PRG vs UPBD
PRG: A financial technology company providing flexible lease-to-own, buy-now-pay-later, and payroll deduction financing solutions to near-prime and subprime consumers. UPBD: Technology-enabled lease-to-own platform serving underserved consumers through direct and third-party retailer channels, augmented with financial health and earned wage access services.
Side-by-side fundamentals
| Metric | PRG | UPBD | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $45.00 | $21.42 | |
| Market cap as of 2026-07-23 | $1.8B | $1.3B | |
| P/E as of 2026-07-23 | 12.17 | 15.02 | PRG lower |
| PEG as of 2026-07-23 | 0.45 | n/a | |
| Net margin as of 2026-07-23 | +6.0% | +1.8% | PRG higher |
| Gross margin as of 2026-07-23 | +91.6% | +48.7% | PRG higher |
| Operating margin as of 2026-07-23 | +8.7% | +5.0% | PRG higher |
| ROE as of 2026-07-23 | +20.5% | +12.1% | PRG higher |
| ROA as of 2026-07-23 | +8.9% | +2.6% | PRG higher |
| Debt / equity as of 2026-07-23 | 1.21 | 2.01 | PRG lower |
| Revenue growth (YoY) as of 2026-07-23 | -1.5% | +7.7% | UPBD higher |
| Revenue CAGR (3y) SEC XBRL | -2.5% | +3.4% | UPBD higher |
| Dividend yield as of 2026-07-23 | +1.2% | +7.3% | UPBD higher |
| Dividend streak (yrs) SEC XBRL | 2 | 3 | UPBD higher |
| Beta as of 2026-07-23 | 1.82 | 1.80 | |
| 1-year return as of 2026-07-22 close | +57.3% | -11.7% | PRG higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.