PROG Holdings, Inc. (PRG) Q4 2022 Earnings Call Transcript

PROG Holdings, Inc. (NYSE:PRG) This fall 2022 Earnings Convention Name February 22, 2023 8:30 AM ET

Firm Members

John Baugh – Vice President, Investor Relations

Steve Michaels – President and Chief Govt Officer

Brian Garner – Chief Monetary Officer

Convention Name Members

Brad Thomas – KeyBanc

Anthony Chukumba – Loop Capital

Jason Haas – Financial institution of America

Alessandra Jimenez – Raymond James

Hal Goestch – Loop Capital

Vincent Caintic – Stephens


Good day, and thanks for standing by. Welcome to the PROG Holdings Fourth Quarter Earnings Convention Name. At the moment, all contributors are in a listen-only mode. [Operator Instructions] Please be suggested that right this moment’s convention is being recorded.

I’d now like handy the convention over to your speaker right this moment, John Baugh, Vice President, Investor Relations. Please go forward.

John Baugh

Thanks, and good morning everybody. Welcome to the PROG Holdings fourth quarter 2022 earnings name. Becoming a member of me this morning are Steve Michaels, PROG Holdings’ President and Chief Govt Officer; and Brian Garner, our Chief Monetary Officer. Lots of you will have already seen a replica of our earnings launch issued this morning, which is accessible on our investor relations web site,

Throughout this name, sure statements we make will likely be forward-looking, together with feedback concerning our expectations associated to the advantages we anticipate from the three pillars of our technique, our lease portfolio efficiency in 2023, together with with respect to delinquencies and write-offs, our GMV for 2023, and our outlook for the 2023 full-year and first quarter.

I wish to name your consideration to our Secure Harbor provision for forward-looking statements that may be discovered on the finish of the earnings press launch that we issued earlier this morning. That Secure Harbor provision identifies dangers which will trigger precise outcomes to vary materially from the expectations mentioned in

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