Propel Holdings Inc (PRL) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Propel Holdings Inc C$24.04, price C$24.45, upside -1.7%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
59‑month range C$5.40 – C$40.28 · fair‑value band C$15.16 – C$30.06 · the C$24.45 price screens above the C$24.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Propel Holdings Inc., together with its subsidiaries, operates as a financial technology company. The company's lending platform facilitates to credit products, such as installment loans and lines of credit under the MoneyKey, CreditFresh, Fora Credit, and QuidMarket brands to American consumers.
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Propel Holdings Inc., together with its subsidiaries, operates as a financial technology company. The company's lending platform facilitates to credit products, such as installment loans and lines of credit under the MoneyKey, CreditFresh, Fora Credit, and QuidMarket brands to American consumers. It also offers marketing, analytics, and loan servicing services. The company was formerly known as 2288984 Ontario Inc. and changed its name to Propel Holdings Inc. in June 2021. Propel Holdings Inc. was incorporated in 2011 and is headquartered in Toronto, Canada.
Stock analysis
Propel Holdings Inc (PRL) currently trades at C$24.45, while our model-based Fair Value estimate is C$24.04, so the stock looks roughly fairly valued today (gap 1.7%).
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Valuation
Bull case: the DCF Models group reads highest at a median of C$85.15 per share, and 4 of the 7 models we run sit above the C$24.45 price.
Bear case: the Asset-Based group reads lowest at C$6.29, and 3 of the 7 models stay below the price. Evidence for this calculation is medium.
Scenario range: C$15.16 (bear) to C$30.06 (bull), the price of C$24.45 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Propel Holdings Inc reported revenue of $600M in FY2025 versus $129M in FY2021, a compound +46.9%/yr. Reported net income was $60.6M in FY2025, compounding +74.3%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap C$1.0B (≈ $728M) · P/E ratio 12.9 · P/S ratio 1.30 · EPS (TTM) C$1.90 · Dividend yield 3.1% · Net margin 10.1% · Return on equity 22.4% · Return on assets (EBIT) 10.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −2%, PRL screens richer than that median.
Fair Value models
Bear C$15.16Fair Value C$24.04Bull C$30.06
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (C$0.8570 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+34.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+52.2%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.0%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+56.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+53.6%
Dividend (yield on the price)3.1%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 19%
2025 sits 90% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 332 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside−1.7% · Below median
Profitability
Return on equity (TTM)22.4% · Top 25%
Return on assets11.2% · Top 25%
Net margin (TTM)9.2% · Below median
Operating margin (TTM)22.3% · Below median
Growth and dividend
Revenue growth19.5% · Above median
Dividend yield (TTM)3.1% · Below median
Balance sheet
Debt / equity1.22× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Propel Holdings Inc (PRL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of C$24.04 versus a price of C$24.45, about −2% upside (fairly valued).
What is the fair value of PRL?
Our model-based fair value for Propel Holdings Inc is C$24.04 (as of Sep 27, 2026), built from audited fundamentals. The current price: C$24.45.
What is the quality score of PRL?
Propel Holdings Inc has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Propel Holdings Inc (PRL)?
Our model-based price target is the fair value of C$24.04 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario C$15.16, optimistic scenario C$30.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Propel Holdings Inc stock forecast for 2026?
Our models put fair value at C$24.04, about −2% upside versus a price of C$24.45 (fairly valued). Cautious scenario C$15.16, optimistic scenario C$30.06. The calculation is refreshed regularly with new filings.
What is the revenue of Propel Holdings Inc (PRL)?
Propel Holdings Inc reported trailing-twelve-month revenue of about $617M (latest available figure, as of Sep 27, 2026).
Does Propel Holdings Inc pay a dividend?
Propel Holdings Inc currently shows a dividend yield of about 3.07% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Propel Holdings Inc (PRL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Propel Holdings Inc it is C$24.04 per share (as of Sep 27, 2026), against a price of C$24.45. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Propel Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, PRL trades above its calculated fair value: price C$24.45, fair value C$24.04, a gap of about −2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PRL?
No. The price is what the market pays today (C$24.45); the fair value is what the company's own numbers justify (C$24.04). For Propel Holdings Inc the two are C$0.4120 per share apart. That gap is exactly why we show both numbers side by side.
How much is Propel Holdings Inc worth?
The market values Propel Holdings Inc at about C$1.0B (market capitalisation, as of Sep 27, 2026). Per share that is C$24.45; our models calculate a fair value of C$24.04 per share.
What do the bullish and bearish scenarios say about PRL?
Our models span a range for Propel Holdings Inc: cautious scenario C$15.16, base C$24.04, optimistic C$30.06 per share (as of Sep 27, 2026, price C$24.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PRL?
Propel Holdings Inc trades at a price-to-earnings ratio of 12.9 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$24.04 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.9 (reported for FY2025: 12.0). Other multiples: P/B 2.8, P/S 1.2, EV/EBITDA 8.1.
How solid is the balance sheet of Propel Holdings Inc (PRL)?
Balance-sheet figures for Propel Holdings Inc (as of Sep 27, 2026): return on equity 22.4%, debt of 1.22 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is PRL from its 52-week high?
Propel Holdings Inc trades at C$24.45, about 18% below its 52-week high of C$29.68 and 40% above the low of C$17.40 (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of C$24.04 is for.
Which stocks are comparable to Propel Holdings Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Propel Holdings Inc stock attractive at the current price?
The data as of Sep 27, 2026: price C$24.45, calculated fair value C$24.04 (−2%), Quality Score 43/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PRL calculated?
We run Propel Holdings Inc through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$24.04, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.9 % above its aggregate fair value. Propel Holdings Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Propel Holdings Inc (PRL)?
The closing price on Sep 28, 2026 was C$24.45. Our model-based fair value is C$24.04, about −2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Propel Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (C$15.16 to C$30.06) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Propel Holdings Inc
How large is the market capitalisation of Propel Holdings Inc (PRL)?
The market capitalisation of Propel Holdings Inc is C$1.0B (≈ $728M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Propel Holdings Inc (PRL)?
The price-to-sales ratio of Propel Holdings Inc is 1.30 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Propel Holdings Inc (PRL)?
Earnings per share at Propel Holdings Inc are C$1.90 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Propel Holdings Inc (PRL)?
The dividend yield of Propel Holdings Inc is 3.1% (payout 31.2%, on adjusted earnings, reported 34.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Propel Holdings Inc (PRL)?
The net margin of Propel Holdings Inc is 10.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Propel Holdings Inc (PRL)?
The return on equity (ROE) of Propel Holdings Inc is 22.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Propel Holdings Inc (PRL)?
On an EBIT basis the return on assets of Propel Holdings Inc is 10.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Propel Holdings Inc (PRL)?
The operating margin of Propel Holdings Inc is 22.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Propel Holdings Inc (PRL)?
Revenue at Propel Holdings Inc is growing +19.5% versus a year earlier (3y avg +38.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Propel Holdings Inc (PRL)?
Earnings per share at Propel Holdings Inc are growing −12.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Propel Holdings Inc (PRL) generate?
The free cash flow of Propel Holdings Inc is −$18.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Propel Holdings Inc (PRL) carry?
The net debt of Propel Holdings Inc is $265M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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