NYSE: PRG

PROG (PRG) Stock Analysis & Forecast

Oct 12 close

$30.52+0.04 (+0.1%)

Gekko Brief

AI summaryOct 12 close

PROG shares have fallen sharply despite the company raising its 2026 earnings guidance, dropping 30% over three months and 7.1% in a single mid-day session. Against that decline, analyst sentiment has turned more constructive: Loop Capital upgraded the stock to Buy with a $45 price target, citing anticipated positive GMV growth in the Progressive Leasing segment and an attractive valuation, while Jefferies maintained its Buy rating, trimming its target to $50 from $60 but still framing meaningful upside from the October 7 close. The company also confirmed it will release third-quarter 2026 results before the market opens on 28 October 2026.

PRG closes at $30.52, sitting between its 50-day average of $37.27 and 200-day average of $35.63, with one-month and three-month returns of -17.4% and -32.5% respectively. The GekkoIndex reads 68.4, placing the stock in the Accumulation zone, while the gap to Gekko Fair Value stands at -47.5%, with fair value estimated at $58.16.

Earnings arrive on 28 October 2026, 16 days away and inside a typical 20-trading-day holding window; the prior report saw EPS of $1.19 against a $0.95 estimate, followed by a -4.7% reaction. Analyst coverage from 4 firms is unanimously Buy-rated, with a consensus target of $53.43. Seasonality over the next 20 trading days has averaged -0.9% across 5 years, rising in 3 of them, a mixed historical backdrop worth noting ahead of the report.

Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.

PROG price vs fair value

▲$58.16$30.52Oct ’25Apr ’26Oct ’26
Close $30.52200-day averageGekko Fair Value $58.16

PROG quick facts

Market cap
$1.22B
P/E ratio
9.7
Forward P/E
5.7
EPS, TTM
$3.19
Revenue, TTM
$2.61B
Profit margin
5.6%
Dividend yield
1.78%
Beta
1.78
Volume
366,420 avg 723,283
1-year return
−0.1%
Typical daily move
±3.8%
Typical 20-day move
±8.1%
50-day average
$37.27
200-day average
$35.63
Next earnings
Oct 28 before open
Shares outstanding
39.83M
52-week range
$25.80$47.73

PROG swing-trade checklist

PROG scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

2 supportive2 mixed1 headwind

  • Trendmixed

    Averages disagree

    Close $30.52 sits between the 50-day ($37.27) and 200-day ($35.63) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    68.4, Accumulation

    Reading 68.4 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    47.5% below

    Price is 47.5% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings riskheadwind

    Reports in 16 days

    Reports on Oct 28, 2026, 16 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalitymixed

    −0.9% on average

    From this point in the calendar, the next 20 trading days averaged −0.9% over 5 years, rising in 3 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

PROG stock chart and price history

PROG closed at $30.52 on Oct 12, 2026, −0.1% over the past year, inside a 52-week range of $25.80 to $47.73.

Close50-day average200-day averageVolume
PROG share price, past year, with 50-day and 200-day moving averages and volume$25$35$40$45NovDecJan 2026FebMarAprMayJunJulAugSepOct30.52

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−17.4%
3 months
−32.5%
6 months
+2.3%
1 year
−0.1%
The full PRG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open PRG in Gekko

Follow PROG through every session

Put PRG on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.

Track PRG in GekkoFree for 7 days. No credit card required.

About PROG

PROG provides financial services to consumers who have little access to traditional credit, mainly through lease-to-own arrangements. Its Progressive Leasing arm lets shoppers rent items such as furniture, appliances, electronics, jewelry, phones, mattresses and auto accessories rather than buying them outright, with payment plans available in physical stores, on mobile apps and through online checkout. This leasing business is what the company is most associated with.

The company is split into two parts. Alongside Progressive Leasing sits the Vive segment, which offers revolving credit and so-called second-chance credit cards, including co-branded options, aimed at people who would not typically be approved for standard prime credit products. PROG works with retail partners at the point of sale and online, reaching customers across nearly all U.S. states and the District of Columbia through tens of thousands of partner retail locations and their e-commerce sites.

PROG Holdings traces back to 1955 and is headquartered in Draper, Utah; it took its current name in December 2020, having previously operated as Aaron's Holdings Company. Its shares are listed on the NYSE under the ticker PRG.

Listed
NYSE
Sector
Finance
Industry
Finance/Rental/Leasing
Website
progholdings.com

PROG GekkoIndex: the smart money zone

PROG’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 68.4, in the Accumulation zone, down 1.9 points over five sessions.

010068.4Accumulation

Down 1.9 points over five sessions, from the Buying zone.

Reading for Oct 12, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying59−0.7%−0.2%+2.9%+5.2%
Accumulation (current zone)167+0.2%+0.6%+1.8%+5.8%
Neutral415+0.7%+0.9%+0.8%+2.4%
Distribution30−2.9%−4.2%−2.6%+1.7%
Selling11−2.6%−2.8%−0.9%+6.1%

Average PRG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the PRG price, zone by zone.Track PRG in Gekko

Is PROG stock overvalued? Gekko Fair Value

PROG trades 47.5% below Gekko Fair Value of $58.16, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what PROG shares are worth, recalculated every trading day.

$58.16

Gekko Fair Value, Oct 10, 2026

47.5% Undervalued

At the end of Aug 2026 the price was 23.4% below the estimate.

Gekko Fair ValueShare price, month end
$58$30Aug 2026SepOct 2026

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open PRG in Gekko

PROG insider and Congress trading

No open-market insider purchases were filed for PROG, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for PRG in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every PRG insider filing, plotted on the chart in Gekko.Open PRG in Gekko

Congress trades last 90 days

No trades in PRG were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for PRG, plotted on the chart in Gekko.Open PRG in Gekko

Buybacks

PROG has been buying back its own shares.

Latest authorization
$500.0M, Jul 29, 2026
Bought back, quarter ended Sep 30, 2025
$28K
As a share of market cap
0.00%
Trailing four quarters
$92.27M

From company filings.

PROG earnings: next date and track record

PROG reports on Oct 28, 2026, before the open (16 days away), and beat the EPS estimate in 7 of its last 8 reports.

7 of 8reports beat the EPS estimate
±14.2%average move across the report
3 of 8reports followed by a gain

Share-price move across each report

−8.7%Oct ’24−31.6%Feb ’25−6.1%Apr ’25+14.1%Jul ’25−4.8%Oct ’25+19.3%Feb ’26+24.1%Apr ’26−4.7%Jul ’26

Last earnings call, Jul 29, 2026 AI summary

What they said
PROG Holdings reported strong Q2 2026 results with consolidated revenue of $720 million, up 22% year-over-year. Consolidated GMV grew 60% versus prior year, accelerating from 54% in Q1. Progressive Leasing GMV grew 3.4% YoY, recovering from a 2.2% decline in Q1. Four achieved triple-digit GMV growth for the 11th consecutive quarter. Adjusted EBITDA and non-GAAP EPS both exceeded the top of guidance ranges.
Guidance
Management reaffirmed 2026 full-year outlook and provided Q3 2026 guidance. Growth trajectory is expected to continue across all three business segments, supported by disciplined credit underwriting and expanded retail distribution.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 29, 2026$1.19
est $0.95
+25.7%$719.7M
est $713.5M
+0.9%−4.7%
Apr 29, 2026$1.24
est $0.78
+59.0%$742.7M
est $732.7M
+1.4%+24.1%
Feb 18, 2026$0.74
est $0.60
+23.3%$574.6M
est $584.0M
−1.6%+19.3%
Oct 22, 2025$0.90
est $0.73
+23.3%$595.1M
est $581.8M
+2.3%−4.8%
Jul 23, 2025$1.02
est $0.79
+29.1%$604.7M
est $588.0M
+2.8%+14.1%
Apr 23, 2025$0.90
est $0.82
+9.8%$684.1M
est $605.6M
+13.0%−6.1%
Feb 19, 2025$0.80
est $0.77
+4.5%$623.3M
est $612.7M
+1.7%−31.6%
Oct 23, 2024$0.77
est $0.79
−2.5%$606.1M
est $612.7M
−1.1%−8.7%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

PROG stock forecast and analyst price targets

Analysts’ average 12-month price target for PROG is $53.43, +75.1% from the last close, from 4 firms rating the stock in the last 90 days.

$53.43consensus 12-month target, +75.1% from the last close
Low $45High $64
Buy4
Hold0
Sell0

Each firm’s latest rating in the last 90 days: 4 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Oct 8Loop Capital MarketsBuy, upgraded$45+47.4%
Oct 7JefferiesBuy, maintained$50+63.8%
Jul 30B. Riley SecuritiesBuy, maintained$64+109.7%
Jul 30KeyBancBuy, maintained$50+63.8%
+1.8%average 20-day move after past Accumulation readings
−0.9%average move over the next 20 trading days in the last 5 years
±3.8%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

PROG seasonality: the next 20 trading days

Over the next 20 trading days from Oct 10, PROG averaged −0.9% across the last 5 years, rising in 3 of them.

Next 20 trading days, by year

+7.2%2021+3.0%2022−8.5%2023+0.6%2024−9.3%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+0.6%3 of 5
Next 10 trading days−6.4%2 of 5
Next 15 trading days−5.1%1 of 5
Next 20 trading days−0.9%3 of 5
Next 30 trading days+0.2%2 of 5

For scale, PRG’s typical 20-trading-day move in either direction is about 8.1%.

PROG market cap and key statistics

PROG’s market cap is $1.22B, with a P/E ratio of 9.7 and revenue of $2.61B over the last twelve months.

Valuation

Market cap
$1.22B
P/E ratio
9.7
Forward P/E
5.7
EPS, TTM
$3.19
Gekko Fair Value
$58.16

Trading

Volume
366,420
Avg volume, 20 days
723,283
52-week high
$47.73
52-week low
$25.80
Shares outstanding
39.83M

Financials

Revenue, TTM
$2.61B
Profit margin
5.6%
Return on equity
17.1%
Quarterly earnings growth, YoY
−4.2%

Risk and income

Beta
1.78
Typical daily move
±3.8%
Typical 20-day move
±8.1%
Dividend yield
1.78%

PROG peers

PROG’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
VVisa+0.9%Neutral0.1% below
MAMastercard+0.4%Neutral2.4% below
AXPAmerican Express+1.1%Accumulation9.3% below
COFCapital One Financial+1.0%Neutral12.1% below
URIUnited Rentals+0.4%Neutral7.5% below
RKTRocket Companies−4.1%Accumulation25.9% below

A peer links to its own page where one exists.

In the Buying zone today

Reporting earnings this week

Popular on Gekko

PROG stock FAQ

What is PROG’s market cap?

PROG’s market cap is $1.22B at the Oct 12, 2026 close of $30.52, with 39.83M shares outstanding. The shares trade on a P/E ratio of 9.7.

What is the PROG stock forecast?

The consensus analyst 12-month price target for PROG is $53.43, +75.1% from the last close. Of the 4 firms that rated the stock in the last 90 days, 4 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is PROG stock overvalued or undervalued?

On Gekko’s estimate PROG is undervalued: the Oct 12, 2026 close of $30.52 is 47.5% below Gekko Fair Value of $58.16. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does PROG report earnings next?

PROG is expected to report on Oct 28, 2026, before the market opens (16 days away). Analysts expect earnings of $1.09 per share on revenue of $737.8M. PROG beat the earnings estimate in 7 of its last 8 reports, moving 14.2% on average across the report.

What is PROG’s 52-week high and low?

PROG’s 52-week high is $47.73 and its 52-week low is $25.80; it closed at $30.52 on Oct 12, 2026, −0.1% over the past year. Over the last five years the shares peaked at $50.79 on Nov 3, 2021.

Is PROG stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 2 as mixed (trend and seasonality) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

See PROG the way Gekko members do

Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.

Join 1,408 other traders using Gekko

Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.