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Propel Holdings (PRLPF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Propel Holdings $20.00, price $17.25, upside +15.9%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Propel Holdings
PRLPF · USSpeculativeUpside exists, but weak quality makes the signal speculative.
✓Fair value $20.00 · Undervalued (+15.9%)
!Quality 50/100
!Expensive Growth (revenue 5y +52.2 %/yr)
!Thin margins · 9.2% net margin (TTM)
!Low debt · negative free cash flow
!3.4% dividend yield · Watch coverage
✓Wide moat 66/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
46‑month range $4.42 – $27.62 · fair‑value band $15.00 – $35.73 · the $17.25 price screens below the $20.00 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
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 (PRLPF) currently trades at $17.25, while our model-based Fair Value estimate is $20.00, implying the stock looks roughly 13.7% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $67.76 per share, and 4 of the 9 models we run sit above the $17.25 price.
Bear case: the Asset-Based group reads lowest at $4.44, and 5 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: $15.00 (bear) to $35.73 (bull), the price of $17.25 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 50/100 (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 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 $692M · P/E ratio 12.9 · P/S ratio 1.30 · EPS (TTM) $1.34 · Dividend yield 3.4% · 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 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 38% 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 16%, PRLPF screens cheaper than that median.
Fair Value models
Bear $15.00
Fair Value $20.00
Bull $35.73
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 ($0.5686 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.
Highest evidence
Residual Income
$8.68
$11.64
$20.52
71
Owner Earnings
$33.51
$67.76
$131.29
70
Gordon GGM
$4.15
$7.48
$10.29
66
All 9 models by family
DCF Models
Owner Earnings
$33.51
$67.76
$131.29
70
Earnings-Based
Graham-Dodd
$10.46
$72.96
$102.39
61
Lynch FV
$37.70
$53.85
$70.01
59
Dividend Discount
Gordon GGM
$4.15
$7.48
$10.29
66
DDM Multi-Stage
$4.15
$6.83
$7.99
65
Multiples
P/E Multiple
$15.00
$20.00
$25.00
63
P/B Multiple
$6.95
$9.27
$11.59
55
Asset-Based
NCAV (Graham)
$3.31
$4.44
$6.62
54
Economic Profit
Residual Income
$8.68
$11.64
$20.52
71
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Set up alert →Quality Score breakdown
Overall quality
50/100
Of which business quality 45 · Market factors (momentum, volatility) 37
Profitability
66
Margins and returns on capital today
Quality Growth
86
Are margins and returns improving?
Cashflow
6
Earnings quality: real cash, not paper profit
Fin. Strength
37
Balance sheet, leverage, solvency risk
Investment
33
Disciplined investing over empire-building
Low Volatility
21
Calm price path (market factor)
Momentum
47
Price trend over the last 3–12 months (market factor)
52W Momentum
38
Distance to the 52-week high (market factor)
Net Issuance
50
Share count: buybacks or dilution?
Revenue & earnings trend
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%
’18
’19
’20
’21
’22
’23
’24
’25
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.
+71.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+68.3%
Dividend (yield on the price)3.4%
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 161% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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Compare Propel Holdings with another stock
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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 · 329 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Frequently asked questions
Is Propel Holdings (PRLPF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $20.00 versus a price of $17.25, about +16% upside (undervalued).
What is the fair value of PRLPF?
Our model-based fair value for Propel Holdings is $20.00 (as of Sep 24, 2026), built from audited fundamentals. The current price: $17.25.
What is the quality score of PRLPF?
Propel Holdings has a Quality Score of 50/100. 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 (PRLPF)?
Our model-based price target is the fair value of $20.00 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario $15.00, optimistic scenario $35.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Propel Holdings stock forecast for 2026?
Our models put fair value at $20.00, about +16% upside versus a price of $17.25 (undervalued). Cautious scenario $15.00, optimistic scenario $35.73. The calculation is refreshed regularly with new filings.
What is the revenue of Propel Holdings (PRLPF)?
Propel Holdings reported trailing-twelve-month revenue of about $617M (latest available figure, as of Sep 24, 2026).
Does Propel Holdings pay a dividend?
Propel Holdings currently shows a dividend yield of about 3.41% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Propel Holdings (PRLPF)?
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 it is $20.00 per share (as of Sep 24, 2026), against a price of $17.25. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Propel Holdings stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PRLPF trades below its calculated fair value: price $17.25, fair value $20.00, a gap of about +16% (undervalued). 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 PRLPF?
No. The price is what the market pays today ($17.25); the fair value is what the company's own numbers justify ($20.00). For Propel Holdings the two are $2.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Propel Holdings worth?
The market values Propel Holdings at about $692M (market capitalisation, as of Sep 24, 2026). Per share that is $17.25; our models calculate a fair value of $20.00 per share.
What do the bullish and bearish scenarios say about PRLPF?
Our models span a range for Propel Holdings: cautious scenario $15.00, base $20.00, optimistic $35.73 per share (as of Sep 24, 2026, price $17.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PRLPF?
Propel Holdings trades at a price-to-earnings ratio of 12.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $20.00 is built from several models across several years. Other multiples: P/B 2.7, P/S 1.1, EV/EBITDA 5.2.
How solid is the balance sheet of Propel Holdings (PRLPF)?
Balance-sheet figures for Propel Holdings (as of Sep 24, 2026): return on equity 22.4%, debt of 0.04 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is PRLPF from its 52-week high?
Propel Holdings trades at $17.25, about 15% below its 52-week high of $20.40 and 38% above the low of $12.51 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $20.00 is for.
Which stocks are comparable to Propel Holdings?
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 stock attractive at the current price?
The data as of Sep 24, 2026: price $17.25, calculated fair value $20.00 (+16%), Quality Score 50/100, from 9 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 PRLPF calculated?
We run Propel Holdings through 9 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 $20.00, 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 14.5 % above its aggregate fair value. Propel Holdings currently trades 14 % below its own fair value, and the market average says nothing about that. 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 (PRLPF)?
The closing price on Oct 2, 2026 was $17.25. Our model-based fair value is $20.00, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Propel Holdings right now?
A fairly wide model range ($15.00 to $35.73) 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
How large is the market capitalisation of Propel Holdings (PRLPF)?
The market capitalisation of Propel Holdings is $692M. 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 (PRLPF)?
The price-to-sales ratio of Propel Holdings 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 (PRLPF)?
Earnings per share at Propel Holdings are $1.34 (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 (PRLPF)?
The dividend yield of Propel Holdings is 3.4% (payout 43.9%). 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 (PRLPF)?
The net margin of Propel Holdings 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 (PRLPF)?
The return on equity (ROE) of Propel Holdings 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 (PRLPF)?
On an EBIT basis the return on assets of Propel Holdings 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 (PRLPF)?
The operating margin of Propel Holdings 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 (PRLPF)?
Revenue at Propel Holdings 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 (PRLPF)?
Earnings per share at Propel Holdings 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 (PRLPF) generate?
The free cash flow of Propel Holdings 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 (PRLPF) carry?
The net debt of Propel Holdings 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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