PROG HoldingsFRA:AZD +4.97%87 OCF Margin % is 23.12% as of Mar. 2026, which is 99% above its 10-year median of 11.62. GuruFocus rates FRA:AZD with a GF Score™ of 87/100 and a GF Value™ of €32.75 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,070 Business Services companies, PROG Holdings ranks better than 64.77% on this metric.
The historical rank and industry rank for PROG Holdings's OCF Margin % or its related term are showing as below:
FRA:AZD'
s OCF Margin % Range Over the Past 10 Years
Min: 4.7 Med: 11.62 Max: 18.35
Current: 12.06
During the past 13 years, the highest OCF Margin % of PROG Holdings was 18.35%. The lowest was 4.70%. And the median was 11.62%.
FRA:AZD's OCF Margin % is ranked better than 64.77% of 1070
companies
in the Business Services industry
Industry Median: 7.075
vs FRA:AZD: 12.06
PROG Holdings OCF Margin % Related Terms
PROG Holdings OCF Margin % Historical Data
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The historical data trend for PROG Holdings's OCF 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 WLFC, VSTS, HTZ: OCF Margin % Comparison
For the Rental & Leasing Services subindustry, PROG Holdings's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Business Services Industry
For the Business Services industry and Industrials sector, PROG Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where PROG Holdings's OCF 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 OCF Margin % of 23.12% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PROG Holdings and its competitors. This is 99% above median its historical median of 11.62. Over the past decade, PROG Holdings' OCF Margin % has ranged from 4.70 to 18.35. According to the industry distribution chart, PROG Holdings ranks #377 out of 1070 companies in the Business Services industry, placing it in the top 35.2%.
Is PROG Holdings' OCF Margin % too high?
PROG Holdings' current OCF Margin % of 23.12% is 99% above median its 10-year median of 11.62. Over the past 10 years, this metric has ranged from a low of 4.70 to a high of 18.35. The Business Services industry median OCF Margin % is 7.08. PROG Holdings' value of 23.12% is 226.8% above this industry median. Based on the distribution chart, PROG Holdings ranks #377 out of 1070 companies in the Business Services industry, which is above the industry midpoint. Overall, PROG Holdings has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PROG Holdings' OCF Margin % compare to WLFC and VSTS?
According to the Business Services industry distribution chart, PROG Holdings ranks #377 out of 1070 companies for OCF Margin %. This puts PROG Holdings in the upper half of its industry. The industry median OCF Margin % is 7.08. PROG Holdings' value of 23.12% is 226.8% above this benchmark. Historically, PROG Holdings' own OCF Margin % has ranged from 4.70 to 18.35 over the past decade. While the company's 10-year median is 11.62 vs. the industry median of 7.08, 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 OCF Margin % for a Business Services company?
The median OCF Margin % among Business Services companies is 7.08, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PROG Holdings's current OCF Margin % of 23.12% is 226.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PROG Holdings and its competitors. For the Business Services industry, the median OCF Margin % is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PROG Holdings's current OCF Margin % is 23.12%, which is 99% above median its own 10-year median of 11.62. 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 Modestly Overvalued. The stock's GF Value™ is €32.75, compared to a current price of €38.00 — trading 16% above its estimated fair value. The current OCF Margin % is 23.12%, which is 99% above median its 10-year median of 11.62 and 226.8% above the Business Services industry median of 7.08. PROG Holdings' overall GF Score™ is 87/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PROG Holdings (FRA:AZD), the current OCF Margin % is 23.12% as of Mar. 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 €38.00 is trading 16% above its estimated GF Value™ of €32.75.
GuruFocus considers PROG Holdings to be Modestly Overvalued.
Key valuation signals for FRA:AZD:
OCF Margin %: 23.12% (99% above median its 10-year median of 11.62)
GF Value™: €32.75 vs. price of €38.00 (16% above fair value)
Industry Position: 226.8% above the Business Services median (#377 of 1070)
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.
87GF Score
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