# PROG Holdings Inc. (PRG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Commercial Services & Supplies. Price $39.29, market value $1.6 billion.

## Valuation
- **P/E (trailing): 12.7×** (5-yr avg 9.5×, 3-yr avg 9.1×). PROG Holdings Inc. trades at 12.7× trailing earnings, well above its own five-year average of 9.5×: investors are paying up relative to the company's past. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 7.0×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 7.2×**. Enterprise value is 7.2× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 20.4%** (5-yr avg 16.9%). Free cash flow equals 20.4% of the market value, above its five-year average of 16.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 7.9%**. The inverse of the P/E: 7.9% of the price is earned each year.

## Profitability
- **Operating margin: 10.7%**. 10.7% of revenue is left after running the business.
- **Net margin: 6.1%**. 6.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.7%**. 19.7% on shareholders' equity is solid.
- **Return on invested capital: 16.9%**. Return on all capital, debt included, is 16.9%: comfortably above what that capital costs.
- **Return on assets: 9.1%**. Each dollar of assets produces 9.1% of profit.

## Growth
- **Revenue growth (1 yr): 0.4%** (3-yr -2.5%/yr, 5-yr -0.6%/yr). Revenue grew 0.4% over the last year, against -0.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -20.8%** (3-yr 23.6%/yr). Earnings per share fell 20.8%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 11.8%/yr**. Free cash flow has compounded at 11.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.80**. Debt is 0.80 times equity, moderate leverage.
- **Net debt / EBITDA: 1.1×**. It would take 1.1 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 3.66**. A Z-score of 3.66 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.43%** ($0.54 per share, trailing). PROG Holdings Inc. yields 1.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%** (7% of free cash flow). 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 30.0%/yr** (1-yr 8.3%). The dividend has compounded at 30.0% a year over five years, doubling roughly every 2 years at that pace.

## Analyst view
- **Analyst consensus: strong_buy** (7 analysts). 7 analysts cover PROG Holdings Inc.; the consensus is strong_buy, with an average price target of $53.43 (+36% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 12.3%** (YTD 34.4%, 3-mo 11.5%). The shares are up 12.3% over twelve months including dividends.
- **From 52-week high: -17.7%** (52.3% above the low). Trading 18% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 1.13** (volatility 47%). Beta of 1.13 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PRG · Page: https://foliofundamentals.com/stocks/prg

Not investment advice.