PRG

PROG Holdings Inc

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31.350

-0.01(-0.032%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

31.650

Open

31.330

VWAP

31.38

Vol

514.09K

Mkt Cap

1.24B

Low

31.240

Amount

16.13M

EV/EBITDA(TTM)

0.85

Total Shares

43.17M

1.61B

EV/OCF(TTM)

7.10

P/S(TTM)

0.52

PROG Holdings, Inc. is a fintech holding company that provides payment options and inclusive consumer financial products. Its Progressive Leasing segment is provider of e-commerce, app-based, in-store point-of-sale lease-to-own solutions provider. The segment provides consumers with lease-purchase solutions through its point-of-sale partner locations and e-commerce Website partners. It does so by purchasing the merchandise from the POS partners desired by customers and, in turn, leasing that merchandise to the customers through a cancellable lease-to-own transaction. Its Vive segment primarily serves customers that may not qualify for traditional prime lending offers who desire to purchase goods and services from participating merchants. Vive offers customized programs with services that include revolving loans through private label and Vive-branded credit cards. Its Four segment provides consumers of all credit backgrounds with BNPL options through four interest-free installments.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

587.05M

-3.15%

0.740

-3.9%

601.68M

-3.47%

0.675

-15.63%

664.78M

-2.82%

0.810

-10%

Estimates Revision

The market is revising Upward the revenue expectations for PROG Holdings, Inc. (PRG) for FY2025, with the revenue forecasts being adjusted by 0.17% over the past three months. During the same period, the stock price has changed by 12.33%.

Revenue Estimates for FY2025

Revise Upward

+0.17%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+12.33%

In Past 3 Month

5 Analyst Rating

14.83% Upside

Wall Street analysts forecast PRG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PRG is 36.00 USD with a low forecast of 24.00 USD and a high forecast of 45.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

4 Buy

0 Hold

1 Sell

Moderate Buy

14.83% Upside

Current: 31.350

Low

24.00

Averages

36.00

High

45.00

14.83% Upside

Current: 31.350

Low

24.00

Averages

36.00

High

45.00

Jefferies

Hold

maintain

$29 -> $35

2025-07-24

Reason

Jefferies

Price Target

$29 -> $35

2025-07-24

maintain

Hold

Reason

Jefferies raised the firm's price target on Prog Holdings to $35 from $29 and keeps a Hold rating on the shares following Q2 results that exceeded guidance and expectations. While the firm continues to look for a turnaround in demand for consumer durable goods, it considers this "a positive quarter from an execution perspective," the analyst tells investors.

BTIG

Vincent Caintic

Buy

maintain

$100

2025-07-22

Reason

BTIG

Vincent Caintic

Price Target

$100

2025-07-22

maintain

Buy

Reason

BTIG analyst Vincent Caintic says the firm's bullish thesis on Synchrony (SYF) remains intact following management's bullish commentary on its 2Q25 earnings call. The fir, which has a Buy rating and $100 price target on Synchrony shares, expects Synchrony to continue to win large merchant partnerships such as the announcements made this morning of a Buy Now Pay Later product with Amazon (AMZN), the physical card rollout for PayPal (PYPL), and the win of the credit card partnership with Walmart (WMT). BTIG thinks think Bread Financial (BFH) will benefit from the same trends that Synchrony posted, is incrementally negative on Affirm (AFRM) following the announcement that Synchrony is providing Buy Now Pay Later at Amazon, which is an existing Affirm relationship, and says Synchrony's announcement that it is ramping up Buy Now Pay Later at Lowe's (LOW) is negative for Progressive (PRG).

BTIG

Vincent Caintic

Neutral -> Sell

downgrade

$24

2025-07-14

Reason

BTIG

Vincent Caintic

Price Target

$24

2025-07-14

downgrade

Neutral -> Sell

Reason

BTIG analyst Vincent Caintic downgraded Prog Holdings to Sell from Neutral with a $24 price target.

BTIG

Vincent Caintic

Neutral -> Sell

downgrade

$24

2025-07-14

Reason

BTIG

Vincent Caintic

Price Target

$24

2025-07-14

downgrade

Neutral -> Sell

Reason

BTIG analyst Vincent Caintic downgraded Prog Holdings to Sell from Neutral with a $24 price target. The firm worries that Progressive Leasing will be squeezed by the increasing appetite of the traditional credit cards and point of sale finance providers, which will further exacerbate the Gross Merchandise Volume issues that Progressive has been experiencing, the analyst tells investors in a research note.

KeyBanc

Overweight

downgrade

$50 -> $45

2025-04-24

Reason

KeyBanc

Price Target

$50 -> $45

2025-04-24

downgrade

Overweight

Reason

KeyBanc lowered the firm's price target on Prog Holdings to $45 from $50 to reflect lower estimates, while keeping an Overweight rating on the shares. The firm notes Q1 results were better than expected, but consumer trends deteriorated as the quarter progressed. While the uncertain macro outlook is creating significant uncertainty for many, KeyBanc sees valuation as supportive, at 7.4-turns 2026 EPS and an 18.1% free cash flow yield.

Loop Capital

Buy

downgrade

$45 -> $40

2025-04-24

Reason

Loop Capital

Price Target

$45 -> $40

2025-04-24

downgrade

Buy

Reason

Loop Capital lowered the firm's price target on Prog Holdings $40 from $45 and keeps a Buy rating on the shares after its Q1 results. Earnings were ahead of our expectations, and while management lowered its 2025 guidance, this was perfectly understandable giving growing US macroeconomic uncertainty, the analyst tells investors in a research note. Loop adds its reduced price target reflects lowered near-term earnings outlook.

See All Ratings

Valuation Metrics

The current forward P/E ratio for PROG Holdings Inc (PRG.N) is 9.58, compared to its 5-year average forward P/E of 10.81. For a more detailed relative valuation and DCF analysis to assess PROG Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

10.81

Current PE

9.58

Overvalued PE

13.62

Undervalued PE

8.00

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

7.44

Current EV/EBITDA

6.17

Overvalued EV/EBITDA

9.15

Undervalued EV/EBITDA

5.74

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

0.74

Current PS

0.50

Overvalued PS

1.05

Undervalued PS

0.43