Compare $PRG vs $UPST | Chartloom

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$PRG vs $UPST

PROG Holdings Inc · Upstart Holdings Inc

PRG

PROG Holdings Inc

UPST

Upstart Holdings Inc

Compare $PRG vs $UPST

Comparing PROG Holdings Inc and Upstart Holdings Inc

PRGPROG Holdings Inc

UPSTUpstart Holdings Inc

PRGPROG Holdings Inc

Market cap

$1.21B

P/E (TTM)

8.47x

Forward P/E (NTM)

6.10x

Forward P/S (NTM)

0.38x

Rev growth (TTM)

2.6%

YTD performance

3.8%

52W performance

0.3%

FCF yield

26.3%

UPSTUpstart Holdings Inc

Market cap

$2.31B

P/E (TTM)

43.83x

Forward P/E (NTM)

7.87x

Forward P/S (NTM)

1.39x

Rev growth (TTM)

46.3%

YTD performance

-47.4%

52W performance

-53.4%

FCF yield

-13.2%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

PRG

UPST

Detailed metrics comparison

PRG

PROG Holdings Inc

UPST

Upstart Holdings Inc

Market Cap

PRG$1.21B

UPST$2.31B

Enterprise Value

PRG$2.02B

UPST$3.85B

Price

PRG$30.48

UPST$24.10

P/E Ratio

PRG8.47x

UPST43.83x

P/S Ratio

PRG0.47x

UPST1.85x

EV/Sales

PRG0.78x

UPST3.09x

EV/EBITDA

PRG1.13x

UPST50.65x

P/B Ratio

PRG1.53x

UPST2.78x

P/FCF Ratio

PRG3.81x

UPSTN/A

EV/FCF

PRG6.32x

UPST-12.63x

PEG Ratio

PRGN/A

UPST1.22x

Forward P/E (NTM)

PRG6.10x

UPST7.87x

Forward P/S (NTM)

PRG0.38x

UPST1.39x

Revenue (TTM)

PRG$2.58B

UPST$1.25B

Revenue Growth (YoY)

PRG2.6%

UPST46.3%

Forward Rev Growth

PRG8.1%

UPST31.4%

Gross Margin (TTM)

PRG51.3%

UPST82.5%

Operating Margin (TTM)

PRG8.5%

UPST4.6%

EBITDA Margin (TTM)

PRG68.9%

UPST6.0%

Net Margin (TTM)

PRG5.7%

UPST4.8%

FCF Margin (TTM)

PRG12.3%

UPST-24.5%

Net Income (TTM)

PRG$147M

UPST$60M

FCF (TTM)

PRG$319M

UPST$-305M

EPS (TTM)

PRG$3.60

UPST$0.55

ROE (TTM)

PRG19.4%

UPST8.6%

ROA (TTM)

PRG8.1%

UPST2.2%

ROIC (TTM)

PRG9.7%

UPST2.5%

Cash

PRG$85M

UPST$456M

Debt

PRG$887M

UPST$2.00B

Net Cash/Debt

PRG$-802M

UPST$-1.55B

Current Ratio (TTM)

PRG3.81x

UPST1.55x

Quick Ratio (TTM)

PRG3.36x

UPST1.55x

Debt/Equity (TTM)

PRG1.10x

UPST2.51x

Debt/Assets (TTM)

PRG0.0%

UPST0.0%

Interest Coverage (TTM)

PRGN/A

UPSTN/A

Net Debt/EBITDA (TTM)

PRG0.00x

UPST0.00x

Beta

PRG1.91

UPST2.50

52W Performance

PRG0.3%

UPST-53.4%

YTD Performance

PRG3.8%

UPST-47.4%

% from 52W High

PRG-36.1%

UPST-56.4%

% from 52W Low

PRG18.1%

UPST6.8%

Asset Turnover (TTM)

PRG1.43x

UPST0.31x

FCF Yield (TTM)

PRG26.3%

UPST-13.2%

Earnings Yield (TTM)

PRG12.1%

UPST2.6%

Dividend Yield (TTM)

PRG1.7%

UPSTN/A

Rule of 40

PRG14.9

UPST21.8

EV/GP/RG

PRG0.06

UPST0.11

Ticker research

View PRG research View UPST research

Metric	PRG PROG Holdings Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.21B	$2.31B
Enterprise Value	$2.02B	$3.85B
Price	$30.48	$24.10
P/E Ratio	8.47x	43.83x
P/S Ratio	0.47x	1.85x
EV/Sales	0.78x	3.09x
EV/EBITDA	1.13x	50.65x
P/B Ratio	1.53x	2.78x
P/FCF Ratio	3.81x	N/A
EV/FCF	6.32x	-12.63x
PEG Ratio	N/A	1.22x
Forward P/E (NTM)	6.10x	7.87x
Forward P/S (NTM)	0.38x	1.39x
Revenue & Growth
Revenue (TTM)	$2.58B	$1.25B
Revenue Growth (YoY)	2.6%	46.3%
Forward Rev Growth	8.1%	31.4%
Profitability
Gross Margin (TTM)	51.3%	82.5%
Operating Margin (TTM)	8.5%	4.6%
EBITDA Margin (TTM)	68.9%	6.0%
Net Margin (TTM)	5.7%	4.8%
FCF Margin (TTM)	12.3%	-24.5%
Net Income (TTM)	$147M	$60M
FCF (TTM)	$319M	$-305M
EPS (TTM)	$3.60	$0.55
ROE (TTM)	19.4%	8.6%
ROA (TTM)	8.1%	2.2%
ROIC (TTM)	9.7%	2.5%
Financial Health
Cash	$85M	$456M
Debt	$887M	$2.00B
Net Cash/Debt	$-802M	$-1.55B
Current Ratio (TTM)	3.81x	1.55x
Quick Ratio (TTM)	3.36x	1.55x
Debt/Equity (TTM)	1.10x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.91	2.50
52W Performance	0.3%	-53.4%
YTD Performance	3.8%	-47.4%
% from 52W High	-36.1%	-56.4%
% from 52W Low	18.1%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	1.43x	0.31x
FCF Yield (TTM)	26.3%	-13.2%
Earnings Yield (TTM)	12.1%	2.6%
Dividend Yield (TTM)	1.7%	N/A
Other
Rule of 40	14.9	21.8
EV/GP/RG	0.06	0.11
Ticker research	View PRG research	View UPST research

Valuation

P/E Ratio

PRG

8.47x

UPST

43.83x

P/S Ratio

PRG

0.47x

UPST

1.85x

EV/FCF

UPST

-12.63x

PRG

6.32x

Growth & revenue

Revenue Growth TTM

UPST

46.3%

PRG

2.6%

Forward Revenue Growth

UPST

31.4%

PRG

8.1%

Profitability & performance

Gross Margin

UPST

82.5%

PRG

51.3%

ROE

PRG

19.4%

UPST

8.6%

FCF Yield %

PRG

26.3%

UPST

-13.2%

52-Week Performance

PRG

0.3%

UPST

-53.4%

Detailed metrics comparison

PRG

PROG Holdings Inc

UPST

Upstart Holdings Inc

Market Cap

PRG$1.21B

UPST$2.31B

Enterprise Value

PRG$2.02B

UPST$3.85B

Price

PRG$30.48

UPST$24.10

P/E Ratio

PRG8.47x

UPST43.83x

P/S Ratio

PRG0.47x

UPST1.85x

EV/Sales

PRG0.78x

UPST3.09x

EV/EBITDA

PRG1.13x

UPST50.65x

P/B Ratio

PRG1.53x

UPST2.78x

P/FCF Ratio

PRG3.81x

UPSTN/A

EV/FCF

PRG6.32x

UPST-12.63x

PEG Ratio

PRGN/A

UPST1.22x

Forward P/E (NTM)

PRG6.10x

UPST7.87x

Forward P/S (NTM)

PRG0.38x

UPST1.39x

Revenue (TTM)

PRG$2.58B

UPST$1.25B

Revenue Growth (YoY)

PRG2.6%

UPST46.3%

Forward Rev Growth

PRG8.1%

UPST31.4%

Gross Margin (TTM)

PRG51.3%

UPST82.5%

Operating Margin (TTM)

PRG8.5%

UPST4.6%

EBITDA Margin (TTM)

PRG68.9%

UPST6.0%

Net Margin (TTM)

PRG5.7%

UPST4.8%

FCF Margin (TTM)

PRG12.3%

UPST-24.5%

Net Income (TTM)

PRG$147M

UPST$60M

FCF (TTM)

PRG$319M

UPST$-305M

EPS (TTM)

PRG$3.60

UPST$0.55

ROE (TTM)

PRG19.4%

UPST8.6%

ROA (TTM)

PRG8.1%

UPST2.2%

ROIC (TTM)

PRG9.7%

UPST2.5%

Cash

PRG$85M

UPST$456M

Debt

PRG$887M

UPST$2.00B

Net Cash/Debt

PRG$-802M

UPST$-1.55B

Current Ratio (TTM)

PRG3.81x

UPST1.55x

Quick Ratio (TTM)

PRG3.36x

UPST1.55x

Debt/Equity (TTM)

PRG1.10x

UPST2.51x

Debt/Assets (TTM)

PRG0.0%

UPST0.0%

Interest Coverage (TTM)

PRGN/A

UPSTN/A

Net Debt/EBITDA (TTM)

PRG0.00x

UPST0.00x

Beta

PRG1.91

UPST2.50

52W Performance

PRG0.3%

UPST-53.4%

YTD Performance

PRG3.8%

UPST-47.4%

% from 52W High

PRG-36.1%

UPST-56.4%

% from 52W Low

PRG18.1%

UPST6.8%

Asset Turnover (TTM)

PRG1.43x

UPST0.31x

FCF Yield (TTM)

PRG26.3%

UPST-13.2%

Earnings Yield (TTM)

PRG12.1%

UPST2.6%

Dividend Yield (TTM)

PRG1.7%

UPSTN/A

Rule of 40

PRG14.9

UPST21.8

EV/GP/RG

PRG0.06

UPST0.11

Ticker research

View PRG research View UPST research

Metric	PRG PROG Holdings Inc	UPST Upstart Holdings Inc
Market & Valuation
Market Cap	$1.21B	$2.31B
Enterprise Value	$2.02B	$3.85B
Price	$30.48	$24.10
P/E Ratio	8.47x	43.83x
P/S Ratio	0.47x	1.85x
EV/Sales	0.78x	3.09x
EV/EBITDA	1.13x	50.65x
P/B Ratio	1.53x	2.78x
P/FCF Ratio	3.81x	N/A
EV/FCF	6.32x	-12.63x
PEG Ratio	N/A	1.22x
Forward P/E (NTM)	6.10x	7.87x
Forward P/S (NTM)	0.38x	1.39x
Revenue & Growth
Revenue (TTM)	$2.58B	$1.25B
Revenue Growth (YoY)	2.6%	46.3%
Forward Rev Growth	8.1%	31.4%
Profitability
Gross Margin (TTM)	51.3%	82.5%
Operating Margin (TTM)	8.5%	4.6%
EBITDA Margin (TTM)	68.9%	6.0%
Net Margin (TTM)	5.7%	4.8%
FCF Margin (TTM)	12.3%	-24.5%
Net Income (TTM)	$147M	$60M
FCF (TTM)	$319M	$-305M
EPS (TTM)	$3.60	$0.55
ROE (TTM)	19.4%	8.6%
ROA (TTM)	8.1%	2.2%
ROIC (TTM)	9.7%	2.5%
Financial Health
Cash	$85M	$456M
Debt	$887M	$2.00B
Net Cash/Debt	$-802M	$-1.55B
Current Ratio (TTM)	3.81x	1.55x
Quick Ratio (TTM)	3.36x	1.55x
Debt/Equity (TTM)	1.10x	2.51x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.91	2.50
52W Performance	0.3%	-53.4%
YTD Performance	3.8%	-47.4%
% from 52W High	-36.1%	-56.4%
% from 52W Low	18.1%	6.8%
Efficiency & Yields
Asset Turnover (TTM)	1.43x	0.31x
FCF Yield (TTM)	26.3%	-13.2%
Earnings Yield (TTM)	12.1%	2.6%
Dividend Yield (TTM)	1.7%	N/A
Other
Rule of 40	14.9	21.8
EV/GP/RG	0.06	0.11
Ticker research	View PRG research	View UPST research