Propel Holdings Inc.

OTCPK:PRLP.F Stock Report

Market Cap: US$965.5m

Propel Holdings Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: PRLP.F ($27.95) is trading below our estimate of fair value ($47.53)

Significantly Below Fair Value: PRLP.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PRLP.F?

Key metric: As PRLP.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PRLP.F. This is calculated by dividing PRLP.F's market cap by their current earnings.
What is PRLP.F's PE Ratio?
PE Ratio22.3x
EarningsUS$43.25m
Market CapUS$965.49m

Price to Earnings Ratio vs Peers

How does PRLP.F's PE Ratio compare to its peers?

The above table shows the PE ratio for PRLP.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15x
DAVE Dave
26.7x2.3%US$1.1b
EZPW EZCORP
8.3x10.3%US$686.3m
FINV FinVolution Group
5.2x11.7%US$1.6b
PRAA PRA Group
19.7x42.0%US$856.3m
PRLP.F Propel Holdings
22.3x37.6%US$1.3b

Price-To-Earnings vs Peers: PRLP.F is expensive based on its Price-To-Earnings Ratio (22.3x) compared to the peer average (15x).

Price to Earnings Ratio vs Industry

How does PRLP.F's PE Ratio compare vs other companies in the US Consumer Finance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
YRD Yiren Digital
1.7xn/aUS$421.63m
XYF X Financial
1.7xn/aUS$311.46m
JFIN Jiayin Group
2xn/aUS$311.30m
No more companies available in this PE range
PRLP.F 22.3xIndustry Avg. 12.4xNo. of Companies4PE0816243240+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PRLP.F is expensive based on its Price-To-Earnings Ratio (22.3x) compared to the US Consumer Finance industry average (12.4x).

Price to Earnings Ratio vs Fair Ratio

What is PRLP.F'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.

PRLP.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio22.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PRLP.F's Price-To-Earnings Fair Ratio for valuation analysis.

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 PRLP.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$27.95
US$31.68
+13.3%
3.5%US$33.46US$29.84n/a7
Nov ’25n/a
US$27.02
0%
6.7%US$29.50US$24.29n/a6
Oct ’25US$20.98
US$23.88
+13.8%
7.6%US$25.49US$20.37n/a5
Sep ’25US$21.50
US$23.88
+11.1%
7.6%US$25.49US$20.37n/a5
Aug ’25US$19.23
US$23.15
+20.4%
9.4%US$25.62US$19.22n/a5
Jul ’25US$17.08
US$22.74
+33.2%
12.9%US$25.62US$17.17n/a5
Jun ’25US$15.99
US$22.74
+42.2%
12.9%US$25.62US$17.17n/a5
May ’25n/a
US$17.84
0%
19.4%US$23.01US$14.70n/a5
Apr ’25US$12.74
US$17.11
+34.3%
19.4%US$23.01US$14.10n/a5
Mar ’25US$13.35
US$12.82
-4.0%
11.9%US$14.85US$10.15n/a5
Feb ’25US$12.10
US$12.03
-0.6%
10.5%US$13.33US$10.15n/a5
Jan ’25US$9.60
US$10.22
+6.5%
16.6%US$13.05US$8.34n/a5
Dec ’24US$8.35
US$10.22
+22.5%
16.6%US$13.05US$8.34n/a5
Nov ’24n/a
US$9.89
0%
11.4%US$11.16US$8.31n/a5
Oct ’24US$6.48
US$10.00
+54.3%
11.3%US$11.16US$8.54US$20.985
Sep ’24n/a
US$10.31
0%
10.3%US$11.16US$8.54US$21.504
Aug ’24n/a
US$10.00
0%
11.5%US$11.22US$8.54US$19.235
Jul ’24US$5.40
US$9.88
+83.0%
13.1%US$11.22US$8.16US$17.085
Jun ’24n/a
US$9.88
0%
13.1%US$11.22US$8.16US$15.995
May ’24n/a
US$9.94
0%
10.8%US$11.14US$8.46n/a5
Apr ’24US$5.00
US$9.57
+91.5%
11.0%US$10.93US$8.38US$12.744
Mar ’24n/a
US$10.07
0%
8.1%US$11.22US$9.24US$13.354
Feb ’24n/a
US$10.07
0%
8.1%US$11.22US$9.24US$12.104
Jan ’24n/a
US$10.08
0%
8.0%US$11.22US$9.24US$9.604
Dec ’23n/a
US$10.08
0%
8.0%US$11.22US$9.24US$8.354
Nov ’23n/a
US$10.20
0%
15.7%US$12.40US$8.31n/a4

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

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