Universal vs PROG
Universal (Universal Corporation) and PROG (PROG Holdings, Inc.) are examined to show how each company operates. This page compares business models, financial performance, and market context, using neutral, accessible language to help readers understand differing approaches and industry positions. Educational content, not financial advice.
Universal (Universal Corporation) and PROG (PROG Holdings, Inc.) are examined to show how each company operates. This page compares business models, financial performance, and market context, using ne...
Investment Analysis
Universal
UVV
Pros
- Universal Corporation has a solid revenue base with $2.95 billion in 2024, reflecting a 7.23% increase from the prior year.
- It offers a strong dividend yield of 6.14%, providing income to shareholders.
- The company maintains a conservative balance sheet with a current ratio of 2.87 and a quick ratio of 1.19, indicating good short-term liquidity.
Considerations
- Universal's net income declined by 20.53% in 2024 to $95.05 million despite revenue growth.
- The business is highly exposed to the cyclical tobacco industry and regulatory risks associated with tobacco products.
- Profitability metrics such as return on assets (3.87%) and return on equity (8.10%) are moderate, suggesting limited operational efficiency.
PROG
PRG
Pros
- PROG Holdings operates in the vehicle finance sector, which can benefit from rising used vehicle demand and leasing trends.
- Recent strategies include expanding digital lending platforms to improve customer acquisition and operational efficiency.
- PROG has shown resilience with consistent revenue generation and adapting underwriting practices to credit market conditions.
Considerations
- PROG’s loan portfolio is sensitive to economic downturns and credit losses, posing heightened risk in recessionary environments.
- The company faces regulatory scrutiny and competition from larger financial institutions and fintech lenders.
- Volatility in used car prices and inflationary pressures can impact PROG’s earnings and loan loss provisions.
Which Baskets Do They Appear In?
U.S. Agribusiness: Could Trade Tensions Boost Profits?
Recent U.S. threats to restrict cooking oil imports from China have caused shares of agribusiness leaders Bunge and ADM to soar. This theme focuses on U.S. companies poised to gain market share and pricing power as trade tensions create a more favorable domestic production environment.
Published: October 16, 2025
Explore BasketEU Tariff Cuts: Which US Companies May Benefit?
A new trade agreement between the U.S. and the European Union reduces tariffs, creating new opportunities for American exporters. This theme focuses on U.S. industrial, agricultural, and seafood companies poised to benefit from increased access to European markets.
Published: August 22, 2025
Explore BasketChina's Coffee Shake-Up
A carefully selected group of stocks poised to benefit as Starbucks considers selling a stake in its Chinese operations. This collection spans local competitors, beverage giants, and supply chain players all strategically positioned to capitalize on this major market shift.
Published: July 11, 2025
Explore BasketWhich Baskets Do They Appear In?
U.S. Agribusiness: Could Trade Tensions Boost Profits?
Recent U.S. threats to restrict cooking oil imports from China have caused shares of agribusiness leaders Bunge and ADM to soar. This theme focuses on U.S. companies poised to gain market share and pricing power as trade tensions create a more favorable domestic production environment.
Published: October 16, 2025
Explore BasketEU Tariff Cuts: Which US Companies May Benefit?
A new trade agreement between the U.S. and the European Union reduces tariffs, creating new opportunities for American exporters. This theme focuses on U.S. industrial, agricultural, and seafood companies poised to benefit from increased access to European markets.
Published: August 22, 2025
Explore BasketChina's Coffee Shake-Up
A carefully selected group of stocks poised to benefit as Starbucks considers selling a stake in its Chinese operations. This collection spans local competitors, beverage giants, and supply chain players all strategically positioned to capitalize on this major market shift.
Published: July 11, 2025
Explore BasketPantry Stocks
These agricultural powerhouses are the backbone of our global food system, producing and distributing the staples that fill pantries worldwide. Hand-selected by our analysts, these companies offer stability through persistent demand and long-term growth potential as the global population expands.
Published: June 17, 2025
Explore BasketCentury Club
These companies have stood the test of time for over 100 years. Carefully selected by our analysts, this collection showcases businesses with proven resilience, established market positions, and the ability to deliver returns across multiple economic cycles.
Published: June 17, 2025
Explore BasketSin Stocks
This carefully selected group of stocks represents leading companies in alcohol, tobacco, and gaming industries. These companies tend to perform steadily regardless of economic conditions, making them valuable additions to your portfolio during uncertain times.
Published: June 17, 2025
Explore BasketBuy UVV or PRG in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
Universal vs Dole
Universal vs Dole: A stock comparison
Universal vs Edgewell
Universal vs Edgewell: business comparison
Dole vs PROG
Dole plc vs PROG Holdings, Inc.