Valuation
26% of the score, 32% here after data gaps
90median 56
PROG Holdings, Inc. is valued at 11.5x its operating profit, including debt: a low multiple.
60x
50x
35x
25x
18x
12x
8x
11.5x
Full points at 8x or less, none from 60xfull points
PRGPROG Holdings, Inc.
$31.93-8.8% 1Y
$31.93
$25.9552 weeks$47.54
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 62 out of 100, Above average
Today's price. Only valuation depends on it.
Above average. PROG Holdings, Inc. scores higher than 59% of the 1,794 companies Ryufin scores.
Carried by valuation and capital allocation, held back by return on new capital and the balance sheet.
Industrials median 61 · all companies 57
How the score has moved
At each fiscal year end, from the reports and price of the time94
92
85
77
68
62
20212022202320242025today
The biggest move was down 9 points from 2024 to 2025, mostly return on new capital.
Return on capital
Taken out: its 18% is shared by the others
n/ano data
Fewer than three years of operating profit and capital on file.
Return on new capital
16% of the score, 20% here after data gaps
0median 49
Over 6 years yearly profit fell by 8 cents for every dollar earned.
-5%
12%
-8%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score, 17% here after data gaps
81median 64
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countDown 9.7% a year over 5 years: buybacks
1005%
-3%
-9.7%
0 pointsfull points
Assets against salesAssets grew 4.1% a year, sales -0.6%
5212%
-2%
4.7%
0 pointsfull points
Cycle position
12% of the score, 15% here after data gaps
65median 62
Today's operating margin of 8.5% is 1.00x its normal 8.5%: close to its usual level. Normal is half the 8 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
1x
A trough earns points, a peak costs themfull points
8 years agonow 8.5%
Balance sheet
8% of the score, 10% here after data gaps
28median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA3.1x a year of EBITDA
354.5x
0.5x
3.1x
0 pointsfull points
Interest coverOperating profit covers interest 4x
211.5x
12x
3.8x
0 pointsfull points
Earnings quality
6% of the score, 7% here after data gaps
100median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.40x profit over 3 years
1000.7x
1x
1.3x
1.4x
0 pointsfull points
AccrualsCash ran ahead of profit by 12% of assets
1008%
0%
-8%
-12%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For PRG, return on capital could not be measured from the filings, so it is taken out and the remaining weights scale up.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2025.
Rental & Leasing Services
Ranks #4 of 12 by RyuScore