Yahoo! Finance Canada report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Why PRG Stock surged +9.90% Today — RQD Quant Desk Flash
PROG Holdings Inc. (PRG) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
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Is PRG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, PROG Holdings Inc. (NYSE: PRG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $38.19 (+9.90% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 17/20. Across 1009 tracked Consumer Discretionary issuers, PRG ranks #172 in composite RQD confidence.
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How does PRG compare to UPBD and ARLO in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Diversified Commercial Services), PRG carries a Roarable C+ (69/100 RQD), trailing P/E of 8.9x, gross margin of —, and ROIC of 37.3%. By comparison, UPBD (Upbound Group Inc.) holds a B- grade (70/100 RQD, P/E 16.0x, ROIC 30.7%, cap $1.21B) and ARLO (Arlo Technologies Inc.) posts a C grade (63/100 RQD, P/E 106.3x, ROIC 6.0%, cap $1.56B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for PRG?
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Per PRG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001808834), PROG Holdings Inc. generated $2.41B in revenue (+0.4% YoY), $146.8M in net income, and $324.9M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 13.5% FCF Margin ($324.9M FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Macro rate sensitivity & RSI-14 (60.6) create a -12 pt regime headwind
⚔️ Adversarial Opposing Case: Why the PRG Bull Thesis Could Fail
Even with a 69/100 (C+) score, PRG faces multiple-compression risk if 8.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.83) or 200D SMA ($35.68) invalidates the momentum regime and cuts Target Base ($40.08) toward Bear Floor ($31.26).
Why PRG Stock surged +9.90% Today — RQD Quant Desk Flash
PROG Holdings Inc. (PRG) surged +9.90% to $38.19, trading at 58% of its 52-week range ($25.18 – $47.73). Solid steady margins (37% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 58% of its 52-week range ($25.18 – $47.73) with RSI-14 at 60.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±11.4% around $38.19 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $324.9M annual free cash flow.
Stocktwits report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
FinancialContent report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
https://www.sec.gov/ix?doc=/Archives/edgar/data/1808834/000180883426000126/prg-20261029.htm
PROG Holdings’ third quarter saw strong revenue growth and a positive market reaction, driven by continued momentum across its ecosystem despite a more challenging consumer environment. Management credited top-line stren
Scheduled RQD Strong Buys & Whale Accumulation Briefing (PRG Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
PRG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PRG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PRG. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRG)
1. Head-to-Head Consumer Discretionary Peer Comparison (PRG vs. UPBD, ARLO, KPLT, CTOS)
Industry: Diversified Commercial Services (32 Tracked Issuers)Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, PROG Holdings Inc. (PRG) ranks #172 by composite RQD confidence (69/100, grade C+) and #469 by equity capitalization ($1.36B). Within this direct 5-issuer industry benchmark cohort, PRG leads on earnings valuation at 8.9x trailing P/E, while PRG leads on capital efficiency and profitability with 37.3% ROIC and — gross margin. UPBD currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with PRG at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PRG
ACTIVE
PROG Holdings Inc. | C+ | 69/100 | 8.9x | — | 37.3% | +9.90% | $1.36B | Benchmark Subject |
| UPBD Upbound Group Inc. | B- | 70/100 | 16.0x | 48.4% | 30.7% | +10.34% | $1.21B | /upbd-vs-prg → |
| ARLO Arlo Technologies Inc. | C | 63/100 | 106.3x | 44.0% | 6.0% | -2.35% | $1.56B | /arlo-vs-prg → |
| KPLT Katapult Holdings Inc. | D | 47/100 | — | 17.7% | -0.8% | +6.46% | $880.7M | /kplt-vs-prg → |
| CTOS Custom Truck One Source Inc. | C- | 60/100 | — | 28.5% | 4.1% | +0.28% | $2.41B | /ctos-vs-prg → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001808834 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), PROG Holdings Inc. (PRG) reported GAAP revenue of $2.41B (+0.4% vs. FY2024 revenue of $2.40B , and +3.0% cumulative change since FY2023) , GAAP net income of $146.8M, operating cash flow of $335.0M, and free cash flow of $324.9M (+149.5% YoY). On the balance sheet, PRG closed FY2025 with $1.61B in total assets against $0 in total debt (Altman Z-Score: 4.21, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.41B | $146.8M | $335.0M | $324.9M | $1.61B | — |
| FY2024 (FY) | 2024-12-31 | $2.40B | $197.2M | $138.5M | $130.2M | $1.51B | — |
| FY2023 (FY) | 2023-12-31 | $2.34B | $138.8M | $204.2M | $204.2M | — | — |
3. PRG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PRG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, PROG Holdings Inc. (NYSE: PRG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $38.19 (+9.90% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 17/20. Across 1009 tracked Consumer Discretionary issuers, PRG ranks #172 in composite RQD confidence.
How does PRG compare to UPBD and ARLO in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Diversified Commercial Services), PRG carries a Roarable C+ (69/100 RQD), trailing P/E of 8.9x, gross margin of —, and ROIC of 37.3%. By comparison, UPBD (Upbound Group Inc.) holds a B- grade (70/100 RQD, P/E 16.0x, ROIC 30.7%, cap $1.21B) and ARLO (Arlo Technologies Inc.) posts a C grade (63/100 RQD, P/E 106.3x, ROIC 6.0%, cap $1.56B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PRG?
Per PRG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001808834), PROG Holdings Inc. generated $2.41B in revenue (+0.4% YoY), $146.8M in net income, and $324.9M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PRG trading relative to its 50-day, 200-day, and 52-week technical levels?
PRG last traded at $38.19 (+9.90% on volume of 1,281,912 shares), positioning the stock +12.89% above its 50-day simple moving average ($33.83) and +7.03% above its 200-day simple moving average ($35.68). Across its 52-week range of $25.18 to $47.73, PRG sits at the 57.7% percentile with a 14-day RSI of 60.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±11.4% ($33.84 to $42.54).
PRG — PROG Holdings Inc.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
PROG Holdings Inc. (PRG) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $38.19 (+9.90% 1D, market capitalization $1.36B).
- Fundamental Cash Engine (19/20): Anchored by return on invested capital (ROIC) of 37.3%, gross margin of —, operating margin of 8.6%, and free cash flow yield of 24.89%.
- Whale 13F & Options Flow (11/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (8/20) + Forensic Balance Sheet (14/20): Incorporates a 1.00x equity beta, Altman Z-Score of 4.21, Piotroski F-Score of 4/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
PROG Holdings Inc. (PRG) is a NYSE-listed issuer classified in the Consumer Discretionary sector and the Diversified Commercial Services industry. Revenue, margin, and cash-flow figures in the financials section indicate an operating business with reported revenue of $2.41B in FY 2025.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), PROG Holdings Inc. (PRG) reported $2.41B in annual revenue (up from $2.40B in FY2024, +0.4% YoY) and $146.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($2.34B revenue, $138.8M net income) through FY2025, PRG scaled operating cash flow to $335.0M and free cash flow to $324.9M, backed by $1.61B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (C+ • RQD 69/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 19/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $25.18 – $47.73 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.9x trailing P/E and 4.6x EV/EBITDA against 8.6% operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Diversified Commercial Services (Consumer Discretionary), PRG carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can PRG sustain or expand its 8.6% operating margin and 37.3% ROIC against Diversified Commercial Services peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $2.41B and free cash flow of $324.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is PRG's 8.3x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
PRG Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for PROG Holdings Inc. (PRG) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
FinancialContent report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
PRG Bull vs. Bear Conversation Board — What's Your Call at $38.19?
Reported FCF nearly tripled from $130.2M in FY 2024 to $324.9M in FY 2025 while the stock trades at 8.9x TTM earnings and a 24.89% FCF
Here is why I am bullish on PRG here at $34.75: Reported FCF nearly tripled from $130.2M in FY 2024 to $324.9M in FY 2025 while the stock trades at 8.9x TTM earnings and a 24.89% FCF yield.. Compare PRG's 8.6% operating margin and 37.3% ROIC against the rest of Diversified Commercial Services. As long as cash conversion holds up, dips toward $33.01 are getting bought.
@RiskArb_Desk Fair point on 8.9x trailing P/E, but you're ignoring the forward operating leverage in Diversified Commercial Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
The ChartMill headline reports a Q3 miss and cut guidance, and the Piotroski F-Score of 4/9 and Macro Regime Fit pillar of 9/20 signal
The ChartMill headline reports a Q3 miss and cut guidance, and the Piotroski F-Score of 4/9 and Macro Regime Fit pillar of 9/20 signal limited forensic and macro support.. Look at the math on PRG: paying 8.9x trailing P/E for 37.3% ROIC and 8.6% operating margins leaves zero margin of safety if Diversified Commercial Services demand softens. I'd wait for a retest of $30.58 before getting long.