YOLFTbeta
Propel Holdings Inc

Propel Holdings Inc

PRL · TO · Financial Services / Credit Services

27.79CAD+1.08 (+4.04%)

Price History

Full chart

Market Stats

Previous Close26.71
Open26.99
Day Range26.57 – 28.35
52-Week Range16.88 – 29.39
Volume210.11K
Market Cap985.90M
P/E (TTM)12.91
Forward P/E4.52
EPS1.94
Dividend Yield4.07%
Beta1.36
50-Day Avg25.41
200-Day Avg23.31

About

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. It also offers marketing, analytics, and loan servicing services. The company was formerly known as 2288984 Ontario Inc. and changed its name to Propel Holdings Inc. in June 2021. Propel Holdings Inc. was incorporated in 2011 and is headquartered in Toronto, Canada.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Clive Kinross
  • Employees668
  • Headquarters69 Yonge Street, Toronto, ON, Canada, Canada
  • Websitehttps://www.propelholdings.com

Leadership

  • Mr. Clive KinrossCo-Founder, CEO & Director · b. 1970
  • Mr. Noah BuchmanCo-Founder, President & Chief Revenue Officer · b. 1985
  • Mr. Gary EdelsteinPresident & COO · b. 1972
  • Dr. Jonathan Ari GolerCo-Founder & Chief Risk Officer · b. 1980
  • Mr. Sheldon SaidakovskyCo-Founder & CFO · b. 1979
  • Mr. Devon GhelaniVice President of Capital Markets & Investor Relations
  • Mr. Jay Vaghela L.L.B.Senior VP, General Counsel & Corporate Secretary · b. 1981
  • Ms. Sarika AhluwaliaSenior VP & Chief Compliance Officer · b. 1982
  • Ms. Jeanne LamSenior Vice President of Growth & Global Marketing
  • Ms. Cindy UsprechSenior VP of People & Culture and Chief of Staff · b. 1976

Financials

Income Statement

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue59.93M67.84M73.59M128.88M226.73M316.70M447.87M600.13M
Growth (%)-+13.20%+8.48%+75.13%+75.92%+39.68%+41.42%+34.00%
Cost of Revenue31.84M32.08M29.28M60.78M130.32M184.71M254.35M320.39M
Gross Profit28.09M35.77M44.32M68.11M96.41M131.99M193.52M279.74M
Gross Margin46.87%52.72%60.22%52.84%42.52%41.68%43.21%46.61%
Operating Expense28.18M32.88M33.89M60.04M76.19M94.00M130.91M163.65M
Operating Income-87.57K2.89M10.42M8.06M20.22M37.98M62.61M116.09M
Operating Margin-0.15%4.25%14.16%6.26%8.92%11.99%13.98%19.34%
EBITDA1.15M4.72M12.87M10.98M23.60M42.21M68.09M124.70M
EBITDA Margin1.91%6.95%17.49%8.52%10.41%13.33%15.20%20.78%
Net Income-198.74K1.99M7.33M6.56M15.13M27.78M46.38M60.56M
Net Income Margin-0.33%2.94%9.96%5.09%6.67%8.77%10.35%10.09%
R&D--1.57M2.14M2.60M3.33M--
R&D as % of Total Revenue--2.14%1.66%1.15%1.05%--
Interest Expense2.09M3.26M4.52M5.76M10.16M22.80M31.85M35.34M
Interest Expense % of Total Revenue3.49%4.81%6.14%4.47%4.48%7.20%7.11%5.89%

Balance Sheet

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets33.17M51.16M79.05M149.50M256.68M344.26M551.01M670.56M
Total Liabilities31.13M47.54M70.64M74.17M175.04M242.74M340.89M409.86M
Total Equity2.03M3.62M8.42M75.33M81.64M101.52M210.11M260.70M
Cash6.84M6.20M5.25M7.24M7.66M13.75M20.50M73.81M
Total Debt20.07M33.10M74.82M91.68M295.12M201.52M274.29M338.42M
Net Debt13.23M26.90M47.59M42.81M143.91M187.77M253.79M264.61M

Cash Flow

Currency: USD2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.44M-8.04M-15.42M-51.83M-85.32M-26.95M-54.84M-17.99M
Investing Cash Flow-2.73M-2.68M-2.13M-2.76M-5.27M-5.43M-71.90M-10.37M
Financing Cash Flow7.14M10.08M16.59M56.59M91.01M38.48M134.83M37.40M
Capital Expenditure2.73M2.68M2.13M2.76M5.27M5.43M6.29M330.30K
Free Cash Flow-6.17M-10.72M-17.55M-54.60M-90.59M-32.39M-61.13M-18.32M
Dividends Paid1.73M587.16K2.67M8.07M10.06M10.13M13.99M21.02M
FCF to OCF179.30%133.39%113.80%105.33%106.18%120.16%111.47%101.84%
Dividend Paid to FCF-28.04%-5.48%-15.19%-14.79%-11.10%-31.29%-22.88%-114.76%

Earnings

Report DateNov 15, 2021Mar 21, 2022May 10, 2022Aug 9, 2022Nov 10, 2022Mar 22, 2023May 9, 2023Aug 10, 2023Nov 7, 2023Mar 12, 2024May 8, 2024Aug 7, 2024Nov 6, 2024Mar 12, 2025May 7, 2025Aug 6, 2025Nov 4, 2025Mar 2, 2026May 4, 2026Aug 5, 2026Nov 3, 2026
EPS Estimate0.01-0.120.110.150.140.180.300.180.180.230.360.350.390.390.540.440.450.410.520.480.53
EPS Actual0.020.030.160.130.110.180.310.230.230.290.410.420.380.420.550.450.380.190.540.58-
Surprise100.00%125.00%45.45%-13.33%-21.43%0.00%3.33%27.78%27.78%26.09%13.89%20.00%-2.56%7.69%1.95%2.27%-15.56%-53.66%3.85%20.83%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap985.90M
Enterprise Value1.30B
Trailing P/E12.91
Forward P/E4.52
Price / Sales1.51
Price / Book2.58
EPS1.94
Book Value10.06
Revenue (TTM)653.59M
Gross Profit (TTM)653.59M
EBITDA124.96M
Profit Margin8.85%
Operating Margin16.75%
Return on Equity21.63%
Return on Assets10.78%
Shares Outstanding39.37M
Shares Float29.26M
Beta1.36
Dividend Yield4.07%
Dividend Rate1.02
Payout Ratio55.03%

Dividends

20263×
0.26Aug 14, 20260.24May 15, 20260.23Feb 20, 2026
20254×
0.21Nov 14, 20250.20Aug 27, 20250.18May 15, 20250.17Feb 19, 2025
20244×
0.15Nov 15, 20240.14Aug 16, 20240.13May 15, 20240.12Feb 12, 2024
20234×
0.10Nov 20, 20230.10Aug 17, 20230.10May 16, 20230.10Feb 17, 2023
20224×
0.10Nov 16, 20220.10Aug 17, 20220.10May 18, 20220.10Feb 16, 2022
20211×
0.10Nov 19, 2021