PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The Company has two reportable segments: (i) Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and (ii) Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the progressive leasing segment.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	0.42
Equity-to-Asset	0.4
Debt-to-Equity	1.04
Debt-to-EBITDA	0.34
Interest Coverage	14.25
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	5.01	Distress Grey Safe
Beneish M-Score	-2.05	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	12.3
	3-Year EBITDA Growth Rate	94.3
	3-Year EPS without NRI Growth Rate	5.4
	3-Year FCF Growth Rate	-10.1
	3-Year Book Growth Rate	-2.4
	Future 3-5Y Total Revenue Growth Rate	0.83

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	43.99
	9-Day RSI	49.79
	14-Day RSI	51.67
	6-1 Month Momentum %	18.32
	12-1 Month Momentum %	14.81

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	5.99
	Quick Ratio	2.77
	Cash Ratio	1.46
	Days Sales Outstanding	8.99

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.35
	Dividend Payout Ratio	0.03
	Forward Dividend Yield %	0.35
	5-Year Yield-on-Cost %	0.35
	3-Year Average Share Buyback Ratio	13.6
	Shareholder Yield %	9.52

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Operating Margin %	17.48
	Net Margin %	4.71
	FCF Margin %	7.25
	ROE %	19.09
	ROA %	7.58
	ROIC %	26.75
	ROC (Joel Greenblatt) %	36.63
	ROCE %	14.48
	Years of Profitability over Past 10-Year	9

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	13.57
	PE Ratio without NRI	7.39
	Shiller PE Ratio	14.48
	PEG Ratio	0.15
	PS Ratio	0.63
	PB Ratio	2.45
	Price-to-Tangible-Book	6.81
	Price-to-Free-Cash-Flow	8.79
	Price-to-Operating-Cash-Flow	8.31
	EV-to-EBIT	9.44
	EV-to-Forward-EBIT	42.44
	EV-to-EBITDA	1
	EV-to-Revenue	0.75
	EV-to-Forward-Revenue	0.85
	EV-to-FCF	10.37
	Price-to-Projected-FCF	0.47
	Price-to-Median-PS-Value	0.82
	Price-to-Peter-Lynch-Fair-Value	0.28
	Price-to-Graham-Number	1.47
	Price-to-Net-Current-Asset-Value	8.56
	Earnings Yield (Greenblatt) %	10.59
	FCF Yield %	12.02
	Forward Rate of Return (Yacktman) %	33.66

GF Value: €32.04

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