PROG Holdings Inc (PRG)vsRyder System Inc (R)
PRG
PROG Holdings Inc
$30.88
+4.29%
INDUSTRIALS · Cap: $1.24B
R
Ryder System Inc
$275.61
-1.39%
INDUSTRIALS · Cap: $9.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryder System Inc generates 390% more annual revenue ($12.82B vs $2.61B). PRG leads profitability with a 5.6% profit margin vs 3.9%. R appears more attractively valued with a PEG of 0.86. PRG earns a higher WallStSmart Score of 69/100 (B-).
PRG
Strong Buy69
out of 100
Grade: B-
R
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-9.9%
Fair Value
$30.75
Current Price
$30.88
$0.13 premium
Margin of Safety
-77.2%
Fair Value
$122.62
Current Price
$275.61
$152.99 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 22.3% year-over-year
Growing faster than its price suggests
Areas to Watch
Smaller company, higher risk/reward
5.6% margin — thin
Elevated debt levels
Earnings declined 4.2%
3.9% margin — thin
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PRG
The strongest argument for PRG centers on P/E Ratio, Altman Z-Score, PEG Ratio. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : R
The strongest argument for R centers on PEG Ratio. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : PRG
The primary concerns for PRG are Market Cap, Profit Margin, Debt/Equity.
Bear Case : R
The primary concerns for R are Profit Margin, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.42 is elevated, increasing financial risk. Thin 3.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
PRG profiles as a growth stock while R is a value play — different risk/reward profiles.
PRG carries more volatility with a beta of 1.78 — expect wider price swings.
PRG is growing revenue faster at 22.3% — sustainability is the question.
R generates stronger free cash flow (182M), providing more financial flexibility.
Bottom Line
PRG scores higher overall (69/100 vs 59/100) and 22.3% revenue growth. 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.
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.
Ryder System Inc
INDUSTRIALS · RENTAL & LEASING SERVICES · USA
Ryder System, Inc. is a global transportation and logistics company. The company is headquartered in Miami, Florida.
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