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PROG Holdings Inc (PRG)

Upturn stock ratingUpturn stock rating
$29.35
Last Close (24-hour delay)
Profit since last BUY-1.91%
upturn advisory
Consider higher Upturn Star rating
BUY since 31 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

06/30/2025: PRG (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

7 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $36.67

1 Year Target Price $36.67

Analysts Price Target For last 52 week
$36.67Target price
Low$23.4
Current$29.35
high$49.7

Analysis of Past Performance

Type Stock
Historic Profit -41.81%
Avg. Invested days 28
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.20B USD
Price to earnings Ratio 6.09
1Y Target Price 36.67
Price to earnings Ratio 6.09
1Y Target Price 36.67
Volume (30-day avg) 7
Beta 1.75
52 Weeks Range 23.40 - 49.70
Updated Date 06/30/2025
52 Weeks Range 23.40 - 49.70
Updated Date 06/30/2025
Dividends yield (FY) 1.75%
Basic EPS (TTM) 4.87

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 8.38%
Operating Margin (TTM) 15.25%

Management Effectiveness

Return on Assets (TTM) 17.04%
Return on Equity (TTM) 33.88%

Valuation

Trailing PE 6.09
Forward PE 51.28
Enterprise Value 1586845915
Price to Sales(TTM) 0.48
Enterprise Value 1586845915
Price to Sales(TTM) 0.48
Enterprise Value to Revenue 0.63
Enterprise Value to EBITDA 0.84
Shares Outstanding 40354000
Shares Floating 39187781
Shares Outstanding 40354000
Shares Floating 39187781
Percent Insiders 1.87
Percent Institutions 102.42

Analyst Ratings

Rating 3
Target Price 36.67
Buy 1
Strong Buy 4
Buy 1
Strong Buy 4
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

PROG Holdings Inc

stock logo

Company Overview

overview logo History and Background

PROG Holdings, Inc., formerly known as Aaron's, Inc., was founded in 1955. Initially, it focused on the lease-to-own retail sector. Over time, it evolved to include fintech solutions, separating its retail and Progressive Leasing businesses to focus on its fintech offerings.

business area logo Core Business Areas

  • Progressive Leasing: Provides lease-to-own purchase options through retailers, enabling customers with limited or no credit to acquire durable goods.

leadership logo Leadership and Structure

The company is led by CEO Steve Michaels. The organizational structure includes various functional departments such as finance, marketing, operations, and technology, supporting its core business segment.

Top Products and Market Share

overview logo Key Offerings

  • Virtual Lease-to-Own: Progressive Leasing offers a virtual lease-to-own solution that allows consumers to acquire merchandise through online and in-store channels. Market share data is estimated in the 20-25% range within the virtual LTO market. Key competitors include Affirm, Katapult, and other fintech companies offering similar services.

Market Dynamics

industry overview logo Industry Overview

The lease-to-own industry caters to consumers with limited access to traditional credit. It's characterized by increasing adoption of online and virtual solutions.

Positioning

PROG Holdings, through Progressive Leasing, is a significant player in the virtual lease-to-own space, leveraging its established relationships with retailers and its technology platform. They are positioned as a provider of flexible payment options.

Total Addressable Market (TAM)

The TAM for the lease-to-own market is estimated to be in the tens of billions of dollars annually. PROG Holdings is positioned to capture a portion of this market through its online and in-store solutions.

Upturn SWOT Analysis

Strengths

  • Established retailer network
  • Technology platform for virtual LTO
  • Brand recognition
  • Large customer base

Weaknesses

  • High customer acquisition costs
  • Dependence on retail partnerships
  • Regulatory risks associated with LTO industry
  • Sensitivity to economic downturns

Opportunities

  • Expansion into new retail segments
  • Development of new fintech solutions
  • Increased adoption of online LTO options
  • Strategic partnerships with other fintech companies

Threats

  • Increased competition from other fintech providers
  • Changes in consumer spending patterns
  • Economic downturns impacting consumer credit
  • Regulatory changes impacting LTO industry

Competitors and Market Share

competitor logo Key Competitors

  • AFRM
  • KPLT
  • Synchrony Financial (SYF)

Competitive Landscape

PROG Holdings has a large retailer network as advantage. Disadvantage is high customer costs. Competitors provide more diverse range of lending products.

Growth Trajectory and Initiatives

Historical Growth: Growth trends depend on market conditions, retailer partnerships, and the adoption of virtual LTO solutions. Refer to financial statements.

Future Projections: Future growth depends on the company's ability to expand its retailer network and develop new fintech solutions. Refer to analyst reports.

Recent Initiatives: Recent initiatives focus on expanding the retailer network, improving the technology platform, and marketing its virtual LTO solution.

Summary

PROG Holdings, formerly Aaron's, is a key player in the virtual lease-to-own market through its Progressive Leasing segment. The company benefits from a strong retailer network and technology platform, but faces challenges such as high customer acquisition costs and regulatory risks. Future success depends on its ability to expand its retailer partnerships, develop new fintech solutions, and adapt to changes in consumer spending patterns and the competitive landscape. The company's competitive advantage lies in providing flexible payment options to underserved consumers, but it must navigate economic uncertainties and increased competition.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

The data and analysis provided are for informational purposes only and do not constitute financial advice. Investment decisions should be based on individual due diligence.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About PROG Holdings Inc

Exchange NYSE
Headquaters Draper, UT, United States
IPO Launch date 1984-09-07
CEO, President & Director Mr. Steven A. Michaels
Sector Industrials
Industry Rental & Leasing Services
Full time employees 1403
Full time employees 1403

PROG Holdings, Inc., a financial technology holding company, provides payment options to consumers in the United States. It operates through two segments: Progressive Leasing and Vive. The company owns Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial, an omnichannel provider of second-look revolving credit products. It also provides buy now pay later payment options through four interest-free installments; and Build, a credit building financial management tool. The company was formerly known as Aaron's Holdings Company, Inc. and changed its name to PROG Holdings, Inc. in December 2020. PROG Holdings, Inc. was founded in 1955 and is based in Draper, Utah.