PROG Holdings, Inc. (AAN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Enova International, Inc.

SLM Corp.

Upbound Group, Inc.

Custom Truck One Source, Inc.

Nelnet, Inc.

Walker & Dunlop, Inc.

PROG Holdings, Inc.

McGrath RentCorp

Textainer Group Holdings Ltd.

Navient Corp.

H&E Equipment Services, Inc.

Why is PROG Holdings, Inc. ?

Poor long term growth as Net Sales has grown by an annual rate of -9.28% over the last 5 years

With ROE of 36.54%, it has a very attractive valuation with a 2.92 Price to Book Value

Over the past year, while the stock has generated a return of -36.33%, its profits have risen by 56.1% ; the PEG ratio of the company is 0.1

Below par performance in long term as well as near term

Along with generating -36.33% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is PROG Holdings, Inc. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

PROG Holdings, Inc.

49.9%

-0.29

49.74%

S&P 500

19.75%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-8.29%

EBIT Growth (5y)

-8.46%

EBIT to Interest (avg)

23.19

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

14.48%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

30.66%

ROE (avg)

29.89%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.48

EV to EBIT

8.96

EV to EBITDA

1.15

EV to Capital Employed

2.07

EV to Sales

0.87

PEG Ratio

Dividend Yield

ROCE (Latest)

23.11%

ROE (Latest)

18.98%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 296.73 MM

RAW MATERIAL COST(Y)

Fallen by -15.1% (YoY

DIVIDEND PER SHARE(HY)

Highest at USD 7.24

NET SALES(Q)

Highest at USD 742.67 MM

NET PROFIT(Q)

Highest at USD 39.17 MM

-20What is not working for the Company

NET PROFIT(HY)

At USD 68.43 MM has Grown at -31.18%

ROCE(HY)

Lowest at 17.88%

DEBTORS TURNOVER RATIO(HY)

Lowest at 7.24 times

OPERATING PROFIT MARGIN(Q)

Lowest at 64.65 %

DEBT-EQUITY RATIO (HY)

Highest at 110.62 %

INTEREST(Q)

Highest at USD 18.39 MM

Here's what is working for PROG Holdings, Inc.

Operating Cash Flow

Highest at USD 296.73 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 742.67 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Profit

Highest at USD 39.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend per share

Highest at USD 7.24

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Raw Material Cost

Fallen by -15.1% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for PROG Holdings, Inc.

Interest

At USD 18.39 MM has Grown at 158.13%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Profit Margin

Lowest at 64.65 % and Fallen

In each period in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Debtors Turnover Ratio

Lowest at 7.24 times and Fallen

In each half year in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio

Interest

Highest at USD 18.39 MM

in the last five periods and Increased by 158.13% (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Debt-Equity Ratio

Highest at 110.62 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio