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Propel Holdings Inc. (PRL.TO)
CAD26.35
+0.22 (+0.84%)
CA TSX Financial Services Financial - Credit Services
Address
69 Yonge Street M5E 1K3
Toronto, ON, CA
Toronto, ON, CA
CEO
Clive Kinross
Website
propelholdings.com
IPO
2021-10-20
ISIN CA74349D1069
Also trades on
Other OTC · PRLPF (USD)
Toronto Stock Exchange · PRL.TO (CAD)
Description
Propel Holdings Inc. functions as a digital financial technology enterprise. The company's internet-based lending platform is designed to connect individuals in the United States with diverse credit solutions, including flexible installment loans and revolving lines of credit, primarily offered through its MoneyKey and CreditFresh brands. Additionally, Propel Holdings provides services in marketing, data analytics, and comprehensive loan administration. The company was established in 2011 and its main offices are located in Toronto, Canada.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
CAD26.35
+0.22 (+0.84%)
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Volume Profile
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Liquidity & share structure
Average Volume
217.9K
Beta
1.37
Float Shares
27.66M
Free Float %
70.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.38% | -6.96% | +12.08% | -9.47% | +0.58% | -9.98% | -32.45% | +199.87% | +117.21% | +117.21% | +117.21% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
26.35
DCF (Unlevered)
102.62
+289.4%
DCF (Levered)
122.43
+364.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
88% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | -1 |
| Buy | 4 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
3.59
Safe zone
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+34.0% ★ Q1'26: +17.6% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+17.2% Q1'26: -14.3% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-55.4% Q1'26: +4.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+19.3% Q1'26: +22.2% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+16.6% ★ Q1'26: +19.9% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+11.3% Q1'26: +0.4% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×2.71× ★ Q1'26: 2.15× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 5 EPS Ana. |
Dec 2027 6 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
128.88M
est: 127.08M (+1.4%)
|
226.73M
est: 236.28M (-4.0%)
|
316.70M
est: 279.72M (+13.2%)
|
447.87M
est: 449.70M (-0.4%)
|
600.13M
est: 595.57M (+0.8%)
|
704.80M
692.41M – 712.30M
+18.3% YoY
|
878.22M
860.40M – 895.98M
+24.6% YoY
|
| EBITDA |
10.98M
est: 16.51M (-33.5%)
|
23.60M
est: 30.69M (-23.1%)
|
42.21M
est: 93.03M (-54.6%)
|
68.09M
est: 149.56M (-54.5%)
|
124.70M
est: 198.07M (-37.0%)
|
234.40M
230.28M – 236.90M
+18.3% YoY
|
292.08M
286.15M – 297.98M
+24.6% YoY
|
| EBIT |
8.06M
est: 14.06M (-42.6%)
|
20.22M
est: 26.14M (-22.6%)
|
37.98M
est: 90.64M (-58.1%)
|
62.61M
est: 145.72M (-57.0%)
|
115.53M
est: 192.99M (-40.1%)
|
228.38M
224.37M – 230.81M
+18.3% YoY
|
284.58M
278.80M – 290.33M
+24.6% YoY
|
| Net Income |
6.56M
est: 8.85M (-25.8%)
|
15.13M
est: 18.87M (-19.8%)
|
27.78M
est: 34.93M (-20.5%)
|
46.38M
est: 64.93M (-28.6%)
|
60.56M
est: 75.93M (-20.2%)
|
84.78M
81.05M – 88.50M
+11.7% YoY
|
114.73M
102.96M – 126.49M
+35.3% YoY
|
| SGA |
26.03M
est: 20.60M (+26.3%)
|
35.55M
est: 38.31M (-7.2%)
|
40.17M
est: 33.83M (+18.7%)
|
53.34M
est: 54.38M (-1.9%)
|
—
est: 72.02M (-100.0%)
|
85.23M
83.74M – 86.14M
+18.3% YoY
|
106.20M
104.05M – 108.35M
+24.6% YoY
|
| EPS |
0.24
est: 0.23 (+3.0%)
|
0.44
est: 0.50 (-12.0%)
|
0.76
est: 0.83 (-8.3%)
|
1.32
est: 1.54 (-14.3%)
|
1.55
est: 1.80 (-14.0%)
|
2.02
1.92 – 2.10
+12.3% YoY
|
2.79
2.44 – 3.00
+37.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-01 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-28.46M
OE per share TTM
-0.67
Owner's Yield
-2.92%
Maintenance CapEx ratio
1.22%
Maint CapEx / Avg PPE
1.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 31 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares S&P/TSX SmallCap Index ETF XCS.TO | 0.20% | 334.3K | 0.60% |
| 2 | Fidelity Canadian High Dividend ETF FCCD.TO | 0.05% | 122.2K | 0.39% |
| 3 | State Street SPDR S&P International Small Cap ETF GWX | 0.02% | 153.6K | 0.40% |
| 4 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 43.7K | 0.30% |
| 5 | TD Canadian Equity Index ETF TTP.TO | 0.01% | 445.1K | 0.05% |
| 6 | Desjardins RI Canada - Net-Zero Emissions Pathway ETF DRMC.TO | 0.01% | 5.9K | 0.15% |
| 7 | Avantis Responsible International Equity ETF AVSD | 0.01% | 37.1K | 0.23% |
| 8 | Goldman Sachs MSCI World Private Equity Return Tracker ETF GTPE | 0.01% | 2.3K | 0.50% |
| 9 | iShares MSCI World Small-Cap ETF WSML | 0.01% | 38.1K | 0.30% |
| 10 | iShares MSCI World Small Cap UCITS ETF WSML.L | 0.00% | 341.5K | 0.35% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
186.3K
Shares Outstanding
39.36M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Clive Kinross | Co-Founder, Chief Executive Officer & Director | 3M | male |
| Sheldon Saidakovsky | Co-Founder & Chief Financial Officer | 2M | male |
| Gary Edelstein | President & Chief Operating Officer | 2M | male |
| Noah Buchman | Co-Founder, President & Chief Revenue Officer | 1M | male |
| Jonathan Ari Goler | Co-Founder & Chief Risk Officer | 1M | — |
| Jeanne Lam | Senior Vice President of Growth & Global Marketing | — | female |
| Devon Ghelani | Vice President of Capital Markets & Investor Relations | — | male |
| Jay Vaghela | Senior Vice President, General Counsel & Corporate Secretary | — | male |
| Cindy Usprech | Senior Vice President of People & Culture and Chief of Staff | — | female |
| Sarika Ahluwalia | Senior Vice President & Chief Compliance Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for PRL.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
