PROG Holdings, Inc. (PRG) has a MoatMap StockRank of 99/100 based on Quality (77/100), Value (77/100), and Momentum (50/100) factor scores. The current signal is STRONG BUY. PROG Holdings provides lease-to-own solutions, often catering to consumers with lower credit scores. This business model typically involves higher credit risk, making it susceptible to economic downturns and increased consumer financial distress, which aligns with consumers being 'casualties' of the 'Geopolitical Energy Shock' (inflation, reduced discretionary spending). It does not exhibit the characteristics of a high-quality, asset-light compounder with strong pricing power and a durable moat in the fund's preferred style. The lack of a strong macro tailwind and the inherent risks of its customer base make it an unsuitable investment for a high-conviction fund.
PROG Holdings, Inc. is a fintech company that provides lease-to-own solutions for consumers seeking to acquire durable goods such as electronics, furniture, and appliances. The company utilizes proprietary decisioning technology and a broad network of retail partners to offer flexible payment options, catering to an underserved customer segment.
| Price | $33.46 |
| Market Cap | $1.3B |
| P/E (TTM) | 8.40 |
| P/E (Forward) | 6.19 |
| Price/Book | 1.75 |
| Return on Equity | 17.6% |
| Return on Invested Capital | 14.5% |
| Debt/Equity | 120.89 |
| Gross Margin | 34.8% |
| Operating Margin | 14.7% |
| Revenue Growth | 11.1% |
| Dividend Yield | 1.7% |
| Free Cash Flow | $1.5B |
PROG Holdings, Inc. operates in the Rental & Leasing Services industry, part of the Industrials sector (United States).