` PRG (PROG Holdings Inc) vs S&P 500 Comparison - Alpha Spread

PRG
vs
S&P 500

Over the past 12 months, PRG has underperformed S&P 500, delivering a return of -17% compared to the S&P 500's +13% growth.

Stocks Performance
PRG vs S&P 500

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PRG
S&P 500
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Performance Gap
PRG vs S&P 500

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PRG
S&P 500
Difference
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Performance By Year
PRG vs S&P 500

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Competitors Performance
PROG Holdings Inc vs Peers

S&P 500
PRG
AXP
COF
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PROG Holdings Inc
Glance View

Market Cap
1.2B USD
Industry
Financial Services

PROG Holdings Inc. has crafted a business model centered around empowering consumers by offering flexible financial solutions without the traditional constraints of credit. At its core is Progressive Leasing, the company's largest segment, which specializes in offering lease-to-own purchase options for customers who may not have access to traditional financing. This service is particularly popular with major retail partners, including furniture and electronics stores, allowing them to reach a broader customer base. By providing a path to ownership over time, PROG Holdings helps consumers acquire necessary items like appliances, electronics, and furniture, while simultaneously driving sales for its retail partners. The company's revenue is generated principally through rental payments from its customers, offering a financial service that aligns the interests of the retailer, consumer, and PROG Holdings itself. In addition to Progressive Leasing, PROG Holdings Inc. fosters a holistic approach through Vive Financial, its second growth engine. Vive Financial extends its reach by providing a range of credit products to consumers that bolster the entire purchase journey—beyond what traditional credit cards offer. This dual approach allows PROG Holdings to tap into varied market segments, thereby cushioning the company from economic fluctuations and keeping its pipeline diversified. By integrating data and technology, PROG Holdings enhances decision-making and risk assessment, maintaining a robust framework that has evolved with shifting market demands. The company capitalizes on both in-store and online retail ecosystems, capitalizing on consumer trends and preferences, which drives its financial performance and strengthens its market position in the dynamic world of consumer finance.

PRG Intrinsic Value
64.91 USD
Undervaluation 56%
Intrinsic Value
Price
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