PROG Holdings Inc (PRG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PROG Holdings Inc stock (PRG) is currently trading at $28.99. PROG Holdings Inc PE ratio is 9.45. PROG Holdings Inc PS ratio (Price-to-Sales) is 0.47. Analyst consensus price target for PRG is $43.86. WallStSmart rates PRG as Hold.
- PRG PE ratio analysis and historical PE chart
- PRG PS ratio (Price-to-Sales) history and trend
- PRG intrinsic value — DCF, Graham Number, EPV models
- PRG stock price prediction 2025 2026 2027 2028 2029 2030
- PRG fair value vs current price
- PRG insider transactions and insider buying
- Is PRG undervalued or overvalued?
- PROG Holdings Inc financial analysis — revenue, earnings, cash flow
- PRG Piotroski F-Score and Altman Z-Score
- PRG analyst price target and Smart Rating
PROG Holdings Inc
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PRG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PROG Holdings Inc (PRG)
PRG trades 64% above its Graham fair value of $20.67, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PROG Holdings Inc (PRG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
PROG Holdings Inc (PRG) Key Strengths (5)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
108.84% of shares held by major funds and institutions
Trading at 1.47x book value, attractively priced
Solid profitability: $18 profit per $100 equity
Supporting Valuation Data
PROG Holdings Inc (PRG) Areas to Watch (5)
Revenue declining -7.80%, a shrinking business
Earnings declining -25.90%, profits shrinking
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
PROG Holdings Inc (PRG) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Institutional Own.. Valuation metrics including PEG Ratio (0.93), Price/Sales (0.47), Price/Book (1.47) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 17.80%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Operating Margin. Growth concerns include Revenue Growth at -7.80%, EPS Growth at -25.90%, which may limit upside. Profitability pressure is visible in Operating Margin at 13.90%, Profit Margin at 6.09%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 17.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -7.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Sales) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PRG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PRG's Price-to-Sales ratio of 0.47x sits near its historical average of 0.53x (26th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 49% below its historical high of 0.93x set in Dec 2006, and 75% above its historical low of 0.27x in Jun 2016. Over the past 12 months, the PS ratio has compressed from ~0.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for PROG Holdings Inc (PRG) · INDUSTRIALS › RENTAL & LEASING SERVICES
The Big Picture
PROG Holdings Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 2.4B with 8% decline year-over-year. Profit margins are thin at 6.1%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1780.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Revenue contracted 8% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -57M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can PROG Holdings Inc push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 1.77, so expect amplified moves relative to the broader market.
Sector dynamics: monitor RENTAL & LEASING SERVICES industry trends, competitive moves, and regulatory changes that could impact PROG Holdings Inc.
Bottom Line
PROG Holdings Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About PROG Holdings Inc(PRG)
NYSE
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.