Yahoo! Finance Canada report covering PROG Holdings Inc. (PRG) market action, institutional positioning, and fundamental catalysts.
Why PRG Stock surged +3.79% 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.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
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 $34.75 (+3.79% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, PRG ranks #174 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
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 ($36.47) toward Bear Floor ($28.45).
Why PRG Stock surged +3.79% Today — RQD Quant Desk Flash
PROG Holdings Inc. (PRG) surged +3.79% to $34.75, trading at 42% 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 42% 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 $34.75 (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 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, PROG Holdings Inc. (PRG) ranks #174 by composite RQD confidence (69/100, grade C+) and #471 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% | +3.79% | $1.36B | Benchmark Subject |
| UPBD Upbound Group Inc. | B- | 70/100 | 16.0x | 48.4% | 30.7% | +3.60% | $1.21B | /upbd-vs-prg → |
| ARLO Arlo Technologies Inc. | C | 63/100 | 106.3x | 44.0% | 6.0% | -1.90% | $1.56B | /arlo-vs-prg → |
| KPLT Katapult Holdings Inc. | D | 47/100 | — | 17.7% | -0.8% | -17.09% | $880.7M | /kplt-vs-prg → |
| CTOS Custom Truck One Source Inc. | C- | 60/100 | — | 28.5% | 4.1% | -2.93% | $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 0001808834In 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 $34.75 (+3.79% 1D, market cap $1.36B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, PRG ranks #174 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 $34.75 (+3.79% on volume of 1,009,558 shares), positioning the stock +2.72% above its 50-day simple moving average ($33.83) and -2.61% below its 200-day simple moving average ($35.68). Across its 52-week range of $25.18 to $47.73, PRG sits at the 42.4% percentile with a 14-day RSI of 60.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±11.4% ($30.79 to $38.71).
PRG Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is PRG stock moving today?
Why PRG Stock surged +3.79% Today — RQD Quant Desk Flash. Solid steady margins (37% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
PRG — PROG Holdings Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, PRG scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 19 of 20 (ROIC 37.3%; FCF yield 24.89%), the strongest component and the main reason the score sits above neutral; Whale 13F Flow at 10 of 20 (institutional accumulation and options positioning), a middling reading; Insider Conviction at 17 of 20 (SEC Form 4 and Congressional PTR cluster flow), a supportive reading; Macro Regime Fit at 9 of 20 (Beta 1.0; sector sensitivity), a weak reading that reflects market-level sensitivity; and Forensic Balance Sheet at 14 of 20 (Altman Z 4.21; Piotroski F 4/9; Debt/Equity 0.5), a moderate reading. For a prospective investor, the upside case rests on cash generation and insider activity, while the valuation case appears low on the market data (P/E TTM 8.9, EV/EBITDA 4.6). The tradeoffs are a Piotroski F-Score of 4/9 and a macro-sensitivity pillar that scores below half, so the rating describes a stock to monitor for a directional signal rather than one the rating treats as high-conviction. This is educational analysis, not personalized financial advice.
Snapshot
Business
PROG Holdings Inc. (PRG) is a NYSE-listed issuer classified in the Consumer Discretionary sector and the Diversified Commercial Services industry, per the company profile. Beyond the sector and industry classification, the source data does not describe its products, customers, or revenue model. Revenue, margin, and cash-flow figures in the financials section indicate an operating business with reported revenue of $2409.2M in FY 2025.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $2409.2M | $206.8M | $146.8M | N/A | $324.9M | $308.8M | N/A |
| FY 2024 | $2399.1M | $194.7M | $197.2M | N/A | $130.2M | $90.9M | N/A |
| FY 2023 | $2339.4M | $218.7M | $138.8M | N/A | $204.2M | N/A | N/A |
Per the market data, operating margin is 8.6%, net margin is 6.1%, and gross margin is reported as 0%. ROIC is 37.3%. Per the Roarable RQD rating, the Altman Z-Score is 4.21, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Reported FCF rose from $130.2M in FY 2024 to $324.9M in FY 2025. Debt figures are not available in source data.
Recent Catalysts & News Wire Analysis
- Catalyst (GREEN): Seeking Alpha headline reports PROG Holdings raised to Buy at Loop Capital.
- Catalyst (GREEN): FinancialContent headline reports PRG "soaring today."
- Catalyst (GREEN): GuruFocus headline reports PRG shares rising after a Loop Capital upgrade.
- Risk Watch (RED): ChartMill headline reports PRG sliding after a Q3 miss and cut guidance.
- Market Wire (YELLOW): Yahoo! Finance Canada and Stocktwits items cover market action and positioning, with no specific detail in the summaries.
Butterfly supply-chain graph: sector Consumer Discretionary, industry Diversified Commercial Services, supply chain reported as NONE, with no butterfly links and no proprietary signals.
Open Questions
- What drove the reported Q3 miss and guidance cut referenced in the ChartMill headline, and how large was the revision?
- What are PRG's reported debt levels, given that debt is listed as N/A across all periods?
- Why do FY 2024 net income ($197.2M) and FY 2025 net income ($146.8M) diverge from operating income trends?
- What is the reported EPS for each fiscal period, given EPS is listed as N/A in the financial statements?
- What is the company's product and customer mix, which the source data does not describe beyond sector classification?
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 $34.75?
🔥 Official Bull vs. Bear Debate: Is PRG (C+ • RQD 69/100) a Buy at $33.48?
Welcome to the PRG (PROG Holdings Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Diversified Commercial Services. Bulls point to capital efficiency (37.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on PRG — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on PRG, but look at what you are paying: 8.9x trailing P/E with tightening sector spreads. Unless PROG Holdings Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
PRG cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on PRG, the market is fixating on short-term headline noise in Diversified Commercial Services and ignoring the balance sheet and cash flow trajectory. At $33.48 (52-wk range $25.18 - $47.73), any beat on forward guidance forces shorts and underweight funds to chase.