PRG

PROGA

NYSE / Financial Services

At close

2026-07-22

Current thesis

The core bull view is that April's earnings release showed better-than-expected operating traction, a raised 2026 outlook, renewed Progressive Leasing GMV growth exiting the quarter, and faster deleveraging than bears expected, which together can justify upside from the current price toward the low-40s.

Posture

Constructive

Lead driver

Momentum

What changed

Next scheduled catalyst: earnings 2026-07-29 · BMO.

What can break

Consumer credit and lease performance could weaken if the macro backdrop deteriorates, which management itself described as challenging [#SEC-8K-2026-04-29].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $42.00 · Bull $47.00 · Bear $31.00

Earnings

2026-07-29 · BMO

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-06-18 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $51.43

Why

Momentum93 · Δ7d -0.2

Value58 · Δ7d -0.0

Sentiment48 · Δ7d -0.8

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-0.2

Δ21d

+5.4

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

-0.1

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

-0.8

Δ21d

+0.6

Why this grade

Composite grade A. Momentum 93.3 / Value 57.9 / Sentiment 48.4

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$1.8B

Beta

1.73

Shares Out

40.07M

P/E (TTM)

7.6

P/S (TTM)

0.47

P/FCF (TTM)

4.29

Rev YoY

+11.1%

EPS YoY

+6.5%

Gross Margin

+35.1%

Op Margin

+8.8%

Net Debt

$293.35M

Current Ratio

8.06

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology