PROG Holdings (AZD) Price & Analysis
AZD Stock Chart & Stats
- Day’s Range
- EUR 29.80 - EUR 29.80
- 52-Week Range
- EUR 22.40 - EUR 41.40
- Previous Close
- EUR 29.20
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.21B
- Enterprise Value
- EUR 2.00B
- Total Cash (Recent Filing)
- EUR 108.92M
- Total Debt (Recent Filing)
- EUR 865.84M
- Price to Earnings (P/E)
- 9.2
- Beta
- 0.73
- Next Earnings
- Feb 24, 2027
- EPS Estimate
- 1.13
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.61%
Bulls Say, Bears Say
Bulls Say
Diversified Platform Growth
Broad-based GMV expansion across the company’s operating businesses indicates that growth is not dependent on a single product. A diversified platform can improve resilience, widen merchant and customer reach, and support more durable revenue opportunities as newer businesses scale.
Strong Cash Generation
Substantial operating and free cash flow shows that reported profitability is generally converting into cash. This supports investment in growth, debt reduction, dividends, and repurchases while providing flexibility to manage consumer-credit volatility over the coming quarters.
Deleveraging And Liquidity
Debt repayment and ample available liquidity strengthen the company’s financial flexibility. Operating within its 1.5x-2.0x leverage target gives PROG more capacity to absorb pressure, fund strategic initiatives, and maintain capital returns without relying on aggressive balance-sheet expansion.
Bears Say
Consumer Pressure And Lower Guidance
A stressed consumer base can weaken transaction volumes and repayment performance across lease-to-own and financing products. The lower full-year outlook confirms that pressure is affecting near-term earnings power and creates a continuing risk to growth over the next several quarters.
Leasing Yield And Credit Losses
Elevated write-offs and portfolio-yield pressure directly challenge the economics of the core leasing business. Persistent stress in older lease pools can reduce margins and cash returns, while tighter underwriting may protect credit quality but constrain originating volume and revenue growth.
Weak Recent Revenue Trend
The sharp TTM revenue contraction, alongside a lower net margin than in earlier years, indicates weaker earnings power despite continued profitability. Sustained pressure would limit operating leverage and make it harder for the company to compound results across its platform.
PROG Holdings News
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PROG Holdings Stock Smart Score
Company Description
PROG Holdings
PROG Holdings, Inc. functions as a multi-channel financial services firm, specializing in lease-to-own programs for individuals with limited credit access or those traditionally considered underserved. The company's operations are divided into two distinct segments. The Progressive Leasing division provides customers with rent-to-own options for a diverse array of merchandise, such as furniture, household appliances, electronic gadgets, jewelry, mobile phones and their accessories, mattresses, and automobile electronics and fittings. These services are delivered through various touchpoints, including in-store, mobile, and online channels, often in collaboration with point-of-sale and e-commerce retail partners. Meanwhile, the Vive segment extends "second-chance" and revolving credit solutions, utilizing both its own and co-branded credit cards. These offerings are specifically tailored for consumers who might not qualify for conventional prime credit facilities. Across 49 U.S. states and the District of Columbia, PROG Holdings' lease-purchase solutions are made available through a vast network of approximately 24,000 third-party retail partner locations and their corresponding e-commerce platforms. Founded in 1955 and based in Draper, Utah, the company underwent a name change from Aaron's Holdings Company, Inc. to PROG Holdings, Inc. in December 2020.
- Sector
- Industrials
- Industry
- Financial - Credit Services
- CEO
- Steven A. Michaels
- Employees
- 1,235
- Website
- www.progholdings.com
- Address
- 256 West Data Drive, Draper, UT, 84020-2315, US
PROG Holdings (AZD) Earnings & Revenues
AZD Company Deck
AZD Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. The company delivered substantial consolidated GMV, revenue, and EPS growth; Four continued triple-digit growth with expanding profitability; Purchasing Power grew double digits and improved its margin; Progressive Leasing showed improving GMV and gross lease asset trends despite tighter underwriting; and the balance sheet supported debt reduction and significant capital returns. The principal negatives were persistent consumer pressure, leasing portfolio yield and write-off challenges, and reduced full-year revenue and earnings guidance. Management nevertheless maintained confidence in the long-term outlook and growth targets.
View all DE:AZD earnings summariesAZD Net sales Breakdown
- 96.90% Progressive Leasing
- 2.86% Vive
- 0.24% Other
AZD Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 5 | 5 |
| Technical Analysis | 2 | 5 | 2 |
| Moving Averages | 9 | 0 | 3 |