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Home CompaniesPropel Holdings Inc

Propel Holdings Inc

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
30.5 CAD 3.99 ( 15.05%)
Last update at 2026-11-04T20:47:00Z
VOLUME
1362703
Market Cap
867.17M
P/E
11.41

Momentum Score

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Propel Holdings Inc., together with its subsidiaries, operates as a financial technology company. The company's lending platform facilitates to credit products, such as installment loans and lines of credit under the MoneyKey, CreditFresh, Fora Credit, and QuidMarket brands to American consumers. It also offers marketing, analytics, and loan servicing services. The company was formerly known as 2288984 Ontario Inc. and changed its name to Propel Holdings Inc. in June 2021. Propel Holdings Inc. was incorporated in 2011 and is headquartered in Toronto, Canada.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
27.72
Low
31.06
High
52 Week Price Range
17.24
Low
38.15
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public information on Propel Holdings Inc (PRL.TO) is limited, making it difficult to fully characterize the company's operations or portfolio exposure. Long-term growth depends on the performance of its underlying assets and management's capital allocation; investors may find exposure to potential portfolio appreciation attractive if management delivers value uplift.

Key risks include thin trading liquidity, concentrated holdings, execution and financing risk and governance or reporting uncertainties.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
26.51
Dividend Yield
2.34%
Revenue TTM
589.81M
Revenue Per Share
15.09
Gross Profit TTM
589.81M
Debt / Equity
1.30
ROE
25.26%
Net Debt
264.61M
ROCE
17.26%
Diluted EPS TTM
1.93

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 80.19M 62.61M 37.98M 20.22M 8.06M
Net income 60.56M 46.38M 27.78M 15.13M 6.56M
Selling general administrative 62.02M 53.34M 40.17M 35.55M 26.03M
Gross profit 279.74M 193.52M 131.99M 216.57M 123.13M
Reconciled depreciation 9.01M 5.48M 4.23M 3.38M 2.91M
Ebit 115.53M 62.61M 37.98M 30.39M 13.82M
Ebitda 124.70M 68.09M 42.21M 33.76M 16.74M
Depreciation and amortization 9.17M 5.48M 4.23M 3.38M 2.91M
Operating income 116.09M 62.61M 37.98M 30.39M 13.82M
Other operating expenses 484.04M 385.26M 278.71M 120.15M 55.02M
Interest expense 35.34M 31.85M 22.80M 10.16M 5.76M
Tax provision 19.29M 16.23M 10.21M 5.09M 1.50M
Interest income 457.10M 33.71M 14.68M 16.54M 19.14M
Net interest income 422.36M 320.81M -8.12M 6.37M 13.38M
Income tax expense 19.63M 16.23M 10.21M 5.09M 1.50M
Total revenue 600.13M 447.87M 316.70M 216.57M 123.13M
Total operating expenses 163.65M 130.91M 94.00M - -
Cost of revenue 320.39M 254.35M 184.71M - -
Total other income expense net -35.90M - -22.59M -10.16M -5.76M
Net income from continuing ops 59.52M 46.38M 27.78M 15.13M 6.56M
Net income applicable to common shares - 46.38M 27.78M 15.13M 6.56M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 670.56M 551.01M 344.26M 256.68M 149.50M
Intangible assets 79.12M -16.03M 13.44M 11.47M 7.91M
Other current assets 383.78M - 289.83M - 16.33M
Total liab 409.86M 340.89M 242.74M 175.04M 74.17M
Total stockholder equity 260.70M 210.11M 101.52M 81.64M 75.33M
Deferred long term liab - - - 2.80M 2.72M
Other current liab -13.93M - -203.49M -151.20M -49.60M
Common stock 161.44M - 78.96M 78.95M 78.95M
Capital stock 161.73M 157.63M 78.96M 78.95M 78.95M
Retained earnings 89.23M 51.06M 18.67M 1.03M -4.04M
Other liab - - - - 0.08M
Good will 46.46M 42.98M - - -
Other assets - - 272.06M 208.89M 114.96M
Cash 73.81M 20.50M 13.75M 7.66M 7.24M
Total current liabilities 1.06M - 203.49M 151.20M 49.60M
Net debt 264.61M 251.46M 187.77M 143.91M 42.81M
Short term debt 1.06M - 199.17M 148.90M 46.87M
Short long term debt 329.63M 271.96M 199.17M 148.90M 46.87M
Short long term debt total 338.42M - 201.52M 151.57M 50.05M
Other stockholder equity 7.04M - 3.66M 1.66M 0.42M
Property plant equipment - - - 2.64M 2.98M
Total current assets 525.26M - 56.54M 33.68M 23.64M
Net tangible assets - - - - 67.42M
Net receivables 67.68M 52.59M 42.79M 26.02M 16.41M
Long term debt - - - 144.25M 42.22M
Inventory - - -289.83M - -
Accounts payable 13.93M 10.56M 4.32M 2.30M 2.73M
Accumulated other comprehensive income 2.99M - 0.22M - -
Non currrent assets other 26.47M - -15.66M -14.11M -10.89M
Non current assets total 145.30M - 15.66M 14.11M 10.89M
Capital lease obligations 9.41M 2.33M 2.35M 2.67M 3.18M
Long term debt total - - - 146.22M 44.81M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -71.90M -5.43M -5.27M -2.76M
Change to liabilities - - - 0.00M 8.68M
Total cashflows from investing activities -10.37M -71.90M -5.43M -5.27M -2.76M
Net borrowings 56.59M 71.37M 50.62M - -3.41M
Total cash from financing activities 37.40M 134.83M 38.48M 91.01M 56.59M
Change to operating activities - - - - -119.42M
Net income 60.56M 46.38M 27.78M 15.13M 6.56M
Change in cash 8.11M 6.75M 6.09M 0.42M 1.99M
Begin period cash flow 65.70M 13.75M 7.66M 7.24M 5.25M
End period cash flow 73.81M 20.50M 13.75M 7.66M 7.24M
Total cash from operating activities -17.99M -54.84M -26.95M -85.32M -51.83M
Issuance of capital stock 0.00M 76.81M 0.00M 0.00M 67.67M
Depreciation 9.17M 5.48M 4.23M 3.38M 2.91M
Other cashflows from investing activities - -6.25M -5.33M - -
Dividends paid 21.39M -13.99M -10.13M 10.06M 8.07M
Change to account receivables -377.68M -5.00M 0.03M - -2.58M
Sale purchase of stock -0.23M 77.90M 0.01M 0.00M 68.07M
Other cashflows from financing activities -1.43M 0.63M -2.00M 113.16M 37.52M
Change to netincome - - - - 52.80M
Capital expenditures 0.33M 6.29M 5.43M 5.27M 2.76M
Change in working capital -402.14M -21.04M -1.95M -20.16M -11.39M
Stock based compensation 3.38M 1.91M 2.01M 1.24M 0.35M
Other non cash items 314.42M -78.57M -51.08M -83.00M -47.03M
Free cash flow -18.32M -61.13M -32.39M -90.59M -54.60M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(CAD)
Price
(CAD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
PRL
Propel Holdings Inc		 3.99
15.05%		 30.50 11.41 5.62 1.47 2.42 1.75
AXP
American Express CDR (CAD Hedged)		 0.62
2.27%		 27.99 20.47 17.95 3.03 6.45 3.93
GSY
goeasy Ltd		 1.76
3.86%		 47.40 - 4.63 1.03 0.61 2.98
ACD
Accord Financial Corp.		 -
-%		 0.71 - 9.34 0.64 0.22 10.57

Profile*

Propel Holdings Inc

Propel Holdings Inc., together with its subsidiaries, operates as a financial technology company. The company's lending platform facilitates to credit products, such as installment loans and lines of credit under the MoneyKey, CreditFresh, Fora Credit, and QuidMarket brands to American consumers. It also offers marketing, analytics, and loan servicing services. The company was formerly known as 2288984 Ontario Inc. and changed its name to Propel Holdings Inc. in June 2021. Propel Holdings Inc. was incorporated in 2011 and is headquartered in Toronto, Canada.

69 Yonge Street, Toronto, ON, Canada

https://www.propelholdings.com

668

Name Title Year Born
Mr. Clive Kinross Co-Founder, CEO & Director 1971
Mr. Gary Edelstein Pres 1973
Dr. Jonathan Ari Goler Co-Founder, EVP & Chief Risk Officer 1981
Mr. Sheldon Saidakovsky Co-Founder, EVP & CFO 1980
Mr. Noah Buchman Co-Founder, Exec. VP & Pres of CreditFresh 1986
Mr. Bradley Sherk VP of Operations & Shared Services 1976
Mr. Jay Vaghela VP & Gen. Counsel 1982
Ms. Sarika Ahluwalia VP & Chief Compliance Officer 1983
Ms. Cindy Usprech VP of People & Culture 1978
Mr. Clive Kinross Co-Founder, CEO & Director 1970

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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