PROG Holdings Net Income vs. Current Valuation

PRG Stock  USD 31.99  0.12  0.38%   
Based on PROG Holdings' profitability indicators, PROG Holdings' profitability may be sliding down. It has an above-average chance of reporting lower numbers next quarter. Profitability indicators assess PROG Holdings' ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1985-09-30
Previous Quarter
38.5 M
Current Value
33.1 M
Quarterly Volatility
35 M
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At this time, PROG Holdings' EV To Sales is most likely to slightly decrease in the upcoming years. The PROG Holdings' current Days Of Sales Outstanding is estimated to increase to 33.30, while Sales General And Administrative To Revenue is projected to decrease to 0.12. At this time, PROG Holdings' Net Income Per Share is most likely to increase slightly in the upcoming years. The PROG Holdings' current Net Income Per E B T is estimated to increase to 1.14, while Income Before Tax is projected to decrease to roughly 117 M. At this time, PROG Holdings' Gross Profit is most likely to increase significantly in the upcoming years. The PROG Holdings' current Pretax Profit Margin is estimated to increase to 0.06, while Operating Profit Margin is projected to decrease to 0.07.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.380.4
Notably Down
Slightly volatile
Operating Profit Margin0.06640.0712
Significantly Down
Pretty Stable
Pretax Profit Margin0.06070.0598
Fairly Up
Pretty Stable
For PROG Holdings profitability analysis, we use financial ratios and fundamental drivers that measure the ability of PROG Holdings to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well PROG Holdings utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between PROG Holdings's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of PROG Holdings over time as well as its relative position and ranking within its peers.

PROG Holdings' Revenue Breakdown by Earning Segment

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For more detail on how to invest in PROG Stock please use our How to Invest in PROG Holdings guide.The next projected EPS of PROG Holdings is estimated to be 0.882 with future projections ranging from a low of 0.77 to a high of 0.99. PROG Holdings' most recent 12-month trailing earnings per share (EPS TTM) is at 3.94. Please be aware that the consensus of earnings estimates for PROG Holdings is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
PROG Holdings is projected to generate 0.882 in earnings per share on the 31st of March 2026. PROG Holdings earnings estimates show analyst consensus about projected PROG Holdings EPS (Earning Per Share). It derives the highest and the lowest estimates based on PROG Holdings' historical volatility. Many public companies, such as PROG Holdings, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

PROG Holdings Revenue Breakdown by Earning Segment

By analyzing PROG Holdings' earnings estimates, investors can diagnose different trends across PROG Holdings' analyst sentiment over time as well as compare current estimates against different timeframes.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PROG Holdings. If investors know PROG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PROG Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.58)
Dividend Share
0.51
Earnings Share
3.94
Revenue Per Share
61.872
Quarterly Revenue Growth
(0.02)
The market value of PROG Holdings is measured differently than its book value, which is the value of PROG that is recorded on the company's balance sheet. Investors also form their own opinion of PROG Holdings' value that differs from its market value or its book value, called intrinsic value, which is PROG Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PROG Holdings' market value can be influenced by many factors that don't directly affect PROG Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between PROG Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if PROG Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PROG Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

PROG Holdings Current Valuation vs. Net Income Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining PROG Holdings's current stock value. Our valuation model uses many indicators to compare PROG Holdings value to that of its competitors to determine the firm's financial worth.
PROG Holdings is considered to be number one stock in net income category among its peers. It also is rated top company in current valuation category among its peers reporting about  7.90  of Current Valuation per Net Income. At this time, PROG Holdings' Net Income is most likely to increase significantly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value PROG Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

PROG Current Valuation vs. Net Income

Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

PROG Holdings

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
197.25 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

PROG Holdings

Enterprise Value

 = 

Market Cap + Debt

-

Cash

 = 
1.56 B
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.

PROG Current Valuation vs Competition

PROG Holdings is rated top company in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is at this time estimated at about 39.28 Billion. PROG Holdings holds roughly 1.56 Billion in current valuation claiming about 4% of equities under Financials industry.

PROG Holdings Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in PROG Holdings, profitability is also one of the essential criteria for including it into their portfolios because, without profit, PROG Holdings will eventually generate negative long term returns. The profitability progress is the general direction of PROG Holdings' change in net profit over the period of time. It can combine multiple indicators of PROG Holdings, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Operating Income224.1 M125.8 M
Income Before Tax188.1 M117 M
Total Other Income Expense Net-28.2 M-29.6 M
Net Income226.8 M238.2 M
Income Tax Expense-38.7 M-36.8 M
Interest Income6.8 M12.1 M
Net Income Applicable To Common Shares177.5 M113 M
Net Interest Income-38.1 M-36.2 M
Net Income From Continuing Ops177.5 M139.7 M
Change To Netincome16.6 M15.8 M
Net Income Per Share 4.17  4.38 
Income Quality 0.81  0.77 
Net Income Per E B T 1.09  1.14 

PROG Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on PROG Holdings. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of PROG Holdings position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the PROG Holdings' important profitability drivers and their relationship over time.

PROG Holdings Earnings Estimation Breakdown

The calculation of PROG Holdings' earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of PROG Holdings is estimated to be 0.882 with the future projection ranging from a low of 0.77 to a high of 0.99. Please be aware that this consensus of annual earnings estimates for PROG Holdings is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.0
0.77
Lowest
Expected EPS
0.882
0.99
Highest

PROG Holdings Earnings Projection Consensus

Suppose the current estimates of PROG Holdings' value are higher than the current market price of the PROG Holdings stock. In this case, investors may conclude that PROG Holdings is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and PROG Holdings' stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of March 2026Current EPS (TTM)
850.0%
0.0
0.882
3.94

PROG Holdings Earnings History

Earnings estimate consensus by PROG Holdings analysts from Wall Street is used by the market to judge PROG Holdings' stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only PROG Holdings' upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

PROG Holdings Quarterly Gross Profit

595.11 Million

At this time, PROG Holdings' Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years. The PROG Holdings' current Common Stock Shares Outstanding is estimated to increase to about 71.2 M, while Net Income Applicable To Common Shares is projected to decrease to roughly 113 M.
Hype
Prediction
LowEstimatedHigh
29.8431.9734.10
Details
Intrinsic
Valuation
LowRealHigh
28.7935.8437.97
Details
7 Analysts
Consensus
LowTargetHigh
37.3141.0045.51
Details
Earnings
Estimates (0)
LowProjected EPSHigh
0.770.880.99
Details
Note that many institutional investors and large investment bankers can move markets due to the volume of PROG assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards PROG Holdings. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving PROG Holdings' stock price in the short term.

PROG Holdings Earnings per Share Projection vs Actual

Actual Earning per Share of PROG Holdings refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering PROG Holdings predict the company's earnings will be in the future. The higher the earnings per share of PROG Holdings, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

PROG Holdings Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as PROG Holdings, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of PROG Holdings should always be considered in relation to other companies to make a more educated investment decision.

PROG Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact PROG Holdings' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
null
nullnullnullnull
2025-10-22
2025-09-300.740.90.1621 
2025-07-22
2025-06-300.80491.020.215126 
2025-04-22
2025-03-310.99040.9-0.0904
2025-02-19
2024-12-310.76570.80.0343
2024-10-23
2024-09-300.790.77-0.02
2024-07-24
2024-06-300.730.920.1926 
2024-04-24
2024-03-310.820.910.0910 
2024-02-21
2023-12-310.690.720.03
2023-10-25
2023-09-300.630.90.2742 
2023-07-26
2023-06-300.650.920.2741 
2023-04-26
2023-03-310.841.110.2732 
2023-02-22
2022-12-310.590.840.2542 
2022-10-26
2022-09-300.640.680.04
2022-07-27
2022-06-300.420.520.123 
2022-04-27
2022-03-310.770.57-0.225 
2022-02-23
2021-12-310.690.67-0.02
2021-11-03
2021-09-300.90.940.04
2021-07-29
2021-06-300.81.090.2936 
2021-04-29
2021-03-310.911.220.3134 
2021-02-25
2020-12-310.90.950.05
2020-10-29
2020-09-301.441.80.3625 
2020-07-29
2020-06-300.781.180.451 
2020-05-07
2020-03-310.780.850.07
2020-02-20
2019-12-311.071.150.08
2019-11-04
2019-09-300.820.73-0.0910 
2019-07-25
2019-06-300.870.930.06
2019-04-25
2019-03-310.941.080.1414 
2019-02-14
2018-12-311.031.02-0.01
2018-10-25
2018-09-300.760.69-0.07
2018-07-26
2018-06-300.780.840.06
2018-04-26
2018-03-310.950.81-0.1414 
2018-02-15
2017-12-310.550.650.118 
2017-10-27
2017-09-300.540.43-0.1120 
2017-07-28
2017-06-300.580.680.117 
2017-04-28
2017-03-310.660.80.1421 
2017-02-17
2016-12-310.440.50.0613 
2016-10-28
2016-09-300.460.50.04
2016-07-29
2016-06-300.560.590.03
2016-04-29
2016-03-310.750.71-0.04
2016-02-18
2015-12-310.380.410.03
2015-10-30
2015-09-300.480.39-0.0918 
2015-07-24
2015-06-300.450.610.1635 
2015-04-24
2015-03-310.550.730.1832 
2015-02-06
2014-12-310.350.390.0411 
2014-10-24
2014-09-300.370.390.02
2014-07-25
2014-06-300.350.370.02
2014-04-25
2014-03-310.530.530.0
2014-02-07
2013-12-310.290.30.01
2013-10-24
2013-09-300.390.40.01
2013-07-24
2013-06-300.50.50.0
2013-04-25
2013-03-310.710.67-0.04
2013-02-07
2012-12-310.50.48-0.02
2012-10-25
2012-09-300.430.460.03
2012-07-24
2012-06-300.470.470.0
2012-04-26
2012-03-310.60.640.04
2012-02-09
2011-12-310.430.430.0
2011-10-24
2011-09-300.380.36-0.02
2011-07-25
2011-06-300.410.410.0
2011-04-25
2011-03-310.510.550.04
2011-02-15
2010-12-310.340.380.0411 
2010-10-25
2010-09-300.30.320.02
2010-07-26
2010-06-300.370.3-0.0718 
2010-04-26
2010-03-310.440.450.01
2010-02-16
2009-12-310.290.310.02
2009-10-21
2009-09-300.280.30.02
2009-07-21
2009-06-300.320.340.02
2009-04-27
2009-03-310.340.430.0926 
2009-02-16
2008-12-310.230.260.0313 
2008-10-28
2008-09-300.230.250.02
2008-07-22
2008-06-300.250.290.0416 
2008-04-22
2008-03-310.270.310.0414 
2008-02-19
2007-12-310.180.190.01
2007-10-24
2007-09-300.190.190.0
2007-07-24
2007-06-300.250.24-0.01
2007-04-25
2007-03-310.310.320.01
2007-02-20
2006-12-310.230.230.0
2006-10-25
2006-09-300.20.210.01
2006-07-26
2006-06-300.240.22-0.02
2006-04-26
2006-03-310.270.280.01
2006-02-22
2005-12-310.180.190.01
2005-10-27
2005-09-300.170.11-0.0635 
2005-07-27
2005-06-300.210.210.0
2005-04-27
2005-03-310.20.240.0420 
2005-02-23
2004-12-310.160.180.0212 
2004-10-28
2004-09-300.140.140.0
2004-07-28
2004-06-300.150.160.01
2004-04-26
2004-03-310.150.170.0213 
2004-02-24
2003-12-310.140.140.0
2003-10-28
2003-09-300.120.120.0
2003-07-29
2003-06-300.120.120.0
2003-04-28
2003-03-310.110.120.01
2003-02-26
2002-12-310.110.110.0
2002-10-29
2002-09-300.090.090.0
2002-07-24
2002-06-300.090.090.0
2002-04-29
2002-03-310.070.090.0228 
2002-02-22
2001-12-310.030.030.0
2001-11-02
2001-09-300.070.02-0.0571 
2001-08-02
2001-06-300.080.07-0.0112 
2001-04-25
2001-03-310.110.110.0
2001-02-22
2000-12-310.10.09-0.0110 
2000-10-25
2000-09-300.10.10.0
2000-07-26
2000-06-300.110.1-0.01
2000-04-24
2000-03-310.10.110.0110 
2000-02-21
1999-12-310.090.090.0
1999-10-25
1999-09-300.090.090.0
1999-07-26
1999-06-300.090.090.0
1999-04-26
1999-03-310.090.10.0111 
1999-03-15
1998-12-310.080.080.0
1998-10-27
1998-09-300.070.070.0
1998-07-27
1998-06-300.080.080.0
1998-04-30
1998-03-310.070.080.0114 
1998-02-09
1997-12-310.070.070.0
1997-10-27
1997-09-300.070.070.0
1997-07-23
1997-06-300.060.070.0116 
1997-04-28
1997-03-310.060.070.0116 
1997-02-04
1996-12-310.050.050.0
1996-10-28
1996-09-300.060.060.0
1996-07-29
1996-06-300.060.060.0
1996-04-17
1996-03-310.060.060.0
1996-02-06
1995-12-310.050.050.0

Use PROG Holdings in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if PROG Holdings position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in PROG Holdings will appreciate offsetting losses from the drop in the long position's value.

PROG Holdings Pair Trading

PROG Holdings Pair Trading Analysis

The ability to find closely correlated positions to PROG Holdings could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace PROG Holdings when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back PROG Holdings - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling PROG Holdings to buy it.
The correlation of PROG Holdings is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as PROG Holdings moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if PROG Holdings moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for PROG Holdings can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your PROG Holdings position

In addition to having PROG Holdings in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Run Latest Losers Thematic Idea Now

Latest Losers
Latest Losers Theme
Dynamically computed list of top equities currently sorted across major exchanges. The Latest Losers theme has 220 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Latest Losers Theme or any other thematic opportunities.
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When determining whether PROG Holdings is a strong investment it is important to analyze PROG Holdings' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact PROG Holdings' future performance. For an informed investment choice regarding PROG Stock, refer to the following important reports:
Check out Your Equity Center.
For more detail on how to invest in PROG Stock please use our How to Invest in PROG Holdings guide.
You can also try the Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.
To fully project PROG Holdings' future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of PROG Holdings at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include PROG Holdings' income statement, its balance sheet, and the statement of cash flows.
Potential PROG Holdings investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although PROG Holdings investors may work on each financial statement separately, they are all related. The changes in PROG Holdings's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on PROG Holdings's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.