How does PRL's PE Ratio compare to its peers?

PRL is expensive based on its Price-To-Earnings Ratio (23.8x) compared to the peer average (17.7x).

How does PRL's PE Ratio compare vs other companies in the North American Consumer Finance Industry?

PRL is expensive based on its Price-To-Earnings Ratio (23.8x) compared to the North American Consumer Finance industry average (13.2x).

What is PRL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PRL is expensive based on its Price-To-Earnings Ratio (23.8x) compared to the estimated Fair Price-To-Earnings Ratio (20x).

What is the Fair Price of PRL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

PRL (CA$37.31) is trading below our estimate of [[fair value]] (CA$67.21)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Propel Holdings (TSX:PRL) - Stock Price, News & Analysis

PRL Stock Overview

Operates as a financial technology company. More details

PRL fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	6/6
Past Performance	4/6
Financial Health	3/6
Dividends	1/6

Rewards

Trading at 44.5% below our estimate of its fair value

Earnings are forecast to grow 37.56% per year

Earnings grew by 77.7% over the past year

Risk Analysis

Interest payments are not well covered by earnings

High level of non-cash earnings

Significant insider selling over the past 3 months

Shareholders have been diluted in the past year

Propel Holdings Inc. Competitors

goeasy

TSX:GSY

CA$2.9b

Currency Exchange International

TSX:CXI

CA$146.4m

Everyday People Financial

TSXV:EPF

CA$46.2m

Sprott

TSX:SII

CA$1.6b

Price History & Performance

Summary of all time highs, changes and price drops for Propel Holdings
Historical stock prices
Current Share Price	CA$37.31
52 Week High	CA$40.88
52 Week Low	CA$10.89
Beta	1.75
11 Month Change	13.09%
3 Month Change	29.41%
1 Year Change	242.29%
33 Year Change	174.74%
5 Year Change	n/a
Change since IPO	260.83%

Recent updates

Why Investors Shouldn't Be Surprised By Propel Holdings Inc.'s (TSE:PRL) 26% Share Price Surge

Oct 30

Should You Be Adding Propel Holdings (TSE:PRL) To Your Watchlist Today?

Jul 30

Investors Appear Satisfied With Propel Holdings Inc.'s (TSE:PRL) Prospects As Shares Rocket 40%

Apr 19

We Ran A Stock Scan For Earnings Growth And Propel Holdings (TSE:PRL) Passed With Ease

Jan 16

Here's Why Propel Holdings (TSE:PRL) Has Caught The Eye Of Investors

Oct 06

Propel Holdings (TSE:PRL) Is Due To Pay A Dividend Of $0.10

Aug 15

Here's Why We Think Propel Holdings (TSE:PRL) Might Deserve Your Attention Today

Jul 06

Propel Holdings (TSE:PRL) Is Increasing Its Dividend To $0.10

May 14

Propel Holdings (TSE:PRL) Has Announced A Dividend Of $0.095

Feb 13

Shareholder Returns

	PRL	CA Consumer Finance	CA Market
7D	-3.9%	-0.3%	1.7%
1Y	242.3%	62.9%	24.0%

Return vs Industry: PRL exceeded the Canadian Consumer Finance industry which returned 62.9% over the past year.

Return vs Market: PRL exceeded the Canadian Market which returned 24% over the past year.

Price Volatility

Is PRL's price volatile compared to industry and market?
PRL volatility
PRL Average Weekly Movement	7.9%
Consumer Finance Industry Average Movement	7.7%
Market Average Movement	8.3%
10% most volatile stocks in CA Market	17.6%
10% least volatile stocks in CA Market	2.9%

Stable Share Price: PRL has not had significant price volatility in the past 3 months compared to the Canadian market.

Volatility Over Time: PRL's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2011	462	Clive Kinross	www.propelholdings.com

Propel Holdings Inc. operates as a financial technology company. The company’s lending platform facilitates to credit products, such as installment loans and lines of credit under the MoneyKey, CreditFresh, and Fora Credit brands to American consumers. It also offers marketing, analytics, and loan servicing services.

Propel Holdings Inc. Fundamentals Summary

How do Propel Holdings's earnings and revenue compare to its market cap?
PRL fundamental statistics
Market cap	CA$1.44b
Earnings (TTM)	CA$60.47m
Revenue (TTM)	CA$582.23m

23.8x

P/E Ratio

2.5x

P/S Ratio

Is PRL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PRL income statement (TTM)
Revenue	US$416.43m
Cost of Revenue	US$0
Gross Profit	US$416.43m
Other Expenses	US$373.18m
Earnings	US$43.25m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.12
Gross Margin	100.00%
Net Profit Margin	10.39%
Debt/Equity Ratio	195.6%

How did PRL perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

30%

Payout Ratio

Does PRL pay a reliable dividends?

See PRL dividend history and benchmarks

When do you need to buy PRL by to receive an upcoming dividend?
Propel Holdings dividend dates
Ex Dividend Date	Nov 15 2024
Dividend Pay Date	Dec 04 2024
Days until Ex dividend	11 days
Days until Dividend pay date	8 days

Does PRL pay a reliable dividends?

See PRL dividend history and benchmarks

PRL Stock Overview

Rewards

Risk Analysis

Propel Holdings Inc. Competitors

TSX:GSY

CA$2.9b

TSX:CXI

CA$146.4m

TSXV:EPF

CA$46.2m

TSX:SII

CA$1.6b

Price History & Performance

Recent News & Updates

New minor risk - Shareholder dilution

Co-Founder & Chief Risk Officer exercised options to buy CA$1.2m worth of stock.

Independent Chair of the Board recently sold CA$1.2m worth of stock

Propel Holdings Inc. (TSX:PRL) completed the acquisition of Stagemount Limited.

Third quarter dividend of CA$0.15 announced

Third quarter 2024 earnings: EPS misses analyst expectations

Recent updates

New minor risk - Shareholder dilution

Co-Founder & Chief Risk Officer exercised options to buy CA$1.2m worth of stock.

Independent Chair of the Board recently sold CA$1.2m worth of stock

Propel Holdings Inc. (TSX:PRL) completed the acquisition of Stagemount Limited.

Third quarter dividend of CA$0.15 announced

Third quarter 2024 earnings: EPS misses analyst expectations

Propel Holdings Inc. Announces Dividend Increase, Payable on December 4, 2024

Investor sentiment improves as stock rises 16%

Why Investors Shouldn't Be Surprised By Propel Holdings Inc.'s (TSE:PRL) 26% Share Price Surge

Propel Holdings Inc. to Report Q3, 2024 Results on Nov 06, 2024

Propel Holdings Inc. has completed a Follow-on Equity Offering in the amount of CAD 100.1 million.

Propel Holdings Inc. has filed a Follow-on Equity Offering in the amount of CAD 100.1 million.

Investor sentiment improves as stock rises 17%

Second quarter dividend of CA$0.14 announced

Propel Holdings Inc. Announces Dividend Increase, Payable on September 5, 2024

Investor sentiment improves as stock rises 17%

Should You Be Adding Propel Holdings (TSE:PRL) To Your Watchlist Today?

Propel Holdings Inc. to Report Q2, 2024 Results on Aug 07, 2024

Co-Founder & CFO recently sold CA$244k worth of stock

Investor sentiment improves as stock rises 15%

Independent Chair of the Board recently sold CA$1.2m worth of stock

Independent Chair of the Board recently sold CA$10.0m worth of stock

Investor sentiment improves as stock rises 20%

Independent Chair of the Board recently sold CA$2.5m worth of stock

First quarter dividend of CA$0.13 announced

Propel Announces Dividend Increase, Payable on June 5, 2024

Investors Appear Satisfied With Propel Holdings Inc.'s (TSE:PRL) Prospects As Shares Rocket 40%

Propel Holdings Inc. to Report Q1, 2024 Results on May 08, 2024

Propel Holdings Inc., Annual General Meeting, Jun 25, 2024

Propel Holdings Inc. Launches Insurance Product to Protect Canadian Consumers in Partnership with Leading Insurance Innovators

Investor sentiment improves as stock rises 17%

Co-Founder & Chief Risk Officer recently sold CA$316k worth of stock

Consensus EPS estimates increase by 21%

Now 22% overvalued after recent price rise

Propel Holdings Inc. Provides Earnings Guidance for the Full Year 2024

Propel Holdings Inc. Provides Earnings Guidance for the Full Year 2024

Propel Holdings Inc. to Report Q4, 2023 Results on Mar 12, 2024

Third quarter dividend of CA$0.12 announced

Propel Holdings Inc. Declares Dividend for the First Quarter of 2024, Payable on March 5, 2024

Investor sentiment improves as stock rises 18%

We Ran A Stock Scan For Earnings Growth And Propel Holdings (TSE:PRL) Passed With Ease

Investor sentiment improves as stock rises 16%

Investor sentiment improves as stock rises 16%

Upcoming dividend of CA$0.10 per share at 4.6% yield

Third quarter 2023 earnings: EPS exceeds analyst expectations

Propel Holdings Inc. Announces Dividend Increase

Propel Holdings Inc. to Report Q3, 2023 Results on Nov 07, 2023

Here's Why Propel Holdings (TSE:PRL) Has Caught The Eye Of Investors

Vice President of People & Culture recently sold CA$119k worth of stock

Propel Holdings (TSE:PRL) Is Due To Pay A Dividend Of $0.10

Second quarter 2023 earnings: EPS misses analyst expectations

Propel Holdings Inc. Declares Third Quarter Dividend, Payable on September 8, 2023

Investor sentiment deteriorates as stock falls 15%

Propel Holdings Inc. to Report Q2, 2023 Results on Aug 10, 2023

Here's Why We Think Propel Holdings (TSE:PRL) Might Deserve Your Attention Today

Investor sentiment improves as stock rises 19%

Independent Director recently bought CA$74k worth of stock

Propel Holdings (TSE:PRL) Is Increasing Its Dividend To $0.10

First quarter 2023 earnings: EPS and revenues miss analyst expectations