PGL Stock Overview
Prospa Group Limited, a financial technology company, operates as an online lender in Australia.
Prospa Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.59|
|52 Week High||AU$1.25|
|52 Week Low||AU$0.55|
|1 Month Change||-20.27%|
|3 Month Change||-31.40%|
|1 Year Change||-28.05%|
|3 Year Change||-83.75%|
|5 Year Change||n/a|
|Change since IPO||-86.77%|
Recent News & Updates
|PGL||AU Consumer Finance||AU Market|
Return vs Industry: PGL exceeded the Australian Consumer Finance industry which returned -60% over the past year.
Return vs Market: PGL underperformed the Australian Market which returned -11.3% over the past year.
|PGL Average Weekly Movement||7.6%|
|Consumer Finance Industry Average Movement||7.9%|
|Market Average Movement||9.7%|
|10% most volatile stocks in AU Market||16.3%|
|10% least volatile stocks in AU Market||4.2%|
Stable Share Price: PGL is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: PGL's weekly volatility (8%) has been stable over the past year.
About the Company
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 businesses. It serves art and lifestyle, building and trade, financial services, hair and beauty, health, hospitality, manufacturing, professional services, retail, transport, wholesaling, and other industries.
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$34.94m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.0052|
|Net Profit Margin||-1.00%|
How did PGL perform over the long term?See historical performance and comparison
Is PGL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PGL?
Other financial metrics that can be useful for relative valuation.
|What is PGL's n/a Ratio?|
Price to Book Ratio vs Peers
How does PGL's PB Ratio compare to its peers?
|PGL PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
CCV Cash Converters International
FSA FSA Group
PGL Prospa Group
Price-To-Book vs Peers: PGL is good value based on its Price-To-Book Ratio (0.7x) compared to the peer average (2.4x).
Price to Earnings Ratio vs Industry
How does PGL's PE Ratio compare vs other companies in the Oceanian Consumer Finance Industry?
Price-To-Book vs Industry: PGL is good value based on its Price-To-Book Ratio (0.7x) compared to the Global Consumer Finance industry average (0.9x)
Price to Book Ratio vs Fair Ratio
What is PGL's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||0.7x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate PGL's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of PGL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate PGL's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate PGL's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PGL's PEG Ratio to determine if it is good value.
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How is Prospa Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 (1.8%).
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 is expected to become profitable in the next 3 years.
Revenue vs Market: PGL's revenue (21.8% per year) is forecast to grow faster than the Australian market (5.2% per year).
High Growth Revenue: PGL's revenue (21.8% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PGL's Return on Equity is forecast to be low in 3 years time (6.5%).
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How has Prospa Group performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
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 20.1% 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 (81.3%).
Return on Equity
High ROE: PGL has a negative Return on Equity (-0.64%), as it is currently unprofitable.
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How is Prospa Group's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: PGL's short term assets (A$597.7M) exceed its short term liabilities (A$47.8M).
Long Term Liabilities: PGL's short term assets (A$597.7M) exceed its long term liabilities (A$451.8M).
Debt to Equity History and Analysis
Debt Level: PGL's net debt to equity ratio (269.5%) 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 20.9% per year.
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What is Prospa Group current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
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.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as PGL has not reported any payouts.
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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 ($USD962.30K) is above average for companies of similar size in the Australian market ($USD288.24K).
Compensation vs Earnings: Greg's compensation has increased whilst the company is unprofitable.
Experienced Board: PGL's board of directors are considered experienced (4.1 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 employee growth, exchange listings and data sources
- Name: Prospa Group Limited
- Ticker: PGL
- Exchange: ASX
- Founded: 2012
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: AU$96.281m
- Shares outstanding: 163.19m
- Website: https://www.prospa.com
Number of Employees
- Prospa Group Limited
- 4-16 Yurong Street
- Level 1
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 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.