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Propel Holdings (PRL) investor relations material

Propel Holdings Canaccord Genuity’s 45th Annual Growth Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Canaccord Genuity’s 45th Annual Growth Conference summary12 Aug, 2025

Credit cycle and underwriting discipline

  • AI-driven underwriting processes enable rapid, high-quality credit decisions, processing over 80,000 applications daily in under six seconds.

  • Delinquencies among higher-income consumers are rising, prompting banks to tighten underwriting, leading to increased demand from underserved segments.

  • Rejection rates for bank loans have reached multi-year highs, with 57% of applicants with FICO scores below 680 being rejected.

  • Conservative underwriting and a large margin of safety are prioritized to ensure sustainable growth and avoid risk from rapid expansion.

  • Organic growth has reached 40% top line and over 50% bottom line, driven by disciplined underwriting and aggressive business development.

Customer retention, product graduation, and mission

  • Retaining and graduating customers to better products with lower APRs and higher loan amounts reduces costs and improves credit performance.

  • Reporting to credit bureaus helps customers improve their profiles, enabling access to better credit and fostering long-term relationships.

  • The mission is to provide underserved consumers with superior alternatives to payday and pawn loans, supporting their financial journey.

  • Product offerings are continuously upgraded to match customers' evolving credit needs, aiming for indefinite retention until they outgrow the platform.

Expansion, acquisitions, and international growth

  • Recent acquisition of Quid Market in the UK targets a fragmented market with 20 million underserved consumers and aims for over 50% growth in its first year.

  • Infrastructure and automation investments in the UK are expected to drive both top and bottom line growth, with potential for 100% growth by 2026.

  • Acquisition strategy focuses on favorable jurisdictions, accretive deals, and cultural alignment, with a strong emphasis on maintaining company culture.

  • Organic growth is prioritized in the UK, leveraging best practices between regions without immediate need for further acquisitions.

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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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