Stock Ratings / Consumer Discretionary / PRG / dividends

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PROG Holdings Inc. (PRG) Dividend Safety Gauge & 10-Year DRIP Compounder

$33.48 +8.42% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.07

PROG Holdings Inc. (PRG) earns a Roarable Rating of B+ (Buy) with 80/100 RQD Confidence. High-quality cash engine (steady margins, 37% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 80/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.2% avg 90D alpha vs SPY • 71.3% hit rate) →

ROARABLE B+ • BUY Cap $1.31B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $34.07 (+1.76%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 13.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 80/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.2% avg 90D alpha vs SPY • 71.3% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+9.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRG)Realized 20D OHLCV Swing Band: ±10.6%

Deterministic 5-Pillar Attribution (80/100 Composite)

🔍 WHY PRG SCORES 80/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 13.5% FCF Margin ($324.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk14/20 pts (-6 pt drag)

Balance-sheet & 10-K footnote risk deducts 6 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$30.48+1.7% Next Q

Q2 (-2Q)

Grade B+$30.99-2.3% Next Q

Q3 (-1Q)

Grade B+$30.27+10.6% Next Q

Current

Grade B+$33.48+8.2% Hist 90D α

Trajectory: B (72) → B+ (80)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PRG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 80/100 (B+) score, PRG faces multiple-compression risk if 8.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.03) or 200D SMA ($35.66) invalidates the momentum regime and cuts Target Base ($36.79) toward Bear Floor ($27.45).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PRG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PRG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 80%NO 20%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.39% Total Yield

1.59% Cash ($0.53/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,488

Est. Year-10 Shareholder Yield: $661/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.1K

Yr 4

$14.0K

Yr 5

$14.9K

Yr 6

$16.0K

Yr 7

$17.1K

Yr 8

$18.2K

Yr 9

$19.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in PRG & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on PRG and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PRG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.56%▼ DESCENDING CHANNEL

2026-10-30O $33.54H $34.81L $33.17C $33.48VOL 1.01M

RES: $43.82SUP: $25.05SMA50: $34.03SMA200: $35.66

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PRG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PRG Butterfly Map → + Track PRG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.4%/yr Implied 5Y Growth

vs. +0.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PRG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PRG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PRG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRG)

Consumer Discretionary Rank #29 of 1011 ⚔️ UPBD vs PRG Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (PRG vs. UPBD, ARLO, KPLT, CTOS)

Industry: Diversified Commercial Services (32 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, PROG Holdings Inc. (PRG) ranks #29 by composite RQD confidence (80/100, grade B+) and #478 by equity capitalization ($1.31B). Within this direct 5-issuer industry benchmark cohort, PRG leads on earnings valuation at 8.9x trailing P/E, while PRG leads on capital efficiency and profitability with 37.3% ROIC and — gross margin. PRG currently leads its immediate peer cohort in composite quantitative strength at 80/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PRG ACTIVE PROG Holdings Inc.	B+	80/100	8.9x	—	37.3%	+8.42%	$1.31B	Benchmark Subject
UPBD Upbound Group Inc.	B+	79/100	16.0x	48.4%	30.7%	+18.16%	$1.16B	/upbd-vs-prg →
ARLO Arlo Technologies Inc.	C+	68/100	106.3x	44.0%	6.0%	+8.14%	$1.59B	/arlo-vs-prg →
KPLT Katapult Holdings Inc.	D	48/100	—	17.7%	-0.8%	+37.58%	$1.06B	/kplt-vs-prg →
CTOS Custom Truck One Source Inc.	C-	61/100	—	28.5%	4.1%	+1.39%	$2.48B	/ctos-vs-prg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001808834

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PROG Holdings Inc. (PRG) reported GAAP revenue of $2.41B (+0.4% vs. FY2024 revenue of $2.40B , and +3.0% cumulative change since FY2023) , GAAP net income of $146.8M, operating cash flow of $335.0M, and free cash flow of $324.9M (+149.5% YoY). On the balance sheet, PRG closed FY2025 with $1.61B in total assets against $0 in total debt (Altman Z-Score: 4.21, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.41B	$146.8M	$335.0M	$324.9M	$1.61B	—
FY2024 (FY)	2024-12-31	$2.40B	$197.2M	$138.5M	$130.2M	$1.51B	—
FY2023 (FY)	2023-12-31	$2.34B	$138.8M	$204.2M	$204.2M	—	—

3. PRG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PRG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, PROG Holdings Inc. (NYSE: PRG) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 80/100 at a spot price of $33.48 (+8.42% 1D, market cap $1.31B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, PRG ranks #29 in composite RQD confidence.

How does PRG compare to UPBD and ARLO in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Diversified Commercial Services), PRG carries a Roarable B+ (80/100 RQD), trailing P/E of 8.9x, gross margin of —, and ROIC of 37.3%. By comparison, UPBD (Upbound Group Inc.) holds a B+ grade (79/100 RQD, P/E 16.0x, ROIC 30.7%, cap $1.16B) and ARLO (Arlo Technologies Inc.) posts a C+ grade (68/100 RQD, P/E 106.3x, ROIC 6.0%, cap $1.59B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PRG?

Per PRG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001808834), PROG Holdings Inc. generated $2.41B in revenue (+0.4% YoY), $146.8M in net income, and $324.9M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PRG trading relative to its 50-day, 200-day, and 52-week technical levels?

PRG last traded at $33.48 (+8.42% on volume of 1,036,274 shares), positioning the stock -1.62% below its 50-day simple moving average ($34.03) and -6.11% below its 200-day simple moving average ($35.66). Across its 52-week range of $25.18 to $47.73, PRG sits at the 36.8% percentile with a 14-day RSI of 62.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±10.6% ($29.93 to $37.03).

PRG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does PRG pay a dividend and is it safe?

PROG Holdings Inc. (PRG) offers a 1.59% cash dividend yield ($0.53 annualized) and 3.39% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: PRG RQD Cockpit PRG 12M Forecast PRG Earnings & Move PRG Dividends & DRIP PRG Insiders & 13F PRG Whale Options PRG Profit Sankey PRG News & Why