📊 PRG Key Takeaways
Is PROG Holdings, Inc. (PRG) a Good Investment?
PROG Holdings faces significant profitability erosion with net income declining 25.6% YoY despite flat revenue growth, indicating severe margin compression in a capital-heavy equipment rental business. Elevated leverage (1.21x debt/equity) combined with weak returns on capital (ROE 4.7%, ROA 1.8%) and limited cash reserves ($69.4M) create financial inflexibility amid deteriorating earnings, outweighing the benefit of strong free cash flow generation.
Why Buy PROG Holdings, Inc. Stock? PRG Key Strengths
- Exceptional free cash flow generation at 22.7% FCF margin ($168.6M) provides capital deployment flexibility
- Minimal capital intensity with only $3.1M annual CapEx preserves cash for debt service
- Adequate interest coverage at 3.6x supports near-term debt obligations despite profitability decline
PRG Stock Risks: PROG Holdings, Inc. Investment Risks
- Severe earnings deterioration (net income -25.6%, EPS -20.8%) with zero revenue growth indicates structural margin compression issues
- Elevated leverage (1.21x debt/equity) constrains financial flexibility with only $69.4M cash against $936.1M long-term debt
- Weak capital returns (ROE 4.7%, ROA 1.8%) and compressed net margin (4.9%) reflect poor asset productivity
Key Metrics to Watch
- Quarterly operating margin trend and revenue growth acceleration needs
- Debt reduction trajectory relative to operating cash flow generation
- Return on equity and return on assets recovery toward industry benchmarks
PROG Holdings, Inc. (PRG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 22.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PRG Profit Margin, ROE & Profitability Analysis
PRG vs Industrial Sector: How PROG Holdings, Inc. Compares
How PROG Holdings, Inc. compares to Industrial sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is PROG Holdings, Inc. Stock Overvalued? PRG Valuation Analysis 2026
Based on fundamental analysis, PROG Holdings, Inc. shows some fundamental concerns relative to the Industrial sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
PROG Holdings, Inc. Balance Sheet: PRG Debt, Cash & Liquidity
PRG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: PROG Holdings, Inc.'s revenue has declined by 10% over the 5-year period, indicating business contraction. The most recent EPS of $2.98 reflects profitable operations.
PRG Revenue Growth, EPS Growth & YoY Performance
PRG Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $3.7M | $34.7M | $0.83 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
PROG Holdings, Inc. Dividends, Buybacks & Capital Allocation
PRG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for PROG Holdings, Inc. (CIK: 0001808834)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778276480.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778276327.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778276262.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778276204.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778276119.xml | View → |
❓ Frequently Asked Questions about PRG
What is the AI rating for PRG?
PROG Holdings, Inc. (PRG) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PRG's key strengths?
Claude: Exceptional free cash flow generation at 22.7% FCF margin ($168.6M) provides capital deployment flexibility. Minimal capital intensity with only $3.1M annual CapEx preserves cash for debt service.
What are the risks of investing in PRG?
Claude: Severe earnings deterioration (net income -25.6%, EPS -20.8%) with zero revenue growth indicates structural margin compression issues. Elevated leverage (1.21x debt/equity) constrains financial flexibility with only $69.4M cash against $936.1M long-term debt.
What is PRG's revenue and growth?
PROG Holdings, Inc. reported revenue of $742.7M.
Does PRG pay dividends?
PROG Holdings, Inc. pays dividends, with $5.6M distributed to shareholders in the trailing twelve months.
Where can I find PRG SEC filings?
Official SEC filings for PROG Holdings, Inc. (CIK: 0001808834) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PRG's EPS?
PROG Holdings, Inc. has a diluted EPS of $0.89.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PRG a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, PROG Holdings, Inc. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PRG stock overvalued or undervalued?
Valuation metrics for PRG: ROE of 4.7% (sector avg: 15%), net margin of 4.9% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy PRG stock in 2026?
Our dual AI analysis gives PROG Holdings, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PRG's free cash flow?
PROG Holdings, Inc.'s operating cash flow is $171.7M, with capital expenditures of $3.1M. FCF margin is 22.7%.
How does PRG compare to other Industrial stocks?
Vs Industrial sector averages: Net margin 4.9% (avg: 10%), ROE 4.7% (avg: 15%), current ratio N/A (avg: 1.8).