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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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PROG (PRG) investor relations material
PROG Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Q2 2025 consolidated revenue grew 2.1% to $604.7M, with net earnings of $38.5M and adjusted EBITDA of $73.5M.
Non-GAAP EPS reached $1.02, up 10.9% year-over-year; diluted EPS was $0.95.
Four Technologies GMV grew 166.5%–200% year-over-year, achieving profitability for the second consecutive quarter.
Progressive Leasing GMV declined 8.9% due to a major partner bankruptcy and tighter credit, but e-commerce GMV hit a record 21% of total.
Technology investments, including AI-powered tools, are driving efficiency and customer engagement.
Financial highlights
Lease revenues and fees were flat at $569.7M; interest and fees on loans receivable grew 61.6% to $35.0M.
Adjusted EBITDA margin for Q2 was 12.2%; net earnings rose 13.9% to $38.5M.
Cash and cash equivalents stood at $222.0M; gross debt at $600M; net leverage ratio at 1.38x.
Cash flow from operations for the first half of 2025 was $279.8M, up $88.7M year-over-year.
Six-month net earnings were $73.2M on revenues of $1.29B.
Outlook and guidance
Full-year 2025 revenue guidance raised to $2.45B–$2.5B; net earnings outlook $120M–$125M; adjusted EBITDA $255M–$265M.
Non-GAAP EPS guidance increased to $3.20–$3.35; diluted EPS to $2.91–$3.06.
Q3 2025 revenue outlook is $580M–$595M, with adjusted EBITDA of $57M–$62M.
Guidance assumes continued soft demand for consumer durables and stable credit decisioning.
Approval rate headwinds expected to ease in 2025, with full lap of tightening actions by Q1 2026.
How did Progressive Leasing GMV change?
Assess Four Technologies' value to PROG.
What is the revised 2025 revenue outlook?
Explain Four's path to profitability.
Detail the impact of Big Lots bankruptcy.
Discuss AI's role in customer engagement.
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Next PROG earnings date
Q3 202522 Oct, 2025
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Eferix Drawings Google Play
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Frequently asked questions
PROG Holdings, Inc. operates as an omnichannel provider of lease-purchase solutions to underserved and credit-challenged customers. The company offers home furnishings and appliances, mattresses and accessories, electronics, and lawn and garden products through lease-purchase agreements under the Progressive Leasing name. As of February 26, 2020, it operated approximately 18 offices in the United States. The company was founded in 1955 and is headquartered in Draper, Utah.
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