TSE:PRL
Propel Holdings (PRL.TO)
Financials 
Technical Analysis 
Jul 13, 2026, 12:00 amThis summary was created by AI, based on 35 opinions in the last 12 months.
Propel Holdings (PRL) is navigating a challenging environment due to rising credit loss provisions and market concerns surrounding sub-prime lending. While many experts recognize the company's strong management team and innovative AI-driven credit assessment system, there is a cautious sentiment related to the overall economic conditions impacting low- to mid-end consumers in Canada. The stock has experienced a notable decline, often being unjustly linked to other alternative lenders like GoEasy (GSY), yet it continues to attract attention due to its growth potential and significant market segment. Analysts point out the potential for a rebound, given the company's strong revenue growth and historically robust dividend increases. However, the overarching risk associated with sub-prime lending and uncertain economic conditions requires careful monitoring from investors.
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He owns 3-4 fintechs like this. PRL does consumer loans, providing for American credit loans. Great track record. Are growing rapidly and pay a nice dividend now. Shares have rebounded well since last fall. Trades at 8zx cash earnings. Growing this year probably 30%.
Jason DonvilleWe can't personalize answers, but the stock has solid momentum and remains reasonably valued. Year over year growth looks good and the last quarter was VERY strong. The dividend was raised in November. We would be comfortable continuing to hold.
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It is an online lender that gives fast access to LOC's and loans mostly to customers in the U.S. Its forecast is for 3X higher revenue and 5X higher profits than its IPO two years ago but the stock is up only 30% since then. It has everything: high growth rate, single digit P/E, 3 1/2% yield. Its technology is incredible. It can look at 1000 variables on a borrower in under 10 seconds. Buy 5 Hold 0 Sell 0
(Analysts’ price target is $14.10)
Jordan ZinbergPRL operates as a consumer lending platform and is now trading at 5.9x times' Forward P/E. In the last few years, revenue growth has been solid. The balance sheet is quite leveraged with long-term debt of $172M, and long-term debt/equity is around 1.82x. PRL’s business model involves borrowing long-term debt and lending it within a short period of time to consumers. Shares are up 48% YTD yet PRL is trading quite cheaply given its growth prospects. Business may improve as well with lower rates. Insiders are committed with 24% ownership and the last quarter was nicely ahead of estimates. It went public in 2021 and only received went over its IPO price. But it is starting to put things together and we consider it interesting. We still prefer much larger peer GSY overall.
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PRL offers credit products and services to the underserved population and its products include: moneykey (loans and lines of credit for US customers), creditfresh (open-ended lines of credit for US customers), fora (lines of credit for Canadian customers), and pathward (lending as a service partner for the US). It has shown high growth rates over the past several years (58% and 75% most recently) and with a small revenue base of $242M it can see good growth into the future. Analyst estimates call for 33% and 36% growth over the next tow years. It's profitable and trades at a cheap valuation of 5.5X forward P/E, and has a growing balance sheet. We think it looks decent here, although it does have small-cap size risks. It does not yet generate positive free cash flow, and it is mostly funded through debt, but it is moving in the right direction. We would consider it buyable today, while being mindful of position sizing and the company's risks.
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Canadian based online lending company.
Large disconnect between fundamentals and current share value of company.
Trading at 4x earnings which is very low.
Low valuation presenting good buying opportunity for long term shareholders.
Management owns 50% of the stock.
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After recently reporting earnings per share growth of 65% with a 54% increase in revenues, we select PRL as a TOP PICK. We like that quarterly cash reserves are growing, while debt is repaid. The company provided loans and lines of credit to 164,000 customers last year using its AI based online platform. It trades at 15x earnings and supports a 30% ROE. We recommend setting a stop-loss at $12, looking to achieve $22 — upside potential of 48%. Yield 1.9%
(Analysts’ price target is $22.38)