PROG Holdings Inc (PRG)vsRyder System Inc (R)
PRG
PROG Holdings Inc
$28.99
+0.94%
INDUSTRIALS · Cap: $1.14B
R
Ryder System Inc
$203.64
-0.58%
INDUSTRIALS · Cap: $8.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryder System Inc generates 426% more annual revenue ($12.66B vs $2.41B). PRG leads profitability with a 6.1% profit margin vs 3.9%. R appears more attractively valued with a PEG of 0.86. PRG earns a higher WallStSmart Score of 59/100 (C).
PRG
Buy59
out of 100
Grade: C
R
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-63.6%
Fair Value
$20.67
Current Price
$28.99
$8.32 premium
Margin of Safety
-30.3%
Fair Value
$166.74
Current Price
$203.64
$36.90 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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
6.1% margin — thin
Weak financial health signals
Revenue declined 7.8%
4.5% earnings growth
3.9% margin — thin
Revenue declined 0.4%
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. 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, P/E Ratio, Price/Book. 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, Piotroski F-Score.
Bear Case : R
The primary concerns for R are EPS Growth, Profit Margin, Revenue Growth. Debt-to-equity of 2.84 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 1.77 — expect wider price swings.
R is growing revenue faster at -0.4% — sustainability is the question.
R generates stronger free cash flow (344M), providing more financial flexibility.
Monitor RENTAL & LEASING SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PRG scores higher overall (59/100 vs 56/100). Both earn "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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