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Propel Holdings (PRL) investor relations material
Propel Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved record Q3 2025 revenue of $152.1M (up 30% YoY) and year-to-date revenue of $434.0M (up 35% YoY).
Net income rose 43% to $15M in Q3 and 54% to $53.6M year-to-date, both record performances.
Adjusted net income increased 16% YoY to $16.2M; adjusted EPS was $0.38 for the quarter.
Board approved an 8% dividend increase to CAD 0.84 per share, marking the ninth consecutive raise.
Maintained disciplined risk management and underwriting amid macroeconomic uncertainty.
Financial highlights
Ending CDAP/CLAB reached a record $558M, up 29% YoY; Loans and Advances Receivable rose 31% to $434.8M.
Annualized revenue yield was 113%, slightly down from 114% last year.
Provision for loan losses and other liabilities was 52% of revenue, consistent with last year.
Adjusted net income margin was 11% in Q3, compared to 12% last year.
Diluted EPS rose 26% to $0.36 in Q3 2025; adjusted diluted EPS increased 2% to $0.38.
Outlook and guidance
Fiscal 2025 targets for revenue, net income margin, and ROE remain unchanged.
Adjusted guidance: Ending CLAB growth rate of 18–22%, adjusted EBITDA margin of 23–25%, adjusted net income margin of 11.75–12.5%, and adjusted ROE of 29%+.
Still expect to meet full-year targets for revenue, net income margin, and ROE.
U.K. top-line growth expected to exceed 50% in 2025, with acceleration into 2026.
Anticipate robust business development pipeline and strategic initiatives to drive growth into 2026.
Rationale for dividend increase given ROE decline?
Impact of lower revenue yield on future profitability?
Duration of cautious operating posture?
Detail 2026 growth drivers and recovery pace
Quantify AI's impact on efficiency and margins
U.K. market competitive landscape and growth plan
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Next Propel Holdings earnings date
Q4 202513 Mar, 2026
Next Propel Holdings earnings date
Q4 202513 Mar, 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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