We’ve recently updated our valuation analysis.

Propel Holdings Valuation

Is PRL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PRL?

Other financial metrics that can be useful for relative valuation.

PRL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.3x
Enterprise Value/EBITDA8.1x
PEG Ratio0.2x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for PRL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average7.7x
CXI Currency Exchange International
9.1x13.9%CA$147.2m
GSY goeasy
10.7x21.3%CA$1.8b
MIT Mint
0.4xn/aCA$13.0m
OLY Olympia Financial Group
10.7xn/aCA$182.9m
PRL Propel Holdings
9.7x60.3%CA$247.1m

Price-To-Earnings vs Peers: PRL is expensive based on its Price-To-Earnings Ratio (9.7x) compared to the peer average (7.7x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a28.0%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a28.0%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: PRL is expensive based on its Price-To-Earnings Ratio (9.7x) compared to the North American Consumer Finance industry average (6.8x)


Price to Earnings Ratio vs Fair Ratio

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 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.7x
Fair PE Ratio27.6x

Price-To-Earnings vs Fair Ratio: PRL is good value based on its Price-To-Earnings Ratio (9.7x) compared to the estimated Fair Price-To-Earnings Ratio (27.6x).


Share Price vs Fair Value

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

Below Fair Value: PRL (CA$7.2) is trading above our estimate of fair value (CA$5.33)

Significantly Below Fair Value: PRL is trading above our estimate of fair value.


Analyst Price Targets

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

The above table shows the analyst PRL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCA$7.30
CA$13.35
+82.9%
12.9%CA$15.14CA$11.10n/a5
May ’24CA$6.74
CA$13.50
+100.2%
10.8%CA$15.14CA$11.50n/a5
Apr ’24CA$6.90
CA$13.11
+90.1%
10.9%CA$14.99CA$11.49n/a4
Mar ’24CA$7.58
CA$13.48
+78.0%
8.2%CA$15.00CA$12.35n/a4
Feb ’24CA$7.25
CA$13.48
+85.9%
8.2%CA$15.00CA$12.35n/a4
Jan ’24CA$7.45
CA$13.58
+82.2%
8.1%CA$15.09CA$12.42n/a4
Dec ’23CA$9.81
CA$13.58
+38.4%
8.1%CA$15.09CA$12.42n/a4
Nov ’23CA$8.23
CA$14.00
+70.1%
14.6%CA$16.84CA$11.26n/a4
Oct ’23CA$7.00
CA$14.42
+106.0%
12.0%CA$17.01CA$12.49n/a4
Sep ’23CA$7.00
CA$13.70
+95.7%
14.6%CA$16.86CA$11.65n/a4
Aug ’23CA$8.35
CA$14.12
+69.2%
12.8%CA$16.93CA$11.98n/a4
Jul ’23CA$6.34
CA$14.31
+125.8%
9.2%CA$16.53CA$13.12n/a4
Jun ’23CA$7.60
CA$14.31
+88.3%
9.2%CA$16.53CA$13.12n/a4
May ’23CA$8.23
CA$15.34
+86.4%
9.7%CA$17.31CA$13.72CA$6.743
Apr ’23CA$9.19
CA$16.16
+75.8%
3.9%CA$16.99CA$15.49CA$6.903
Mar ’23CA$9.30
CA$17.40
+87.1%
3.3%CA$18.13CA$16.74CA$7.583
Feb ’23CA$10.79
CA$18.39
+70.4%
10.2%CA$21.03CA$17.07CA$7.253
Jan ’23CA$13.63
CA$18.39
+34.9%
10.2%CA$21.03CA$17.07CA$7.453
Dec ’22CA$13.75
CA$18.39
+33.7%
10.2%CA$21.03CA$17.07CA$9.813

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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