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Prog Holdings, Inc. key statistics and ratios

In fiscal 2025, Prog Holdings, Inc. had return on equity of 21.0% and a net margin of 6.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin9.6%1.5%−2.5%9.1%3.8%5.9%8.2%6.1%5.5%
Return on equity11.1%1.8%−4.5%29.2%15.8%23.9%31.8%21.0%19.4%
Return on assets—1.0%−2.7%16.6%6.3%9.3%13.1%9.4%8.2%
Effective tax rate20.1%—14.0%25.8%33.4%29.3%−20.7%28.7%28.1%
SG&A as % of revenue————14.1%14.6%14.1%15.7%17.9%
Dividends ÷ net income3.2%30.0%—0.0%0.0%0.0%10.3%14.1%14.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

1 of 5 checks passed · September 30, 2026
  • Short-term assets cover short-term liabilities The company doesn't report a short-term split. Not assessable.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt $109m of cash against $866m of debt.
  • Debt below 40% of shareholders' equity Debt is 107% of equity.
  • Debt burden no higher than five years ago Debt to equity moved from 93% to 107% over five years.
  • A year's operating cash flow covers at least 20% of debt $331m of operating cash flow against $866m of debt.
  • Operating profit covers interest at least five times over Operating income of $235m against $67m of interest.

From Prog Holdings, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

66 /100

Moderate moat

How hard Prog Holdings's competitive advantage looks for rivals to wear away, judged from 7 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 17 / 20

    Net income has been a median 10.5% of total assets over 7 years.

  • Durability 4 / 20

    Operating margin has been a median 8.5%; its worst year was 1.8%.

  • Cash conversion 15 / 20

    Free cash flow was positive in 7 of 7 years, at a median 9.9% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 39.9% over five years; stock-based pay has been a median 1.1% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (70 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: PRG vs QFINATLC vs PRGCACC vs PRG

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Prog Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Prog Holdings, Inc.