What is the 13F Pro Quality Score for PRG?

13F Pro ranks PROG Holdings, Inc. (PRG) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PRG's current score at https://13fpro.ai/research/PRG (free sign-up required for the full ranking).

Where does 13F Pro source PRG data?

All PROG Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. PROG Holdings, Inc. files with the SEC under CIK 1808834. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PRG in?

PROG Holdings, Inc. (PRG) is classified in the Industrials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/industrials.

How often is PRG research updated on 13F Pro?

PRG's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PROG Holdings, Inc.(PRG)Stock Analysis

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13F Pro Quality Score

55.4/100

Rank #1,157 of 2,879 stocksTOP 50%

View Industrials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

12.2/100

Profitability

60.4/100

Balance Sheet

84.2/100

Earnings Quality

38.5/100

Free Cash Flow

84.3/100

Institutional Flow

33.7/100

Revenue Scale

62.4/100

Dilution Risk

52.6/100

PRG Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PROG Holdings, Inc. (PRG), a Industrials sector company. 13F Pro's AI-powered ranking engine scores PRG at 55.4/100 on a 32-signal composite quality model, placing it at rank #1,157 of 2,879 stocks — the top half of the AI-ranked universe. PRG scores in the top quartile across free cash flow (84.3), balance sheet strength (84.2). Areas of concern include revenue growth (12.2) and institutional flow (33.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), PROG Holdings, Inc. reports quarterly revenue of $742.7M, net income of $36.1M, an operating margin of 8.8%. Top institutional holders of PRG by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PRG trades on the NYSE exchange and files with the SEC under CIK 1808834. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PRG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PROG Holdings, Inc. directly from SEC EDGAR. PROG Holdings, Inc.'s 13F Pro composite quality score has ranged between 8 and 75 since 2021, currently 55.4 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about PROG Holdings, Inc.

Quirks, history, and lore behind PRG — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services holding company · listed on NYSE · headquartered in Utah · focused on consumer lease-to-own solutions.
2
The Numbers
Annual revenues in the low billions of dollars, serving hundreds of thousands of customers who prefer flexible payment options over traditional credit.
3
The History
The company was spun off from a larger retail conglomerate around 2020, giving it independence to focus purely on its lease-to-own financing platform.
4
The Secret
It doesn't own a single store — instead it powers virtual lease-to-own transactions embedded inside other retailers' checkout flows, mostly online.
5
The Lore
Its platform processes applications in seconds, targeting customers who are credit-challenged — the roughly one-in-three Americans outside the traditional lending system.
6
The Giveaway
Its flagship brand, Progressive Leasing, is the lease-to-own engine hiding inside thousands of furniture, electronics, and appliance retailers — and the parent holding company trades under the ticker PRG.

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Revenue

Q1 2026

$742.7M

Net Income

Q1 2026

$36.1M

Free Cash Flow

Q1 2026

$168.6M

Operating Margin

Q1 2026

8.8%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+0.4% YoY

$2.41BFY 2025

FY20 $2.48BFY23 $2.34BFY24 $2.40BFY25 $2.41B

Net Income

-25.6% YoY

$146.8MFY 2025

FY20 $-61.5MFY23 $138.8MFY24 $197.2MFY25 $146.8M

Operating Income

+6.2% YoY

$206.8MFY 2025

FY20 $271.8MFY23 $218.7MFY24 $194.7MFY25 $206.8M

EPS (Diluted)

-20.8% YoY

$3.59FY 2025

FY20 $-0.90FY23 $2.98FY24 $4.53FY25 $3.59

Total Assets

+6.4% YoY

$1.61BFY 2025

FY20 $1.32BFY23 $1.49BFY24 $1.51BFY25 $1.61B

Total Debt

-7.6% YoY

$594.9MFY 2025

FY20 $50.0MFY23 $592.3MFY24 $643.6MFY25 $594.9M

Op. Cash Flow

+141.8% YoY

$335.0MFY 2025

FY20 $456.0MFY23 $204.2MFY24 $138.5MFY25 $335.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018
Revenue	$2.41B +0.4%	$2.40B +2.6%	$2.34B -5.8%	$2.48B +14.9%	$2.16B +6.2%	$2.04B
Net Income	$146.8M -25.6%	$197.2M +42.1%	$138.8M +325.9%	$-61.5M -295.3%	$31.5M -84.0%	$196.2M
Operating Income	$206.8M +6.2%	$194.7M -11.0%	$218.7M -19.5%	$271.8M +884.2%	$27.6M -82.4%	$156.8M
EPS (Diluted)	$3.59 -20.8%	$4.53 +52.0%	$2.98 +431.1%	$-0.90 -291.5%	$0.47 -83.1%	$2.78
Total Assets	$1.61B +6.4%	$1.51B +1.5%	$1.49B +13.2%	$1.32B -60.1%	$3.30B	—
Total Debt	$594.9M -7.6%	$643.6M +8.7%	$592.3M +1084.5%	$50.0M	—	—
Operating Cash Flow	$335.0M +141.8%	$138.5M -32.2%	$204.2M -55.2%	$456.0M +43.8%	$317.2M -11.0%	$356.5M

AI Insight: PRG Financial Trends

Revenue volatility persists with quarterly swings of $150M+ while debt spiked to $936M in Q1 2026 from $595M prior quarter.

• Revenue fluctuated dramatically from $525M in Q4 2025 to $743M in Q1 2026, showing continued quarterly volatility.

• Operating cash flow turned positive at $172M in Q1 2026 after negative $55M in Q4 2025.

• Equity grew steadily from $582M in Q2 2024 to $774M in Q1 2026.

⚠ Total debt jumped 57% to $936M in Q1 2026 from $595M in Q4 2025.

⚠ Operating income declined to $36M in Q4 2025, the lowest level in the dataset.

AI Insight: PRG Ratio Trends

ROIC collapsed from 36.3% in Q2 2025 to 15.3% in Q1 2026, erasing strong capital efficiency gains.

• Operating margin declined from 10.0% in Q2 2025 to 8.8% in Q1 2026.

• ROE dropped from 23.0% in Q2 2025 to 18.6% in Q1 2026.

• ROIC fell sharply from 36.3% in Q2 2025 to 15.3% in Q1 2026.

⚠ Debt-to-equity ratio jumped from 0.80 in Q4 2025 to 1.21 in Q1 2026.

⚠ Operating margin volatility continues with 310bp swing from Q4 2025 low to Q2 2025 peak.

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Available Research

13F Pro tracks comprehensive data for PROG Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PRG

BlackRock, Inc.
$178.7M6,227,800 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$70.8M2,469,358 sh
VANGUARD CAPITAL MANAGEMENT LLC
$48.0M1,673,687 sh
STATE STREET CORP
$47.9M1,668,819 sh
Allianz Asset Management GmbH
$39.2M1,367,465 sh
DIMENSIONAL FUND ADVISORS LP
$36.0M1,255,835 sh
FMR LLC
$33.2M1,157,318 sh
GOLDMAN SACHS GROUP INC
$31.6M1,103,081 sh
BREACH INLET CAPITAL MANAGEMENT, LLC
$28.9M1,007,160 sh
GEODE CAPITAL MANAGEMENT, LLC
$27.8M968,189 sh

Fund	Value	Shares
BlackRock, Inc.	$178.7M	6,227,800
VANGUARD PORTFOLIO MANAGEMENT LLC	$70.8M	2,469,358
VANGUARD CAPITAL MANAGEMENT LLC	$48.0M	1,673,687
STATE STREET CORP	$47.9M	1,668,819
Allianz Asset Management GmbH	$39.2M	1,367,465
DIMENSIONAL FUND ADVISORS LP	$36.0M	1,255,835
FMR LLC	$33.2M	1,157,318
GOLDMAN SACHS GROUP INC	$31.6M	1,103,081
BREACH INLET CAPITAL MANAGEMENT, LLC	$28.9M	1,007,160
GEODE CAPITAL MANAGEMENT, LLC	$27.8M	968,189

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Is PRG a good stock to buy?

13F Pro's AI-powered analysis of PROG Holdings, Inc. (PRG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PRG are available on the PRG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PRG?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PRG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PROG Holdings, Inc.'s investment landscape.