Propel Holdings, Inc.

Propel Holdings, Inc.

24.53
CAD
+0.20
(+0.82%)
1.94EPS
12.42P/E
1.02BMarket Cap
Nov 03Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.73
1.93
2.07
4.48
6.31
8.56
11.84
14.21
15.44
Basic EPS, GAAP
-0.01
0.06
0.22
0.24
0.44
0.81
1.32
1.52
1.47
Free Cash Flow per Basic Share
-0.18
-0.32
-0.53
-1.99
-2.64
-0.95
-1.74
-0.91
-0.54
Dividend per Share
0.05
0.02
0.08
0.29
0.29
0.3
0.4
0.54
0.62
Book Value per Share
0.06
0.11
0.25
2.19
2.38
2.96
5.41
6.64
7.23
Tangible Book Value per Share
-0.04
-0.03
0.05
1.96
2.04
2.57
3.61
4.62
5.2
Basic Weighted Avg Shares
33
33
33
27
34
34
35
39
39
Sales/Revenue/Turnover
58
65
69
123
217
294
416
556
606
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
2
3
3
4
5
9
10
Net Income, GAAP
- -
2
7
7
15
28
46
60
58
Effective Tax Rate (%)
- -
30.86
29.64
18.62
25.19
26.87
25.93
24.47
24.41
Profit Margin (%)
-0.34
3.09
10.62
5.33
6.99
9.45
11.15
10.71
9.55
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
9
13
15
3
3
1
1
8
9
Total Equity
2
4
8
75
82
102
210
261
284
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.78
14.97
7.03
8.44
10.36
11.78
10.98
10.24
Return on Common Equity (%)
- -
70.63
121.89
15.67
19.27
30.33
29.76
25.26
22.38

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
331
325
330
LT Borrowings
- -
- -
- -
LT Finance Leases
8
8
9
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
39
39
39
Market Capitalization
717
525
721

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24
29
21
Accounts Receivable, Net
68
73
80
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
66
57
77
ST Debt
331
325
330
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
191.83%
24.3%
Free Cash Flow
- -
51.81%
-41.78%
Net Income, GAAP
- -
59.79%
28.34%
Sales/Revenue/Turnover
- -
52.99%
33.54%
Total Cash Common Dividend
- -
63.3%
50.3%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
89
99
109
120
416
2025
128
135
- -
147
556
2026
153
171
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.38
0.32
0.31
0.31
1.32
2025
0.6
0.39
- -
0.15
1.52
2026
0.53
0.41
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.09
0.1
0.1
0.11
0.4
2025
0.11
0.13
- -
0.15
0.54
2026
0.16
0.17
- -
- -
- -

Company Description

CEO
Clive Kinross
Full Time Employees
668
Sector
Technology services
Industry
Packaged software
Address
69 Yonge Street Toronto ON Canada M5E 1K3
IPO Date
Oct 20, 2021
Business
Propel Holdings Inc. (TSX:PRL) operates as a financial technology company focused on credit inclusion for underserved consumers through its proprietary AI-powered online lending platform that facilitates installment loans and lines of credit; the company provides these products under its core brands MoneyKey, CreditFresh, and Fora Credit, while also offering marketing, analytics, loan servicing, and lending-as-a-service solutions to banks and institutions. MoneyKey functions as a state-licensed direct lender delivering installment loans or lines of credit to customers across multiple U.S. states; CreditFresh serves as a bank partnership program supplying technology, underwriting, and servicing for credit products originated by FDIC-insured banks; Fora Credit targets the Canadian market with similar lending options. Propel Holdings Inc., founded in 2011 and headquartered in Toronto, Canada, primarily serves consumers in the United States and Canada, with recent expansions into the United Kingdom and broader international ambitions through regulatory approvals for Propel Bank in Puerto Rico. In late 2024, the company completed its $95.9 million CAD acquisition of UK-based fintech lender QuidMarket, establishing a foothold in the European market and enhancing its global direct lending capabilities; it secured an upsized $330 million syndicated credit facility for CreditFresh growth, later expanded further, alongside refinancing for MoneyKey; Propel formed a strategic partnership with Koho to power lines of credit in Canada and received regulatory approval in December 2025 to launch Propel International Bank, Inc., enabling product diversification and expanded U.S. market access.

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