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Q4 2021 PROG Holdings Inc Earnings Call Transcript
Good morning and welcome to PROG Holdings Inc.'s Fourth Quarter and Fiscal Year 2021 Financial Results Conference Call. (Operator Instructions) Please note this event is being recorded.
I would now like to turn the conference over to John Baugh, Vice President of Investor Relations. Mr. Baugh, please go ahead.
Thank you, and good morning, everyone. Welcome to the PROG Holdings fourth quarter and year-end 2021 earnings call. Joining me this morning are Steve Michaels, PROG Holdings' President and Chief Executive Officer; and Brian Garner, our Chief Financial Officer.
Many of you have already seen a copy of our earnings release issued this morning, which is available on our Investor Relations website investor.progholdings.com.
During this call, certain statements we make will be forward-looking, including comments regarding our expectations related to Progressive Leasing's GMV and customer payment trends for 2022, including levels of payment delinquencies in write-offs, our capital
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