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PROG Holdings is a financial technology holding company that provides transparent and competitive payment options to consumers. PROG Holdings' operating segments include Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider, and Four Technologies, Inc. ("Four"), a modern, cloud-native mobile app which offers Buy Now, Pay Later ("BNPL"…
Operating margin is thin at 8.73%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue declined 0.5% YoY. The question is whether this is cyclical or a structural shift.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$2.44B
▼ -0.5% YoY
Net Income (TTM)
$148M
▼ -25.6% YoY
Op. Margin
8.85%
▲ +0.5pp YoY
ROIC
15.01%
▼ -0.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$286M
▲ +149.5% YoY
Op. Cash Flow (TTM)
$297M
▲ +141.8% YoY
Net Debt
$867M
Cash & Equiv.
$69M
5Y CAGR: -0.7%
5Y CAGR: -3.7%
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