Stocks · Financial Services · Financial - Credit Services
PROG Holdings, Inc. PRG
$31.00 -0.48% Close, Oct 2, 2026 · NYSE · Market cap $1.23B
Inexpensive vs sectorHigh risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +32.8%).
- Diluted EPS over the last four quarters was $3.61, down 28.7% year over year.
- The stock is 35% below its highest close of the past year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 27%
- EPS growth (TTM, YoY)Bottom 17%
- FCF growth (TTM, YoY)Bottom 20%
- Revenue growth, 3-year CAGRBottom 6%
- Revenue growth accelerationBottom 50%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 18%
- Gross marginBottom 14%
- Operating marginBottom 20%
- Cash conversion (OCF / net income)Top 42%
- Accruals (lower is better)Top 26%
- Net debt / EBITDA (lower is better)Top 44%
- Interest coverTop 20%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 11%
- Free-cash-flow yieldTop 20%
- EBITDA / enterprise valueTop 2%
- Sales / enterprise valueTop 9%
- P/E vs own 5-year history (lower is better)Top 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 34%
- 6-month returnTop 39%
- 1-year return vs S&P 500Bottom 29%
- Distance from 52-week highBottom 13%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 8%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 15%
- Upside to consensus price targetTop 8%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 19%
- Maximum drawdown, 3 yearsBottom 16%
- Beta vs S&P 500 (lower is better)Bottom 13%
- Net debt / EBITDA (lower is better)Top 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.5% | 0.2% | ↓ |
| EPS growth (YoY) | -25.2% | -28.7% | ↓ |
| Gross margin | 34.5% | 37.2% | ↑ |
| Operating margin | 8.6% | 9.2% | ↑ |
| FCF margin | 8.7% | 6.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.2% | 0.5% | ↓ | Bottom 27% |
| EPS growth (TTM, YoY) | -28.7% | -25.2% | ↓ | Bottom 17% |
| Gross margin | 37.2% | 34.5% | ↑ | Bottom 14% |
| Operating margin | 9.2% | 8.6% | ↑ | Bottom 20% |
| Net margin | 5.8% | 8.5% | ↓ | — |
| Free-cash-flow margin | 6.8% | 8.7% | ↓ | — |
| Return on invested capital | 8.8% | — | Top 18% | |
| Revenue growth, 3-year CAGR | -2.5% | — | Bottom 6% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.27×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +90.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.81×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.29%
- Net buyback yield (TTM)
- -0.14%
- Shareholder yield
- 1.15%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- -4.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +32.8%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $50.10
- Target vs current price
- +61.6%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 78%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +25.7% | -5.1% | +1.7% | -11.6% | — |
| Apr 29, 2026 | +59.0% | +24.1% | +23.0% | +30.5% | +51.4% |
| Feb 18, 2026 | +23.3% | +6.6% | +9.5% | -14.2% | -0.5% |
| Oct 22, 2025 | +23.3% | -0.4% | -3.8% | -20.0% | -0.7% |
| Jul 23, 2025 | +29.1% | +16.6% | +12.4% | +16.5% | +10.7% |
| Apr 23, 2025 | +9.8% | -7.0% | -0.9% | +11.2% | +7.6% |
| Feb 19, 2025 | +3.9% | -28.4% | -31.7% | -39.2% | -32.8% |
| Oct 23, 2024 | +1.3% | -9.6% | -7.9% | -0.3% | -6.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $1.19 | $0.95 | +25.7% | $719.7M |
| Apr 29, 2026 | $1.24 | $0.78 | +59.0% | $742.7M |
| Feb 18, 2026 | $0.74 | $0.60 | +23.3% | $574.6M |
| Oct 22, 2025 | $0.90 | $0.73 | +23.3% | $595.1M |
| Jul 23, 2025 | $1.02 | $0.79 | +29.1% | $604.7M |
| Apr 23, 2025 | $0.90 | $0.82 | +9.8% | $684.1M |
| Feb 19, 2025 | $0.80 | $0.77 | +3.9% | $623.3M |
| Oct 23, 2024 | $0.77 | $0.76 | +1.3% | $606.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.6× | 10.0× | 33th | Top 11% |
| P/E (forward) | 6.3× | — | — | — |
| EV / EBITDA | 2.1× | — | — | Top 2% |
| EV / Sales | 0.81× | — | — | Top 9% |
| Free-cash-flow yield | 13.96% | — | — | Top 20% |
| Earnings yield | 11.65% | — | — | Top 11% |
P/E over the past five years
Range 5.1× – 17.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -3.2%
- Earnings per share growth (TTM)
- -28.7%
- Change in P/E multiple
- +80.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -9.6%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -20.1%
- Distance from 200-day average
- -13.0%
- RSI (14)
- 21.9
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 36.6%
- Volatility vs own 5-year history
- 18th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.16
- Correlation with S&P 500
- 0.36
- Current drawdown from 1-year high
- -34.8%
- Maximum drawdown, 3 years
- -52.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2020 | Oct 21, 2022 | -81.0% | 480 days | Not yet recovered |
| Oct 8, 2020 | Oct 30, 2020 | -12.5% | 16 days | 8 days (Nov 11, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.23B
- P/E (TTM)
- 8.6
- EPS, diluted (TTM)
- $3.61
- Revenue (TTM)
- $2.52B
- Dividend yield
- 1.77%
- 52-week range
- $25.80 – $47.73
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.68B | $2.60B | $2.41B | $2.46B | $2.41B |
| Gross profit | $857.9M | $840.1M | $832.0M | $2.46B | $794.5M |
| Operating income | $333.5M | $185.6M | $225.6M | $194.9M | $238.3M |
| Net income | $243.6M | $98.7M | $138.8M | $197.2M | $146.8M |
| EPS (diluted) | $3.67 | $1.90 | $2.98 | $4.53 | $3.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $606.1M | $623.3M | $684.1M | $604.7M | $595.1M | $574.6M | $742.7M | $611.3M |
| Net income | $84.0M | $57.5M | $34.7M | $38.5M | $33.1M | $40.5M | $36.1M | $37.0M |
| EPS (diluted) | $1.94 | $1.34 | $0.83 | $0.95 | $0.82 | $1.00 | $0.88 | $0.91 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $246.0M | $242.5M | $204.2M | $138.5M | $335.0M |
| Capital expenditure | -$9.6M | -$9.7M | -$9.6M | -$8.3M | -$10.0M |
| Free cash flow | $236.4M | $232.8M | $194.6M | $130.2M | $324.9M |
| Dividends paid | $0 | $0 | $0 | -$20.4M | -$20.8M |
| Net share buybacks | -$570.9M | -$223.9M | -$139.6M | -$138.7M | -$50.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $85.2M
- Total assets
- $2.05B
- Total liabilities
- $1.24B
- Total debt
- $887.1M
- Net debt
- $801.9M
- Shareholders’ equity
- $805.3M
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 18, 2026 | $0.14 | Sep 3, 2026 |
| May 19, 2026 | $0.14 | Jun 2, 2026 |
| Mar 12, 2026 | $0.14 | Mar 24, 2026 |
| Nov 18, 2025 | $0.13 | Dec 2, 2025 |
| Aug 19, 2025 | $0.13 | Sep 4, 2025 |
| May 20, 2025 | $0.13 | Jun 3, 2025 |
| Mar 13, 2025 | $0.13 | Mar 25, 2025 |
| Nov 19, 2024 | $0.12 | Dec 3, 2024 |
Short interest
- Shares sold short
- 2,733,548
- Days to cover
- 4.83
- Change vs previous report
- -0.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 1, 2020
- 1,179-for-1,000
- May 19, 2014
- 1-for-10
- Apr 16, 2010
- 3-for-2
- Aug 17, 2004
- 3-for-2
- Jun 21, 2004
- 1-for-2