PROG Holdings Inc (PRG)vsRyder System Inc (R)
PRG
PROG Holdings Inc
$35.25
+3.22%
INDUSTRIALS · Cap: $1.54B
R
Ryder System Inc
$265.22
+0.10%
INDUSTRIALS · Cap: $10.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryder System Inc generates 410% more annual revenue ($12.66B vs $2.48B). PRG leads profitability with a 6.0% 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
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-17.0%
Fair Value
$28.90
Current Price
$35.25
$6.35 premium
Margin of Safety
-89.4%
Fair Value
$114.76
Current Price
$265.22
$150.46 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
Growing faster than its price suggests
Areas to Watch
Smaller company, higher risk/reward
6.0% margin — thin
Elevated debt levels
2.5% earnings growth
3.9% margin — thin
Revenue declined 0.2%
Distress zone — elevated risk
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 11.1% 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 EPS Growth, Profit Margin, Revenue Growth. Debt-to-equity of 3.05 is elevated, increasing financial risk. Thin 3.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
PRG carries more volatility with a beta of 1.83 — expect wider price swings.
PRG is growing revenue faster at 11.1% — sustainability is the question.
PRG generates stronger free cash flow (169M), providing more financial flexibility.
Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRG scores higher overall (69/100 vs 55/100) and 11.1% 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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