strong 44.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AerCap Holdings NV

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

AerCap Holdings NV is engaged in the leasing, financing, sale and management of commercial aircraft and engines in mainland China, Hong Kong, Macau, the United States, Ireland and internationally. The company is headquartered in Dublin, Ireland.

PROG Holdings Inc

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

PROG Holdings, Inc. is an omnichannel provider of leasing and purchasing solutions for underserved and credit-distressed customers. The company is headquartered in Draper, Utah.

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