PROG Holdings, Inc.

PRG US Financials Consumer Finance
S&P 600
$36.96
-0.51%
Delayed · cached 15 min

Fair value analysis

PRG
PROG Holdings, Inc.
FinancialsConsumer Finance
$36.96
Close used for this calculation
$70.69Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
65/100
Profitability11/25
Returns19/25
Balance Sheet14/25
Efficiency21/25
Growth12/25
Strong
Quality radar
65Prof.11/25Ret.19/25Eff.21/25B.Sht14/25Growth12/25

Consensus fair value

$70.69
Below FV
▲ +91.3% against the close used
Model range $9.62 – $120.72
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$9.62Fair value$70.69Bull$120.72
FairClose
52-week traded range
52W low $26.1852W high $47.53

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

PROG Holdings, Inc. closed at $36.96, 47.7% below the consensus fair value of $70.69 drawn from 9 valuation models.

Financial DNA score 65/100 — Strong. P/E of 10.3x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$120.72
+226.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=4.4%, r=10%, tg=3%, n=10yr
Graham Number
$39.96
+8.1%
√(22.5 × EPS × BVPS)
EPS=3.59, BVPS=19.76
P/E Fair Value
$71.80
+94.3%
EPS × 20x (sector P/E)
EPS=3.59, Sector P/E=20x
Peter Lynch (PEG)
$15.62
-57.7%
EPS × Growth% (PEG = 1 is fair)
EPS=3.59, g=4.4%
EV/EBITDA
$61.73
+67.0%
(EBITDA × 12.2x − Net Debt) ÷ Shares
EBITDA=230.81M
Dividend Discount (DDM)
$9.62
-74.0%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.52, r=10%, g=4.4%
Book Value (P/B)
$48.55
+31.4%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=19.76, ROE=18.2%, g=4.4%, r=10%
Reverse DCF
$36.96
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -1.9% | Historical: 4.4%
Margin of Safety
$58.12
+57.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=77.49, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.