PROG Holdings, Inc. — Earnings Quality Grade C
PRG · Industrials
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 11 days, change -1 days YoY
AR growth -7.5% vs revenue growth 0.4%
Revenue 0.4%, CFFO 141.8%. Cash follows revenue
Expense Quality
Inventory growth -10.5%, COGS data unavailable
CapEx growth 20.8% is >2x revenue growth 0.4%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.28. Profits backed by cash
FCF $0.3B, FCF/NI = 2.21
Accruals ratio = -11.7%. Low accruals
Cash $0.3B covers 51% of debt $0.6B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 47% of equity
Debt/EBITDA = 0.3x. Healthy
Other assets grew 80.6% vs revenue 0.4%
Write-offs normal
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25