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Propel Holdings
Propel Holdings (PRL) investor relations material
Propel Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Mar, 2026
Executive summary
Achieved record originations funded of $774 million in 2025, up 32% year-over-year, and record revenue of $590 million, up 31% from 2024, with record Total Originations Funded and Ending CLAB for both periods.
Net income rose 28% to $59.5 million for FY2025, though Q4 net income decreased 49% year-over-year to $5.9 million.
Adjusted EBITDA for FY2025 was $130.3 million, up 7% year-over-year, while Q4 adjusted EBITDA fell 32% to $21.6 million.
Q4 profitability was impacted by higher credit costs, upfront provisioning, and increased acquisition spend due to late-quarter origination acceleration.
Strategic initiatives included the launch of Propel Bank and a partnership with Column to expand product offerings and geographic reach.
Financial highlights
Q4 2025 revenue was $155.8 million, up 21% year-over-year; FY2025 revenue was $589.8 million, up 31% year-over-year.
Q4 2025 originations funded reached $221 million, up 26% year-over-year; ending CLAB at $590 million, up 23%.
Q4 2025 adjusted net income was $8 million ($0.19 per diluted share); full-year adjusted net income was $66.7 million.
Provision for loan losses was 56% of revenue in Q4 2025; net charge-offs were 14% of average CLAB.
Annualized adjusted ROE was 12% in Q4 and 27% for the full year.
Outlook and guidance
2026 targets: ending CLAB growth of 18%-24%, revenue of $725-$775 million, adjusted EBITDA of $152.5-$177.5 million.
Net income target range of $70-$90 million and adjusted net income of $80-$100 million, representing 34% and 35% growth over 2025 midpoints.
Targeting ROE of 24%+ and adjusted ROE of 28%+.
Expect Lending-as-a-Service to deliver triple-digit growth and approach 10% of total revenue by Q4 2026.
Guidance based on scaling core businesses, UK growth, new programs (Column, Propel Bank), and AI investments.
Quantify Q4 profitability impact from strategic investments
Expected revenue contribution from Freshline in 2026?
What metrics confirm Q4 was peak provisioning?
Propel Bank strategic role and product roadmap
December origination impact on Q4 provisioning
2026 Lending-as-a-Service revenue targets
Partial view of Summaries dataset, powered by Quartr API
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Next Propel Holdings earnings date
Q1 20266 May, 2026
Propel Holdings
Next Propel Holdings earnings date
Q1 20266 May, 2026
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Frequently asked questions
Propel Holdings Inc. is a fintech company that specializes in providing access to credit for underserved consumers. The company operates through its brands Fora Credit, CreditFresh, and MoneyKey, along with a Lending-as-a-Service product line. The company is headquartered in Toronto, Ontario, and its shares are listed on the Toronto Stock Exchange.
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