Prospa Group Limited, a financial technology company, operates as an online lender in Australia.
No risks detected for PGL from our risk checks.
Share Price & News
How has Prospa Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PGL is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: PGL's weekly volatility (10%) has been stable over the past year.
7 Day Return
AU Consumer Finance
1 Year Return
AU Consumer Finance
Return vs Industry: PGL exceeded the Australian Consumer Finance industry which returned 23.6% over the past year.
Return vs Market: PGL exceeded the Australian Market which returned 27.1% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Prospa Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StCould The Prospa Group Limited (ASX:PGL) Ownership Structure Tell Us Something Useful?
1 month ago | Simply Wall StIf You Had Bought Prospa Group (ASX:PGL) Shares A Year Ago You'd Have Earned 24% Returns
3 months ago | Simply Wall StDid Prospa Group Limited (ASX:PGL) Insiders Buy Up More Shares?
Prospa Group Fundamentals Summary
|PGL fundamental statistics|
Is PGL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PGL income statement (TTM)|
|Cost of Revenue||AU$30.83m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.059|
|Net Profit Margin||-14.39%|
How did PGL perform over the long term?See historical performance and comparison
Is Prospa Group undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate PGL's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate PGL's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: PGL is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.
PE vs Market: PGL is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PGL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PGL is good value based on its PB Ratio (1.4x) compared to the AU Consumer Finance industry average (2x).
How is Prospa Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PGL is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: PGL is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: PGL's is expected to become profitable in the next 3 years.
Revenue vs Market: PGL's revenue (25.7% per year) is forecast to grow faster than the Australian market (5.3% per year).
High Growth Revenue: PGL's revenue (25.7% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PGL is forecast to be unprofitable in 3 years.
How has Prospa Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PGL is currently unprofitable.
Growing Profit Margin: PGL is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: PGL is unprofitable, and losses have increased over the past 5 years at a rate of 37.9% per year.
Accelerating Growth: Unable to compare PGL's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PGL is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).
Return on Equity
High ROE: PGL has a negative Return on Equity (-7.62%), as it is currently unprofitable.
How is Prospa Group's financial position?
Financial Position Analysis
Short Term Liabilities: PGL's short term assets (A$477.3M) exceed its short term liabilities (A$56.7M).
Long Term Liabilities: PGL's short term assets (A$477.3M) exceed its long term liabilities (A$323.3M).
Debt to Equity History and Analysis
Debt Level: PGL's debt to equity ratio (289%) is considered high.
Reducing Debt: Insufficient data to determine if PGL's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable PGL has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: PGL is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 19.2% per year.
What is Prospa Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PGL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PGL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PGL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PGL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PGL's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Gregory Moshal, also known as Greg, is a Co-Founder of Prospa Group Limited and serves as its Chief Executive Officer. He serves as Chief Executive Officer at Prospa Advance Pty Ltd since 2021 and serv...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD884.33K) is above average for companies of similar size in the Australian market ($USD276.66K).
Compensation vs Earnings: Greg's compensation has increased whilst the company is unprofitable.
Experienced Board: PGL's board of directors are considered experienced (3.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Prospa Group Limited's company bio, employee growth, exchange listings and data sources
- Name: Prospa Group Limited
- Ticker: PGL
- Exchange: ASX
- Founded: 2012
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$168.910m
- Shares outstanding: 163.20m
- Website: https://www.prospa.com
Number of Employees
- Prospa Group Limited
- 4-16 Yurong Street
- Level 1
- New South Wales
Prospa Group Limited, a financial technology company, operates as an online lender in Australia. The company offers small business loans and business line of credits, as well as short term loans to small b...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/19 08:04|
|End of Day Share Price||2021/09/17 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.