PROG Holdings, Inc.

PRG

$38.72

+0.65%

2026-09-04 09:51:20 EDT+$0.25

Financial Services

Financial - Credit Services

NYSE

Active Trading

PROG Holdings, Inc. functions as a multi-channel financial services firm, specializing in lease-to-own programs for individuals with limited credit access or those ...

Financial Highlights of PRG

Profitability trend

Latest / TTM · 6 periods

Gross Margin

37.2%

Net Margin

5.8%

P/E Ratio

10.48x

n/a

Debt / Equity

1.10

n/a

Current Ratio

3.30

Dividend Yield

1.4%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

37.2%

Net Margin

5.8%

P/E Ratio

10.48x

Debt / Equity

1.10

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	32.0%	32.3%	34.5%	100.0%	33.0%	—
Operating MarginOperating income as a percentage of revenue.	12.5%	7.1%	9.4%	7.9%	9.9%	—
Net MarginNet income as a percentage of revenue.	9.1%	3.8%	5.8%	8.0%	6.1%	—
EBITDA MarginEBITDA divided by revenue.	18.3%	76.2%	76.2%	75.1%	75.9%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	12.3%	5.7%	8.1%	6.6%	7.2%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	7.87	7.22	6.50	5.94	11.22	—
Quick RatioLiquid assets divided by current liabilities.	2.62	2.42	2.31	2.18	4.91	—
Cash RatioCash and equivalents divided by current liabilities.	1.25	0.98	1.03	0.53	3.20	—
Debt / AssetsDebt as a share of total assets.	37.9%	41.0%	40.8%	43.3%	37.8%	—
Debt / EquityDebt compared with shareholder equity.	0.91	1.07	1.03	1.01	0.82	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	14.43x	13.29x	12.37x	10.36x	14.61x	—
Inventory TurnoverHow often inventory is sold in a year.	2.55x	2.71x	2.49x	0.00x	2.65x	—
Payables TurnoverHow often payables are paid in a year.	132.45x	122.18x	77.89x	0.00x	87.26x	—
Asset TurnoverRevenue generated per dollar of assets.	1.65x	1.74x	1.61x	1.63x	1.50x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	3.26x	2.93x	2.88x	2.85x	2.56x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	12.22x	8.89x	10.24x	9.13x	8.06x	—
P/B RatioPrice paid for each dollar of book value.	4.38x	1.54x	2.41x	2.77x	1.58x	—
P/S RatioPrice paid for each dollar of sales.	1.11x	0.34x	0.59x	0.73x	0.49x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	12.60x	3.77x	7.31x	13.82x	3.64x	—
Dividend YieldAnnual dividend divided by current share price.	0.0%	0.0%	0.0%	1.1%	1.8%	—

Supply Chain of PRG

RELATIONS

Upstream

JPMorgan Chase Bank, N.A.NYSE:JPMConsortium of Institutional Lenders (Credit Agreement)Equifax Inc.NYSE:EFXExperian plcLON:EXPNTransUnionNYSE:TRU Atlanticus Holdings CorporationNASDAQ:ATLC

Downstream

Walmart Inc.NYSE:WMT Best Buy Co., Inc.NYSE:BBY Lowe's Companies, Inc.NYSE:LOW Amazon.com, Inc.NASDAQ:AMZN The Home Depot, Inc.NYSE:HD Bed Bath & Beyond, Inc. (formerly Beyond/Overstock)NYSE:BBBY Big Lots, Inc.OTC:BIGGQ Signet Jewelers Limited (Kay Jewelers, Zales, Jared)NYSE:SIG Somnigroup International Inc. (Mattress Firm)NYSE:SGIGuitar Center, Inc.Wayfair Inc.NYSE:W AT&T Inc. (Cricket Wireless)NYSE:TAshley Furniture Industries, Inc.Nationwide Marketing GroupEmployer Partners (Purchasing Power — 360+ employers)

Proxies

Upbound Group, Inc.NASDAQ:UPBD Katapult Holdings, Inc.NASDAQ:KPLT Atlanticus Holdings CorporationNASDAQ:ATLC FlexShopper, Inc.OTC:FPAYQ

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