PROG Holdings, Inc. (PRG) Q2 2025 Earnings Call

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WEBVTT 00:00:01.347 -- 00:00:06.313 Standing by, welcome to the Prague Holdings Q2 2025 00:00:06.313 -- 00:00:12.339 Earnings Conference Call. At this time, all participants are in a listen-only mode. 00:00:12.339 -- 00:00:16.925 After the speaker's presentation, there will be a question and answer session. 00:00:16.925 -- 00:00:22.391 To ask a question during the session, you will need to press star 1 1 on your telephone. 00:00:22.391 -- 00:00:26.536 You will then hear an automated message advising your hand is raised. 00:00:26.536 -- 00:00:30.457 To withdraw your question, please press star 1 1 again. 00:00:30.457 -- 00:00:34.721 please be advised that today's conference is being recorded. 00:00:34.721 -- 00:00:39.445 I would now like to hand the conference over to your speaker today, John Baugh, Vice 00:00:39.445 -- 00:00:43.187 President, Investor Relations. Please go ahead. 00:00:43.329 -- 00:00:48.313 Thank you, and good morning, everyone. Welcome to the Prague Holdings second quarter 00:00:48.313 -- 00:00:51.356 2025 earnings call. 00:00:51.356 -- 00:00:55.760 Joining me this morning are Steve Michaels, Prague Holdings President and Chief Executive 00:00:55.760 -- 00:01:00.663 Officer, and Brian Garner, our Chief Financial Officer. 00:01:00.663 -- 00:01:05.469 Many of you have already seen a copy of our earnings release issued this morning, which 00:01:05.469 -- 00:01:10.933 is available on our investor relations website, investor.progholdings.com. 00:01:14.480 -- 00:01:19.385 During this call, certain statements we make will be forward looking, including comments 00:01:19.385 -- 00:01:24.491 regarding our revised 2025 full year outlook and our guidance 00:01:24.491 -- 00:01:27.435 for the third quarter of 2025, the 00:01:27.435 -- 00:01:33.559 health of our l...