Want to see TSE:PRL full AI Analyst Report?
Propel Holdings Inc (PRL) AI Stock Analysis
Top Page
Propel Holdings Inc
(TSX:PRL)
The score is held back primarily by weak cash conversion (negative operating and free cash flow) and leverage, despite strong revenue/profitability trends. Valuation is supportive with a moderate P/E and solid dividend yield, and the latest corporate update is positive, while technical signals are mixed/neutral.
Propel Holdings Inc (PRL) vs. iShares MSCI Canada ETF (EWC)
- Market Cap
- CAD 1.03B
- Dividend Yield
- 3.55%
- Average Volume (3M)
- 161.38K
- Price to Earnings (P/E)
- 13.0
- Beta (1Y)
- 1.80
- Revenue Growth
- 22.39%
- EPS Growth
- -10.18%
- Country
- Canada
- Employees
- 668
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
Propel Holdings Inc Business Overview & Revenue Model
Company Description
Propel Holdings Inc. functions as a digital financial technology enterprise. The company's internet-based lending platform is designed to connect individuals in the United States with diverse credit solutions, including flexible installment loans and...
How the Company Makes Money
Propel primarily makes money by originating and servicing consumer loans through its online lending platforms. Key revenue streams typically include: (1) interest income and/or loan-related yield earned on loans it funds or holds, depending on how lo...
Propel Holdings Inc Earnings Call Summary
Propel Holdings reported strong financial performance with record-breaking revenue and growth across multiple regions. However, economic pressures and a slight uptick in delinquencies led to a cautious outlook and revised guidance. While the company remains optimistic about future growth opportunities, particularly in the UK and through the Lending as a Service program, it maintains a prudent stance in the current economic environment.
Q3-2025 Updates
Positive Updates
Negative Updates
Company Guidance
In the recent earnings call, Propel Holdings provided guidance indicating a strong performance for the third quarter of 2025. The company achieved record total originations funded of $205 million, marking a 37% increase year-over-year, and reported record revenue of $152.1 million, a 30% rise from Q3 2024. Net income grew by 43% to $15 million, while adjusted net income rose by 16% to $16.2 million. The company observed a modest uptick in delinquencies, particularly in the U.S., prompting targeted underwriting adjustments to maintain credit quality. Propel's U.K. market also showed promising growth, with record monthly loan originations rising 78%, and the company expects further expansion. Despite macroeconomic challenges, Propel's AI-powered platform and disciplined risk management have supported stable credit performance and profitable growth, leading to an 8% increase in the annual dividend to $0.84 per share.
Propel Holdings Inc Financial Statement Overview
Summary
Strong multi-year revenue growth and healthy operating profitability/ROE are positives, but the profile is materially weakened by persistent negative operating and free cash flow and a still-leveraged balance sheet (debt-to-equity >1).
Income Statement
78PositiveBalance Sheet
64PositiveCash Flow
34Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 646.73M | 600.13M | 447.87M | 316.70M | 226.73M | 128.88M |
| Gross Profit | 298.13M | 279.74M | 193.52M | 131.99M | 96.41M | 68.11M |
| EBITDA | 120.85M | 124.54M | 68.09M | 42.21M | 23.60M | 10.98M |
| Net Income | 56.96M | 60.56M | 46.38M | 27.78M | 15.13M | 6.56M |
Balance Sheet | ||||||
| Total Assets | 705.43M | 670.56M | 551.01M | 344.26M | 256.68M | 149.50M |
| Cash, Cash Equivalents and Short-Term Investments | 65.72M | 73.81M | 20.50M | 13.75M | 7.66M | 7.24M |
| Total Debt | 338.91M | 338.42M | 274.29M | 201.52M | 151.57M | 50.05M |
| Total Liabilities | 421.41M | 409.86M | 340.89M | 242.74M | 175.04M | 74.17M |
| Stockholders Equity | 284.02M | 260.70M | 210.11M | 101.52M | 81.64M | 75.33M |
Cash Flow | ||||||
| Free Cash Flow | -16.57M | -18.32M | -61.13M | -32.39M | -90.59M | -54.60M |
| Operating Cash Flow | -14.57M | -17.99M | -54.84M | -26.95M | -85.32M | -51.83M |
| Investing Cash Flow | -12.52M | -10.37M | -71.90M | -5.43M | -5.27M | -2.76M |
| Financing Cash Flow | 24.49M | 37.40M | 134.83M | 38.48M | 91.01M | 56.59M |
Propel Holdings Inc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:PRL, the sentiment is Positive. The current price of 26.20 is above the 20-day moving average (MA) of 24.57, above the 50-day MA of 24.92, and above the 200-day MA of 23.03, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 63.50 is Neutral, neither overbought nor oversold. The STOCH value of 93.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:PRL.
Propel Holdings Inc Peers Comparison
Overall Rating
TSE:VBNK73Outperform
TSE:DLCG70Outperform
TSE:AI67Neutral- TSE:PRL63Neutral
TSE:MKP55Neutral
TSE:GSY42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| TSE:VBNK | 73Outperform | CAD 999.16M | 29.35 | 6.17% | 0.32% | 13.80% | 11.27% |
| TSE:DLCG | 70Outperform | CAD 643.40M | 29.12 | 16.54% | 2.15% | 3.93% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TSE:AI | 67Neutral | CAD 537.61M | 11.23 | 9.06% | 9.26% | -10.85% | -5.88% |
| TSE:PRL | 63Neutral | CAD 1.03B | 12.96 | 21.12% | 3.55% | 22.39% | -10.18% |
| TSE:MKP | 55Neutral | CAD 897.86M | 10.45 | 13.08% | 7.71% | 13.67% | 24.33% |
| TSE:GSY | 42Neutral | CAD 710.80M | -2.15 | -37.13% | 13.17% | 5.44% | -222.24% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TSE:PRL | Propel Holdings, Inc. | 26.20 | 1.22 | 4.90% | |
| TSE:AI | Atrium Mortgage Invest | 11.12 | 0.96 | 9.44% | |
| TSE:DLCG | Dominion Lending Centres, Inc. (Canada) Class A | 8.38 | -1.94 | -18.79% | |
| TSE:MKP | Mcan Financial Group | 22.06 | 2.31 | 11.69% | |
| TSE:GSY | Goeasy (OTC) | 44.33 | -121.73 | -73.30% | |
| TSE:VBNK | Versabank (US) | 30.82 | 13.82 | 81.26% |
Propel Holdings Inc Corporate Events
Propel Posts Record Q2 Results and Lifts Dividend Again
PositivePropel Holdings reported record second-quarter results for 2026, highlighted by a 26% year-over-year rise in revenue to $179.6 million and a 24% increase in adjusted EBITDA to $43.7 million. Adjusted net income climbed 29% to $24.8 million, while loa...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 24, 2026