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PROG HoldingsPRG -1.39%91 3-Year Book Growth Rate is 16.70% as of Jun. 2026, which is 53% above its 10-year median of 10.90. GuruFocus rates PRG with a GF Score™ of 91/100 and a GF Value™ of $41.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 984 Business Services companies, PROG Holdings ranks better than 78.56% on this metric.
During the past 12 months, PROG Holdings's average Book Value per Share Growth Rate was 19.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 16.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -4.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of PROG Holdings was 24.80% per year. The lowest was -23.00% per year. And the median was 10.90% per year.
PROG Holdings (NYSE:PRG) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
PROG Holdings 3-Year Book Growth Rate Related Terms
PRG vs VSTS, WLFC, CTOS: 3-Year Book Growth Rate Comparison
For the Rental & Leasing Services subindustry, PROG Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PROG Holdings 3-Year Book Growth Rate vs Business Services Industry
For the Business Services industry and Industrials sector, PROG Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where PROG Holdings's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 16.70% mean?
PROG Holdings (PRG) has a 3-Year Book Growth Rate of 16.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PROG Holdings and its competitors. This is 53% above median its historical median of 10.90. According to the industry distribution chart, PROG Holdings ranks #211 out of 984 companies in the Business Services industry, placing it in the top 21.4%.
Is PROG Holdings' 3-Year Book Growth Rate too high?
PROG Holdings' current 3-Year Book Growth Rate of 16.70% is 53% above median its 10-year median of 10.90. The Business Services industry median 3-Year Book Growth Rate is 5.30. PROG Holdings' value of 16.70% is 215.1% above this industry median. Based on the distribution chart, PROG Holdings ranks #211 out of 984 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, PROG Holdings has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PROG Holdings' 3-Year Book Growth Rate compare to VSTS and WLFC?
According to the Business Services industry distribution chart, PROG Holdings ranks #211 out of 984 companies for 3-Year Book Growth Rate. This places PROG Holdings in the top 21% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 5.30. PROG Holdings' value of 16.70% is 215.1% above this benchmark. While the company's 10-year median is 10.90 vs. the industry median of 5.30, PROG Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Business Services company?
The median 3-Year Book Growth Rate among Business Services companies is 5.30, based on 984 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PROG Holdings's current 3-Year Book Growth Rate of 16.70% is 215.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PROG Holdings and its competitors. For the Business Services industry, the median 3-Year Book Growth Rate is 5.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PROG Holdings's current 3-Year Book Growth Rate is 16.70%, which is 53% above median its own 10-year median of 10.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PROG Holdings stock overvalued right now?
Based on GuruFocus' analysis, PROG Holdings (PRG) is currently considered Fairly Valued. The stock's GF Value™ is $41.07, compared to a current price of $37.60 — trading 8.4% below its estimated fair value. The current 3-Year Book Growth Rate is 16.70%, which is 53% above median its 10-year median of 10.90 and 215.1% above the Business Services industry median of 5.30. PROG Holdings' overall GF Score™ is 91/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For PROG Holdings (PRG), the current 3-Year Book Growth Rate is 16.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PROG Holdings (PRG) Overvalued in 2026?
Based on GuruFocus' analysis, PROG Holdings stock appears to be undervalued.
The current stock price of $37.60 is trading 8.4% below its estimated GF Value™ of $41.07.
GuruFocus considers PROG Holdings to be Fairly Valued.
Key valuation signals for PRG:
3-Year Book Growth Rate: 16.70% (53% above median its 10-year median of 10.90)
GF Value™: $41.07 vs. price of $37.60 (8.4% below fair value)
Industry Position: 215.1% above the Business Services median (#211 of 984)
No single metric tells the full story. See the PRG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The company has two reportable segments: Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the Progressive Leasing segment.
91GF Score
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