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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Propel Holdings
Propel Holdings (PRL) investor relations material
Propel Holdings Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Record Q3 revenue of $201.5M, adjusted EBITDA of $44.8M, adjusted net income of $24.9M, originations of $260.7M and ending CLAB of $690.5M.
Revenue grew 32% YoY; net income rose 23% to $18.4M and adjusted net income increased 54%.
Growth broadened across LaaS, the U.K. and MoneyKey Bank Service Program, supported by consumer demand, disciplined underwriting and technology-driven efficiencies.
Financial highlights
Revenue rose 32% YoY to $201.5M; funded originations increased 27% to $260.7M and ending CLAB grew 24% to $690.5M.
Net income increased 23% to $18.4M; diluted EPS was $0.43, while adjusted diluted EPS rose 53% to a record $0.59.
Adjusted EBITDA reached a record $44.8M, up 39% YoY; its margin was 22% versus 21%.
Loans and advances receivable rose 22% YoY to a record $529.0M; operating income was $36.6M versus $31.6M.
Outlook and guidance
2026 ending CLAB growth is tracking near the high end of the 18%–24% guidance range; guidance remains unchanged.
LaaS is expected to approach, but not reach, 10% of quarterly revenue in Q4, with triple-digit YoY growth expected to continue.
Q4 revenue yield is expected to ease from Q3's 121%; normalized yield is projected at 116%–120% heading into 2027.
2027 priorities include expanding products, partnerships and geographies, scaling LaaS, advancing AI and pursuing sustainable, profitable growth.
2026 U.K. revenue is expected to exceed its trailing-12-month level of ~$70M; investments are expected to support record 2026 U.K. profitability and faster bottom-line growth in 2027.
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Latest events from Propel Holdings
- AI-driven underwriting and geographic expansion fuel rapid, profitable growth across products.PRL
Canaccord Genuity's 46th Annual Growth Conference - Record revenue, margin expansion, and a 6% dividend increase driven by Lending-as-a-Service and UK growth.PRLQ2 2026
- Record year with $590M revenue, new initiatives, and all board nominees elected.PRLAGM 2026
- Record Q1 2026 revenue and loan growth drive higher dividend and continued expansion.PRLQ1 2026
- Record growth in 2025 sets up robust 2026 outlook with expanding Lending-as-a-Service and banking initiatives.PRLQ4 2025
- Record Q2 revenue and net income growth, 8% dividend increase, and robust credit performance.PRLQ2 2025
- Record Q2: revenue up 49%, net income up 95%, and dividend increased again.PRLQ2 2024
- Record revenue, board re-elections, and incentive plan approval highlight the meeting.PRLAGM 2024
- Record revenue and profit growth in 2024, with strong 2025 guidance and expanding global reach.PRLQ4 2024
Next Propel Holdings earnings date
Q4 20262 Mar, 2027
Propel Holdings
Next Propel Holdings earnings date
Q4 20262 Mar, 2027
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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.