PROG Holdings, Inc.(PRG)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
Snapshot
$37.99
- 52-Week Range
- $25.80 – $41.14
- YTD
- +29.35%
- IV Rank (30D)
- 29.15
- Straddle Price
- $4.42
- P/C Vol Ratio
- 0.23
- Market Cap
- $1.5B
Fair Value
+50.0% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 0.5% and dividend payments are stable.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.53% |
| Beta vs SPY | 1.00 |
| Cost of Equity (CAPM) | 10.03% (VRP-adj) |
| WACC | 7.78% |
| Volatility Risk Premium | +74.0pp (IV − HV30), ERP adj +50bps |
| Effective Tax Rate | 28.0% |
| Rev. Growth (YoY, DCF input) | +22.8% |
| DCF Horizon | 10 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.10 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $0.3B |
| Return on Equity (TTM) | 19.1% |
| Book / Price | 51.3% — banking bias active (P/B is primary) |
| Gross Margin (TTM) | 97.5% |
| FCF Margin (TTM) | 11.6% |
| Debt / Equity | 1.21 |
| Quality Score | 3/6 — normal (10y DCF) |
| SMA 50 | $33.38 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $35.20 |
| Bollinger Width / SMA20 | 49.1% (drives anchor stability) |
| Net Debt | $0.9B |
| Market Cap | $2B |
Peers used for multiples: ACLS, DNOW, INSW, TDW, VTOL, WHD
(filtered from 8 ETF-co-members; sector bias active)
Blended Fair Value
$239.56
Current Price
$38.52
Deviation
+50.0%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $435.85 | 32% | |
| DDM (Gordon) | $11.27 | 26% | |
| Peer P/E | $49.18 | 15% | median 12.2× · 5 peers |
| Peer EV/EBITDA | $462.67 | 15% | median 9.2× · 5 peers |
| Peer P/B | $43.12 | 3% | median 2.3× · 6 peers |
| Peer P/S | $203.87 | 10% | median 3.1× · 6 peers |
| Market Anchor (SMA50) | $33.38 | 0% | stability 0% (BB-width) |
| Options Expected (B-L 30d) | n/a | 0% |
As of 2026-06-12 · updated 2026-06-12 20:59:55.687000
Info
- Industry (SIC)
- SERVICES-EQUIPMENT RENTAL & LEASING, NEC (7359)
- Exchange
- XNYS
- Market Cap
- $1.5B
PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The company has two reportable segments: Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the Progressive Leasing segment.
Price History
Seasonality
| Month | Avg Return | Years of Data |
|---|---|---|
| Jan | +4.91% | 6 |
| Feb | -5.97% | 6 |
| Mar | -3.71% | 6 |
| Apr | +6.36% | 6 |
| May | +5.81% | 6 |
| Jun | -8.42% | 6 |
| Jul | +12.92% | 5 |
| Aug | -0.40% | 5 |
| Sep | -7.26% | 5 |
| Oct | -6.52% | 5 |
| Nov | +7.91% | 5 |
| Dec | -2.17% | 5 |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $35.42
SMA 50: $33.58
SMA 200: $32.12
Current: $38.52
EMA 12: $36.28
EMA 26: $35.36
MACD: 0.9213 | Signal: 0.1492
BULLISH
ADX (14): 20.49
WEAK TREND
+DI: 35.48
−DI: 15.87
Momentum Oscillators
RSI (14): 64.06
NEUTRAL
Stoch %K: 71.34
Stoch %D: 67.36
Williams %R: -18.17
Volume & Volatility
BB Upper: $38.75
BB Lower: $32.09
NEUTRAL
OBV: -3,577,615
Vol SMA 20: 421,017
Vol ROC: -27.56%
ATR: $1.49
True Range: $2.48
HV 20: 47.9%
HV 30: 43.2%
HV 60: 59.4%
Data Summary
Data Points: 500
Last Updated: 2026-06-13T13:41:35.365000
Date Range: 2024-06-14T00:00:00 – 2026-06-12T00:00:00
AI Analysis
Choose Frenzy-Fast™ for quick analysis or Frenzy-Pro™ for comprehensive analysis.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
Earnings History
6 of 8 under expected move
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2024-07-24 | After-Close | 9.04% | 0.14% | 0.02x | Within |
| 2024-10-23 | Pre-Market | 12.88% | 9.60% | 0.75x | Within |
| 2025-02-19 | Pre-Market | 13.25% | 31.88% | 2.41x | Exceeded |
| 2025-04-23 | unknown | 10.72% | 0.93% | 0.09x | Within |
| 2025-07-23 | Pre-Market | 12.23% | 16.64% | 1.36x | Exceeded |
| 2025-10-22 | Pre-Market | 14.14% | 0.43% | 0.03x | Within |
| 2026-02-18 | Pre-Market | 12.20% | 7.43% | 0.61x | Within |
| 2026-04-29 | After-Close | 10.81% | 0.03% | 0.00x | Within |
Options Activity
- IV Rank (30D)
- 29.15
- IV Rank (7D)
- 80.65
- Avg IV
- 134.9%
- Straddle (30D)
- $4.42
- Straddle (7D)
- $2.58
- P/C Volume
- 0.23
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR25 and BF25 from the live options chain. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Volatility Surface
Enter a ticker to render the implied volatility surface.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
- Beta (1Y vs SPY)
- 1.31
- Correlation (SPY)
- 33.8%
- R²
- 0.11
- Ann. Volatility
- 47.8%
- SPY Volatility
- 12.3%
High volatility - stock moves more than market
Beta & Alpha Over Time
Institutional Ownership (13F)
Latest filings — 2026-03-31
? 13F Guide
Diluted shares outstanding: 40,678,250 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
2 filers$246.73K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | SIMPLEX TRADING, LLC Custodian | $229.52K | 93.02% | 2026-03-31 |
| 2 | GROUP ONE TRADING LLC Custodian | $17.21K | 6.98% | 2026-03-31 |
3 filers$700.04K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | SUSQUEHANNA INTERNATIONAL GROUP, LLP Custodian | $416.00K | 59.43% | 2026-03-31 |
| 2 | CITADEL ADVISORS LLC Custodian | $272.56K | 38.93% | 2026-03-31 |
| 3 | GROUP ONE TRADING LLC Custodian | $11.48K | 1.64% | 2026-03-31 |
Insider Activity
Latest: 2026-05-08
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-05-08 | Daniela Mielke | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | CYNTHIA N DAY | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | DOUGLAS C CURLING | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | Steven A Michaels | Chairman, President and CEO | Award (A) | +137,590 | — | EDGAR | |
| 2026-05-08 | Caroline Sio-Chin Sheu | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | RAY M ROBINSON | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | James P. Smith | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | Ramon Michael Martinez | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-05-08 | ROBERT K. JULIAN | Director | Award (A) | +4,953 | $36.34 | $180.0K | EDGAR |
| 2026-03-09 | Brian Garner | Chief Financial Officer | Tax (F) | −13,418 | $33.26 | -$446.3K | EDGAR |
| 2026-03-09 | Steven A Michaels | President and CEO | Tax (F) | −41,759 | $33.26 | -$1.39M | EDGAR |
| 2026-03-09 | Michael Todd King | Chief Legal and Compliance Off | Tax (F) | −5,067 | $33.26 | -$168.5K | EDGAR |
| 2026-03-09 | George M Sewell | Principal Acct Off, VP Fin Rep | Tax (F) | −965 | $33.26 | -$32.1K | EDGAR |
| 2026-03-09 | Curtis Linn Doman | Director | Tax (F) | −491 | $33.26 | -$16.3K | EDGAR |
| 2026-03-03 | Steven A Michaels | President and CEO | Tax (F) | −46,371 | $34.44 | -$1.60M | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
Insider Holdings
17 insiders · @ $38.52
Officers, directors, and 10%+ owners ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Steven A Michaels | Chairman, President and CEO | 782,878 | $30.16M | -$2.48M | 22 | 2026-05-08 |
| 2 | Curtis Linn Doman | Director | 202,145 | $7.79M | -$2.92M | 16 | 2026-03-09 |
| 3 | Brian Garner | Chief Financial Officer | 143,828 | $5.54M | -$736.9K | 20 | 2026-03-09 |
| 4 | Marvin A Fentress | General Counsel, Corp Sec | 82,584 | $3.18M | $0 | 5 | 2022-03-09 |
| 5 | Blake Wakefield | President, Chief Revenue Off | 77,120 | $2.97M | $0 | 2 | 2021-03-09 |
| 6 | Michael Todd King | Chief Legal and Compliance Off | 62,825 | $2.42M | -$70.5K | 13 | 2026-03-09 |
| 7 | Kathy T Betty | Director | 57,190 | $2.20M | $0 | 4 | 2024-05-17 |
| 8 | DOUGLAS C CURLING | Director | 57,183 | $2.20M | $406.6K | 8 | 2026-05-08 |
| 9 | RAY M ROBINSON | Director | 52,850 | $2.04M | $0 | 6 | 2026-05-08 |
| 10 | CYNTHIA N DAY | Director | 49,625 | $1.91M | $0 | 6 | 2026-05-08 |
| 11 | Eugene Vin IV Thomas | General Counsel and Corp Sec | 34,351 | $1.32M | $33.1K | 3 | 2022-10-31 |
| 12 | George M Sewell | Principal Acct Off, VP Fin Rep | 30,562 | $1.18M | -$218.5K | 21 | 2026-03-09 |
| 13 | Caroline Sio-Chin Sheu | Director | 29,187 | $1.12M | $46.2K | 7 | 2026-05-08 |
| 14 | James P. Smith | Director | 27,707 | $1.07M | $0 | 7 | 2026-05-08 |
| 15 | Ramon Michael Martinez | Director | 27,537 | $1.06M | $0 | 6 | 2026-05-08 |
| 16 | Daniela Mielke | Director | 13,682 | $527.0K | $0 | 3 | 2026-05-08 |
| 17 | ROBERT K. JULIAN | Director | 13,682 | $527.0K | $0 | 3 | 2026-05-08 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
ETF Holders
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
| P/E Ratio | 10.4 |
| P/B Ratio | 1.9 |
| P/S Ratio | 0.6 |
| EV/EBITDA | 1.2 |
| TTM Revenue | $2.5B |
| TTM Net Income | $0.1B |
| TTM EPS | $3.65 |
| ROE | 19.1% |
| Dividend Yield | 1.42% |
| Debt/Equity | 1.21 |