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PROG HoldingsFRA:AZD +3.37%91 FCF Margin % is 14.06% as of Jun. 2026, which is 45% above its 10-year median of 9.67. GuruFocus rates FRA:AZD with a GF Score™ of 91/100 and a GF Value™ of €34.05 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,068 Business Services companies, PROG Holdings ranks better than 78.18% on this metric.
The historical data trend for PROG Holdings's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:AZD vs LIME, WLFC, VSTS: FCF Margin % Comparison
For the Rental & Leasing Services subindustry, PROG Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Business Services Industry
For the Business Services industry and Industrials sector, PROG Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PROG Holdings's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PROG Holdings (FRA:AZD) has a FCF Margin % of 14.06% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PROG Holdings and its competitors. This is 45% above median its historical median of 9.67. Over the past decade, PROG Holdings' FCF Margin % has ranged from 2.99 to 15.76. According to the industry distribution chart, PROG Holdings ranks #233 out of 1068 companies in the Business Services industry, placing it in the top 21.8%.
Is PROG Holdings' FCF Margin % too high?
PROG Holdings' current FCF Margin % of 14.06% is 45% above median its 10-year median of 9.67. Over the past 10 years, this metric has ranged from a low of 2.99 to a high of 15.76. The Business Services industry median FCF Margin % is 3.37. PROG Holdings' value of 14.06% is 317.2% above this industry median. Based on the distribution chart, PROG Holdings ranks #233 out of 1068 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' FCF Margin % compare to LIME and WLFC?
According to the Business Services industry distribution chart, PROG Holdings ranks #233 out of 1068 companies for FCF Margin %. This places PROG Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 3.37. PROG Holdings' value of 14.06% is 317.2% above this benchmark. Historically, PROG Holdings' own FCF Margin % has ranged from 2.99 to 15.76 over the past decade. While the company's 10-year median is 9.67 vs. the industry median of 3.37, 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 FCF Margin % for a Business Services company?
The median FCF Margin % among Business Services companies is 3.37, based on 1,068 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PROG Holdings's current FCF Margin % of 14.06% is 317.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PROG Holdings and its competitors. For the Business Services industry, the median FCF Margin % is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PROG Holdings's current FCF Margin % is 14.06%, which is 45% above median its own 10-year median of 9.67. 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 (FRA:AZD) is currently considered Fairly Valued. The stock's GF Value™ is €34.05, compared to a current price of €36.80 — trading 8.1% above its estimated fair value. The current FCF Margin % is 14.06%, which is 45% above median its 10-year median of 9.67 and 317.2% above the Business Services industry median of 3.37. PROG Holdings' overall GF Score™ is 91/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PROG Holdings (FRA:AZD), the current FCF Margin % is 14.06% 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 (FRA:AZD) Overvalued in 2026?
Based on GuruFocus' analysis, PROG Holdings stock appears to be overvalued.
The current stock price of €36.80 is trading 8.1% above its estimated GF Value™ of €34.05.
GuruFocus considers PROG Holdings to be Fairly Valued.
Key valuation signals for FRA:AZD:
FCF Margin %: 14.06% (45% above median its 10-year median of 9.67)
GF Value™: €34.05 vs. price of €36.80 (8.1% above fair value)
Industry Position: 317.2% above the Business Services median (#233 of 1068)
No single metric tells the full story. See the FRA:AZD 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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