First rental in California (OTCMKTS: CFNB – Get a rating) and PROG (New York Stock Exchange: PRG – Get a rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on valuation strength, risk, dividends, analyst recommendations, earnings, institutional ownership and profitability.
Benefits and evaluation
This table compares revenue, earnings per share and valuation of California First Leasing and PROG.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| California First Leasing | $51.10 million | N / A | $36.23 million | N / A | N / A |
| PROGRAM | $2.68 billion | 0.42 | $243.56 million | $2.31 | 8.97 |
PROG has higher revenues and profits than California First Leasing.
Risk and Volatility
California First Leasing has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500. Comparatively, PROG has a beta of 2.01, indicating that its stock price is 101% more volatile than the S&P 500.
Analyst Notes
This is a summary of recent California First Leasing and PROG ratings, as provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| California First Leasing | 0 | 0 | 0 | 0 | N / A |
| PROGRAM | 0 | 2 | 1 | 0 | 2.33 |
PROG has a consensus price target of $33.00, indicating a potential upside of 59.19%. Given the higher possible upside of PROG, analysts clearly believe that PROG is more favorable than California First Leasing.
Insider and Institutional Ownership
95.5% of PROG shares are held by institutional investors. 78.5% of California First Leasing’s stock is held by insiders of the company. By comparison, 1.2% of PROG’s shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares the net margins, return on equity, and return on assets of California First Leasing and PROG.
| Net margins | Return on equity | return on assets | |
| California First Leasing | N / A | 13.23% | 12.48% |
| PROGRAM | 5.34% | 22.35% | 10.74% |
Summary
PROG beats California First Leasing on 8 out of 10 factors compared between the two stocks.
About California First Leasing
California First Leasing Corporation provides loans and lease financing to universities, businesses, and other commercial or nonprofit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.
About PROG
PROG Holdings, Inc. (NYSE:PRG) is a Salt Lake City, Utah-based fintech holding company with three business segments: Progressive Leasing, which provides lease-to-own transactions primarily to consumers in credit difficulty via e-commerce and point-of-sale merchant partners, via online, mobile and in-store solutions; Vive Financial, which offers consumers who may not qualify for traditional prime loans a variety of second-look revolving credit products through private label and branded credit cards; and Four Technologies, which offers consumers of all credit backgrounds Buy Now, Pay Later (BNPL) options via four interest-free installments through its platform, Four.
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