PRGPROG Holdings, Inc.
Is it safe?
Nothing alarming, nothing pristine: insiders quiet, comfortable debt (BBB), and big price swings.
Insiders were net sellers (-$183K, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -81% · now 36% below its 52-week high.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can PRG take a bad year?
PROG Holdings, Inc. carries $802M of net debt at 3.11× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 3.11×
Net debt / EBITDA
- Interest cover
- 3.75×
Interest cover · operating profit covers the interest bill, with room to spare
- Annualised volatility
- 48%
Annualised volatility · roughly twice as jumpy as the market
Details›
- Total debtQ2 2026
- $887M
- Cash and short-term investments
- $85M
- Net debt
- $802M
- EBITDA, trailing twelve months
- $258M
- Operating profit, trailing twelve months
- $221M
- Debt / equity
- 1.10×
- Total debt / EBITDA
- 3.44×
- Annualised volatilitytwo years of daily moves
- 48%
- Worst drawdown on file
- −81%
- Below its 52-week high
- 36%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.