Added to YB: 2026-03-13
Pitch date: 2026-01-15
PRLPF [bullish]
Propel Holdings Inc.
-18.67%
current return
Author Info
No bio for this author
Company Info
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.
Market Cap
CAD 575.1M
Pitch Price
CAD 22.99
Price Target
N/A
Dividend
4.11%
EV/EBITDA
7.22
P/E
10.36
EV/Sales
1.51
Sector
Consumer Finance
Category
value
Propel Holdings Inc. - $PRLPF
PRLPF: Specialty finance co w/ short-duration (2-3mo) consumer credit. Q4 guidance cut hit stock, now 9x normalized earnings vs peers at 11-14x despite superior 30%+ ROE. Mgmt tightened underwriting proactively due to inflation/tariffs—reduced charge-offs, prioritized returning customers. Short book enables rapid portfolio rebalancing. 2022-23 precedent: tightened Q4'22, relaxed by Q2'23, ROE rebounded to 30%+. 8% growth in '26 = $2.10 EPS (7.9x NTM P/E). Risks: deeper recession, rate cap regulation, funding constraints.
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