PRG (PROG Holdings) Moat Score : 4/10 (As of Jul. 07, 2025)

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What is PROG Holdings Moat Score?

PROG Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

PROG Holdings has Narrow Moat: PROG Holdings has a discernible moat due to its market position in lease-to-own solutions and moderate customer switching costs. However, the competitive landscape and limited pricing power constrain its moat to a modest level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PROG Holdings might have Narrow Moat - Discernible but modest moat.

Competitive Comparison of PROG Holdings's Moat Score

For the Rental & Leasing Services subindustry, PROG Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

PROG Holdings's Moat Score Distribution in the Business Services Industry

For the Business Services industry and Industrials sector, PROG Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where PROG Holdings's Moat Score falls into.

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PROG Holdings (NYSE:PRG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

PROG Holdings Moat Score Related Terms

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PROG Holdings Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Industrials » Business Services » PROG Holdings Inc (NYSE:PRG) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

AZD:Germany

Address

256 West Data Drive, Draper, UT, USA, 84020-2315

Website

https://www.progholdings.com

PROG Holdings Inc is a financial technology holding company that provides transparent and competitive payment options to consumers. The company has two reportable segments: Progressive Leasing, an in-store, app-based, and e-commerce point-of-sale lease-to-own solutions provider; and Vive Financial (Vive), an omnichannel provider of second-look revolving credit products. The majority of the revenue of the company is earned through the Progressive Leasing segment.

Executives

Brian Garner	officer: Chief Financial Officer	256 WEST DATA DR, DRAPER UT 84020
Steven A Michaels	director, officer: CEO	256 DATA DR, DRAPER UT 84020
Caroline Sio-chin Sheu	director	256 WEST DATA DRIVE, DRAPER UT 84020
Douglas C Curling	director	1000 ALDERMAN DRIVE, ALPHARETTA GA 30005
George M Sewell	officer: Principal Acct Off, VP Fin Rep	256 WEST DATA DR, DRAPER UT 84020
Curtis Linn Doman	director, officer: Chief Innovation Officer-PROG	256 DATA DR, DRAPER UT 84020
Michael Todd King	officer: Chief Legal and Compliance Off	256 WEST DATA DRIVE, DRAPER UT 84020
Thomas Eugene Vin Iv	officer: General Counsel and Corp Sec	632 NORTH TARA COURT, WHICHITA KS 67206
Ramon Michael Martinez	director	256 WEST DATA DRIVE, DRAPER UT 84020
Ray M Robinson	director	1170 PEACHTREE STREET NE, SUITE 2300, ATLANTA GA 30309
Kathy T Betty	director	309 E. PACES FERRY ROAD, ATLANTA GA 30305
Cynthia N Day	director	75 PIEDMONT AVE, ATLANTA GA 30303
James P. Smith	director	256 WEST DATA DRIVE, DRAPER UT 84020
Marvin A Fentress	officer: General Counsel, Corp Sec	256 WEST DATA DR, DRAPER UT 84020
Blake Wakefield	officer: President, Chief Revenue Off	256 WEST DATA DR, DRAPER UT 84020