What is Prog Holdings Inc's earnings per share (EPS)?

Prog Holdings Inc (PRG) reported diluted earnings per share of $3.59 for fiscal year 2025. This represents a -20.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Prog Holdings Inc Financials

PRG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Prog Holdings Inc (PRG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 55/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Prog Holdings Inc has an operating margin of 8.6%, meaning the company retains $9 of operating profit per $100 of revenue. This results in a moderate score of 41/100, indicating healthy but not exceptional operating efficiency. This is up from 8.1% the prior year.

Growth

Prog Holdings Inc's revenue grew a modest 0.4% year-over-year to $2.4B. This slow but positive growth earns a score of 34/100.

Leverage

Prog Holdings Inc carries a low D/E ratio of 0.80, meaning only $0.80 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 86/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Prog Holdings Inc has a free cash flow margin of 13.5%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Prog Holdings Inc's ROE of 19.7% shows moderate profitability relative to equity, earning a score of 55/100. This is down from 30.3% the prior year.

Piotroski F-Score Neutral

5/9

Prog Holdings Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.28x

For every $1 of reported earnings, Prog Holdings Inc generates $2.28 in operating cash flow ($335.0M OCF vs $146.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

4.2x

Prog Holdings Inc earns $4.2 in operating income for every $1 of interest expense ($206.8M vs $49.3M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.4B

YoY+0.4%

5Y CAGR-0.6%

Prog Holdings Inc generated $2.4B in revenue in fiscal year 2025. This represents an increase of 0.4% from the prior year.

EBITDA

$230.8M

YoY+4.4%

5Y CAGR-5.3%

Prog Holdings Inc's EBITDA was $230.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 4.4% from the prior year.

Net Income

$146.8M

YoY-25.6%

Prog Holdings Inc reported $146.8M in net income in fiscal year 2025. This represents a decrease of 25.6% from the prior year.

EPS (Diluted)

$3.59

YoY-20.8%

Prog Holdings Inc earned $3.59 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 20.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$324.9M

YoY+149.5%

5Y CAGR-3.7%

Prog Holdings Inc generated $324.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 149.5% from the prior year.

Cash & Debt

$308.8M

YoY+239.6%

5Y CAGR+53.2%

Prog Holdings Inc held $308.8M in cash against $594.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.52

YoY+8.3%

5Y CAGR+25.8%

Prog Holdings Inc paid $0.52 per share in dividends in fiscal year 2025. This represents an increase of 8.3% from the prior year.

Shares Outstanding

40M

YoY-3.0%

Prog Holdings Inc had 40M shares outstanding in fiscal year 2025. This represents a decrease of 3.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

8.6%

YoY+0.5pp

5Y CAGR-2.4pp

Prog Holdings Inc's operating margin was 8.6% in fiscal year 2025, reflecting core business profitability. This is up 0.5 percentage points from the prior year.

Net Margin

6.1%

YoY-2.1pp

5Y CAGR+8.6pp

Prog Holdings Inc's net profit margin was 6.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.1 percentage points from the prior year.

Return on Equity

19.7%

YoY-10.7pp

5Y CAGR+25.9pp

Prog Holdings Inc's ROE was 19.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 10.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$51.8M

YoY-62.7%

Prog Holdings Inc spent $51.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 62.7% from the prior year.

Capital Expenditures

$10.0M

YoY+20.8%

5Y CAGR-31.0%

Prog Holdings Inc invested $10.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 20.8% from the prior year.

PRG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.4B+0.4%	$2.4B+2.6%	$2.3B-9.9%	$2.6B-3.0%	$2.7B+7.8%	$2.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$378.6M+11.6%	$339.1M-0.4%	$340.6M-7.0%	$366.3M	N/A	N/A
Operating Income	$206.8M+6.2%	$194.7M-11.0%	$218.7M+17.8%	$185.6M-44.3%	$333.5M+22.7%	$271.8M
Interest Expense	$49.3M+24.9%	$39.5M0.0%	$39.5M+5.5%	$37.4M+602.6%	$5.3M+2746.5%	$187K
Income Tax	$50.2M+248.1%	-$33.9M-161.1%	$55.4M+11.9%	$49.5M-41.5%	$84.6M+123.1%	$37.9M
Net Income	$146.8M-25.6%	$197.2M+42.1%	$138.8M+40.7%	$98.7M-59.5%	$243.6M+496.3%	-$61.5M
EPS (Diluted)	$3.59-20.8%	$4.53+52.0%	$2.98+56.8%	$1.90-48.2%	$3.67+507.8%	$-0.90

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$525.4M-11.7%	$595.1M-1.6%	$604.7M-11.6%	$684.1M+22.4%	$558.9M-7.8%	$606.1M+2.4%	$592.2M-7.7%	$641.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$91.7M-3.7%	$95.3M+2.7%	$92.8M-6.1%	$98.8M+36.0%	$72.7M-19.0%	$89.7M+3.7%	$86.5M-4.2%	$90.3M
Operating Income	$36.2M-32.4%	$53.5M-11.8%	$60.7M+7.8%	$56.3M+12.6%	$50.0M+1.6%	$49.2M-11.6%	$55.7M+39.8%	$39.8M
Interest Expense	$12.8M+3.6%	$12.4M+1.9%	$12.2M+2.2%	$11.9M+21.2%	$9.8M-1.7%	$10.0M-0.1%	$10.0M+3.2%	$9.7M
Income Tax	$11.0M-11.9%	$12.5M-11.1%	$14.1M+12.6%	$12.5M+178.6%	-$15.9M+62.2%	-$42.1M-389.2%	$14.6M+51.7%	$9.6M
Net Income	$40.5M+22.2%	$33.1M-13.9%	$38.5M+10.8%	$34.7M-39.7%	$57.5M-31.5%	$84.0M+148.6%	$33.8M+53.8%	$22.0M
EPS (Diluted)	N/A	$0.82-13.7%	$0.95+14.5%	$0.83	N/A	$1.94+151.9%	$0.77+57.1%	$0.49

PRG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.6B+6.4%	$1.5B+1.5%	$1.5B0.0%	$1.5B-8.0%	$1.6B+23.1%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$308.8M+239.6%	$90.9M-41.5%	$155.4M+17.8%	$131.9M-22.5%	$170.2M+364.3%	$36.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$74.2M-7.5%	$80.2M+18.2%	$67.9M+5.2%	$64.5M-2.6%	$66.3M+8.2%	$61.3M
Goodwill	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M-3.3%	$306.2M+6.0%	$288.8M
Total Liabilities	$864.0M+0.1%	$863.5M-4.0%	$899.9M-2.3%	$921.4M-2.2%	$942.4M+184.5%	$331.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$594.9M-7.6%	$643.6M+8.7%	$592.3M+0.2%	$591.0M+0.2%	$589.7M+1079.3%	$50.0M
Total Equity	$746.4M+14.8%	$650.3M+10.0%	$591.3M+3.7%	$570.5M-16.0%	$679.4M-31.1%	$986.1M
Retained Earnings	$1.6B+8.5%	$1.5B+13.6%	$1.3B+12.0%	$1.2B+9.4%	$1.1B-14.6%	$1.2B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.6B+4.1%	$1.5B+6.3%	$1.5B-1.0%	$1.5B-2.9%	$1.5B+4.7%	$1.4B-1.0%	$1.5B-0.1%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$308.8M+5.5%	$292.6M+31.8%	$222.0M+4.1%	$213.3M+134.6%	$90.9M-59.0%	$221.7M-11.4%	$250.1M-1.1%	$252.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$74.2M+16.5%	$63.7M+5.3%	$60.5M-9.1%	$66.6M-17.0%	$80.2M+19.3%	$67.2M+9.4%	$61.5M-1.0%	$62.0M
Goodwill	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M0.0%	$296.1M
Total Liabilities	$864.0M+2.5%	$843.0M+7.3%	$785.9M-3.6%	$815.5M-5.6%	$863.5M+5.9%	$815.5M-7.2%	$878.9M+0.3%	$876.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$594.9M	N/A	N/A	N/A	$643.6M	N/A	N/A	N/A
Total Equity	$746.4M+6.1%	$703.6M+5.2%	$668.7M+2.2%	$654.4M+0.6%	$650.3M+3.1%	$630.8M+8.4%	$581.9M-0.6%	$585.1M
Retained Earnings	$1.6B+2.3%	$1.6B+1.8%	$1.5B+2.2%	$1.5B+2.0%	$1.5B+3.7%	$1.4B+5.9%	$1.3B+2.2%	$1.3B

PRG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$335.0M+141.8%	$138.5M-32.2%	$204.2M-15.8%	$242.5M-1.4%	$246.0M-46.1%	$456.0M
Capital Expenditures	$10.0M+20.8%	$8.3M-13.5%	$9.6M-0.6%	$9.7M+1.2%	$9.6M-85.2%	$64.3M
Free Cash Flow	$324.9M+149.5%	$130.2M-33.1%	$194.6M-16.4%	$232.8M-1.5%	$236.4M-39.6%	$391.6M
Investing Cash Flow	$6.6M+108.4%	-$79.2M-103.9%	-$38.8M+27.5%	-$53.5M+34.8%	-$82.2M+28.3%	-$114.5M
Financing Cash Flow	-$128.5M-7.9%	-$119.1M+16.0%	-$141.9M+37.6%	-$227.2M-650.4%	-$30.3M+91.6%	-$362.6M
Dividends Paid	$20.8M+1.8%	$20.4M	$0	$0	$0-100.0%	$13.8M
Share Buybacks	$51.8M-62.7%	$138.7M-0.7%	$139.6M-37.6%	$223.6M+57.1%	$142.4M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$54.9M-149.9%	$110.0M+57.5%	$69.9M-66.7%	$209.9M+348.5%	-$84.5M-365.0%	$31.9M-42.4%	$55.4M-59.2%	$135.7M
Capital Expenditures	$2.6M-27.0%	$3.6M+83.7%	$1.9M-1.4%	$2.0M-13.9%	$2.3M+11.8%	$2.0M+7.1%	$1.9M-9.2%	$2.1M
Free Cash Flow	-$57.5M-154.0%	$106.5M+56.7%	$68.0M-67.3%	$208.0M+339.7%	-$86.8M-390.7%	$29.8M-44.2%	$53.5M-60.0%	$133.6M
Investing Cash Flow	$75.7M+321.0%	-$34.3M-11.6%	-$30.7M-650.2%	-$4.1M+90.6%	-$43.5M-144.1%	-$17.8M-25.3%	-$14.2M-295.5%	-$3.6M
Financing Cash Flow	-$4.6M+11.3%	-$5.2M+82.9%	-$30.5M+65.5%	-$88.2M-4648.3%	$1.9M+104.6%	-$42.5M+3.2%	-$43.9M-26.3%	-$34.7M
Dividends Paid	$5.1M-0.8%	$5.2M+0.1%	$5.2M-1.7%	$5.3M+5.9%	$5.0M-2.1%	$5.1M-0.9%	$5.1M-1.8%	$5.2M
Share Buybacks	$0	$0-100.0%	$25.7M-1.8%	$26.1M-35.5%	$40.5M+9.3%	$37.0M+0.7%	$36.7M+50.3%	$24.4M

PRG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	8.6%+0.5pp	8.1%-1.2pp	9.3%+2.2pp	7.1%-5.3pp	12.4%+1.5pp	10.9%
Net Margin	6.1%-2.1pp	8.2%+2.3pp	5.9%+2.1pp	3.8%-5.3pp	9.1%+11.6pp	-2.5%
Return on Equity	19.7%-10.7pp	30.3%+6.9pp	23.5%+6.2pp	17.3%-18.6pp	35.9%+42.1pp	-6.2%
Return on Assets	9.1%-3.9pp	13.0%+3.7pp	9.3%+2.7pp	6.6%-8.4pp	15.0%+19.7pp	-4.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.80-0.2	0.99-0.0	1.00-0.0	1.04+0.2	0.87+0.8	0.05
FCF Margin	13.5%+8.1pp	5.4%-2.9pp	8.3%-0.6pp	9.0%+0.1pp	8.8%-6.9pp	15.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	6.9%-2.1pp	9.0%-1.1pp	10.0%+1.8pp	8.2%-0.7pp	8.9%+0.8pp	8.1%-1.3pp	9.4%+3.2pp	6.2%
Net Margin	7.7%+2.1pp	5.6%-0.8pp	6.4%+1.3pp	5.1%-5.2pp	10.3%-3.6pp	13.9%+8.2pp	5.7%+2.3pp	3.4%
Return on Equity	5.4%+0.7pp	4.7%-1.0pp	5.8%+0.5pp	5.3%-3.5pp	8.8%-4.5pp	13.3%+7.5pp	5.8%+2.1pp	3.8%
Return on Assets	2.5%+0.4pp	2.1%-0.5pp	2.6%+0.3pp	2.4%-1.4pp	3.8%-2.0pp	5.8%+3.5pp	2.3%+0.8pp	1.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.80-0.4	1.20+0.0	1.18-0.1	1.25+0.3	0.99-0.3	1.29-0.2	1.51+0.0	1.50
FCF Margin	-10.9%-28.8pp	17.9%+6.7pp	11.2%-19.2pp	30.4%+45.9pp	-15.5%-20.4pp	4.9%-4.1pp	9.0%-11.8pp	20.8%

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Frequently Asked Questions

What is Prog Holdings Inc's annual revenue?

Prog Holdings Inc (PRG) reported $2.4B in total revenue for fiscal year 2025. This represents a 0.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Prog Holdings Inc's revenue growing?

Prog Holdings Inc (PRG) revenue grew by 0.4% year-over-year, from $2.4B to $2.4B in fiscal year 2025.

Is Prog Holdings Inc profitable?

Yes, Prog Holdings Inc (PRG) reported a net income of $146.8M in fiscal year 2025, with a net profit margin of 6.1%.

What is Prog Holdings Inc's EBITDA?

Prog Holdings Inc (PRG) had EBITDA of $230.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Prog Holdings Inc have?

As of fiscal year 2025, Prog Holdings Inc (PRG) had $308.8M in cash and equivalents against $594.9M in long-term debt.

What is Prog Holdings Inc's operating margin?

Prog Holdings Inc (PRG) had an operating margin of 8.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Prog Holdings Inc's net profit margin?

Prog Holdings Inc (PRG) had a net profit margin of 6.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Prog Holdings Inc pay dividends?

Yes, Prog Holdings Inc (PRG) paid $0.52 per share in dividends during fiscal year 2025.

What is Prog Holdings Inc's return on equity (ROE)?

Prog Holdings Inc (PRG) has a return on equity of 19.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Prog Holdings Inc's free cash flow?

Prog Holdings Inc (PRG) generated $324.9M in free cash flow during fiscal year 2025. This represents a 149.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Prog Holdings Inc's operating cash flow?

Prog Holdings Inc (PRG) generated $335.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Prog Holdings Inc's total assets?

Prog Holdings Inc (PRG) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Prog Holdings Inc's capital expenditures?

Prog Holdings Inc (PRG) invested $10.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Prog Holdings Inc buy back shares?

Yes, Prog Holdings Inc (PRG) spent $51.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Prog Holdings Inc have outstanding?

Prog Holdings Inc (PRG) had 40M shares outstanding as of fiscal year 2025.

What is Prog Holdings Inc's debt-to-equity ratio?

Prog Holdings Inc (PRG) had a debt-to-equity ratio of 0.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Prog Holdings Inc's return on assets (ROA)?

Prog Holdings Inc (PRG) had a return on assets of 9.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Prog Holdings Inc's Piotroski F-Score?

Prog Holdings Inc (PRG) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Prog Holdings Inc's earnings high quality?

Prog Holdings Inc (PRG) has an earnings quality ratio of 2.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Prog Holdings Inc cover its interest payments?

Prog Holdings Inc (PRG) has an interest coverage ratio of 4.2x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Prog Holdings Inc?

Prog Holdings Inc (PRG) scores 55 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.