Propel Holdings Inc (OTCPK:PRLPF)

Q4 2025 Propel Holdings Inc Earnings Call Transcript

Mar 3, 2026 / 01:30 PM GMT

Release Date Price: $13.8 (-10.07%)

Transcript

Key Points

Positve

Propel Holdings Inc (PRLPF) achieved record total originations funded of $774 million in 2025, up 32% year over year.
The company reported record revenue of $590 million, a 31% increase from the previous year.
Propel Holdings Inc (PRLPF) saw a 28% increase in net income to $59.5 million for the full year 2025.
The UK business exceeded expectations with over 50% revenue growth in 2025, reflecting strong demand and disciplined underwriting.
The launch of Propel Bank and the Fresh Line initiative are expected to drive significant growth and expansion in 2026.

Negative

Profitability was pressured due to upfront provisioning and incremental acquisition spend, impacting short-term financial results.
The company experienced credit softness in Q3 and early Q4, influenced by macroeconomic factors such as the US government shutdown.
Provision for loan losses and other liabilities was 56% of revenue, reflecting credit dynamics and higher charge-offs from earlier vintages.
Acquisition and data expenses increased by 48% to $23.2 million in Q4, reflecting higher costs per funded origination.
The annualized revenue yield decreased to 109% in Q4 from 113% last year, primarily due to the timing impact of stronger originations late in the quarter.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PRL.TO - Propel Holdings Inc
Q4 2025 Propel Holdings Inc Earnings Call
Mar 03, 2026 / 01:30PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning everyone. Welcome to the Propel Holdings fourth quarter and year-end 2025 financial results conference call. As a reminder, this conference call has been recorded on March 3, 2026. At this time, all participants are in listen-only mode. Following the presentation, we will conduct a question-and-answer session. Instructions will be provided at that time for research analysts to queue up for questions.

I will now turn the call over to Devin Gilani, Propel's Vice President, Capital Markets and Investor relations. Please go ahead, Devin.

--------------------------------------------------------------------------------
Unidentified_2 [2]
------------------------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.