COMPARE · Reviewed August 3, 2026
PRG vs WLFC
Verdict: Side-by-side breakdown using the Bull Rankings model. PRG scored 57.9, WLFC scored 62.6 — WLFC leads.
Compare another set
Different reporting periods. PRG's fundamentals are as of June 2026, but WLFC's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
PRG
PROG Holdings, Inc.
57.9
$45.81 · $1.8B
fundamentals as of
Score gap
4.7
WLFC leads
WLFC
Willis Lease Finance Corporation
62.6
$73.38 · $1.8B
fundamentals as of
The model, pillar by pillar (0–100 each)
PRG
stronger →← stronger
WLFC
65
Qualityreturns · margins · balance sheet
44
45
Growthrevenue & earnings expansion
88
66
Valuevaluation vs sector peers
63
PRG is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
PRG
WLFC
$319mC
FCF
-$281mF
+0.4%C
Rev
+26.2%A-
1.10C+
D/E
2.99D
14.8xA-
P/E
—
0.93B+
PEG
0.94B+
—
P/S
2.3xB
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
PRG
WLFC
50% below
Price vs fair valuelower is cheaper
—
~-9%/yr
Growth the price implies10-yr FCF · lower = less priced in
—
+76%
1-yr DCF upside
—
+101%
5-yr DCF upside
—
+140%
10-yr DCF upside
—
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
PRG
Why this score
- Raising its dividend
WLFC
Why this score
- Raising its dividend
The companies
PRGPROG Holdings, Inc.
Why now
Rental & Leasing Services · market cap $1.8b. 4% off the 52-week high of $47.73. PEG 0.93 — paying under fair value for the growth rate. 7 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $53.43 (implying +17% upside).
Moat
ROE 18% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Beta 1.79 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
WLFCWillis Lease Finance Corporation
Why now
Rental & Leasing Services · market cap $1.8b. 10% off the 52-week high of $81.54. Revenue growing +26% — in hypergrowth territory. PEG 0.94 — paying under fair value for the growth rate.
Moat
Net margin 16% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 18% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately.
Risk
D/E 2.99 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Free cash flow is negative (-$281m) — capital raises or debt issuance likely required; dilution / leverage risk.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.