Prog Holdings Inc. (AZD)
XFRA 
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PROG Holdings, Inc. (PRG) M&A Call Transcript
PROG Holdings, Inc. (PRG) M&A Call Transcript
PROG: Buy Now, Pay Later Segment May Power P/E Rerate.
PROG Holdings, Inc. (PRG) is positioned for a potential P/E rerating as their Buy Now, Pay Later business gains investor attention. Management has $150 million of excess cash from the divestiture of Vive Financial in Q3 2025. PROG repurchases ~1% of outstanding shares every quarter which provides strong downside protection and predictable EPS growth.
PROG Holdings, Inc. (PRG) Q3 2025 Earnings Call Transcript
PROG Holdings, Inc. (NYSE:PRG ) Q3 2025 Earnings Call October 22, 2025 8:30 AM EDT Company Participants John Baugh - Vice President of Investor Relations Steven Michaels - CEO, President & Director Brian Garner - Chief Financial Officer Conference Call Participants Kyle Joseph - Stephens Inc., Research Division Robert Griffin - Raymond James & Associates, Inc., Research Division Anthony Chukumba - Loop Capital Markets LLC, Research Division Hoang Nguyen - TD Cowen, Research Division Bradley Thomas - KeyBanc Capital Markets Inc., Research Division John Hecht - Jefferies LLC, Research Division Vincent Caintic - BTIG, LLC, Research Division Presentation Operator Good day, and thank you for standing by. Welcome to the PROG Holdings Third Quarter Earnings Conference Call.
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Prog Holdings Inc. Profile
| Technology Hardware, Storage & Peripherals Industry | Information Technology Sector | Steven A. Michaels CEO | XFRA Exchange | US74319R1014 ISIN |
| US Country | 1,403 Employees | 18 Nov 2025 Last Dividend | 16 Apr 2010 Last Split | 7 Sep 1984 IPO Date |
Overview
PROG Holdings, Inc. is a pioneering financial technology holding company, offering diverse payment solutions to consumers. The company operates through three main segments: Progressive Leasing, Vive, and Four. Initially known as Aaron's Holdings Company, Inc., it underwent a rebranding to PROG Holdings, Inc. in December 2020. Founded in 1955, PROG Holdings has its headquarters in Draper, Utah. The company's transition to the brand PROG Holdings, Inc. marks a significant phase in its journey, emphasizing its commitment to providing innovative financial solutions.
Products and Services
PROG Holdings, Inc. delivers a variety of financial services designed to enhance consumer access to products and credit. These services are categorized into significant offerings:
- Progressive Leasing: This segment offers in-store, app-based, and e-commerce solutions for lease-to-own options. Progressive Leasing facilitates access to products for customers who prefer or require alternate payment methods to traditional credit purchases. By incorporating both physical and digital shopping experiences, it aims to provide flexible leasing options across a wide range of retail categories.
- Vive Financial: Known as an omnichannel provider, Vive Financial focuses on second-look revolving credit products. This service targets consumers who are seeking alternative financing solutions, particularly those who may not qualify for traditional credit offerings. Vive Financial extends the opportunity for these consumers to access credit, enhancing their ability to purchase goods and services.
- Four: This offering emphasizes the popular buy now pay later (BNPL) model, allowing consumers to split their purchases into four interest-free installments. The service is designed to provide a straightforward, manageable payment option without the added burden of interest, thereby increasing the affordability of purchases.
- Build: A financial management tool aimed at credit building. Build is designed to assist consumers in improving their credit scores through responsible financial behavior. This tool underscores the company's commitment to not just offer immediate financial solutions but also to contribute towards the long-term financial health of its customers.
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