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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 13.5% FCF Margin ($324.9M FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Balance-sheet & 10-K footnote risk deducts 6 pts from forensic ceiling
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
PROG Holdings Inc. (PRG) surged +8.42% to $33.48, trading at 37% of its 52-week range ($25.18 – $47.73). High-quality cash engine (steady margins, 37% return on capital) with steady institutional support.
PROG Holdings’ third quarter saw strong revenue growth and a positive market reaction, driven by continued momentum across its ecosystem despite a more challenging consumer environment. Management credited top-line stren
2026-10-31. The following slide deck was published by PROG Holdings, Inc.
PROG Holdings cut its full year 2026 guidance for revenue, net earnings and diluted EPS, while reporting third quarter 2026 results that showed higher revenue, net income and earnings per share from continuing operations
Shares of financial technology company PROG Holdings (NYSE:PRG) jumped 7.2% in the afternoon session after the company reported third-quarter revenue and gross merchandise volume growth and said it intends to repurchase
TD Cowen analyst Hoang Nguyen maintains PROG Holdings (NYSE:PRG) with a Buy and lowers the price target from $50 to $45.
Stephens & Co. analyst Kyle Joseph maintains PROG Holdings (NYSE:PRG) with a Overweight and lowers the price target from $55 to $49.
PROG (NYSE:PRG) reported third-quarter results that included strong consolidated growth from its Four Technologies and Purchasing Power businesses, while its Progressive Leasing segment faced pressure from consumer infla
DRAPER, Utah (AP) — DRAPER, Utah (AP) — PROG Holdings, Inc. (PRG) on Wednesday reported profit of $37.
Moby summary of PROG Holdings, Inc.'s Q3 2026 earnings call
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PRG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PRG. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why PRG Stock surged +8.42% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 37% return on capital) with steady institutional support.
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