PROG Holdings, Inc. (PRG) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.038 and thank you for standing by. Welcome to the Brock Holdings Third Quarter Earnings 00:00:05.038 -- 00:00:09.725 Conference Call. At this time, all participants are on a listen-only mode. 00:00:09.725 -- 00:00:12.569 After the speaker's presentation, there will be a question and answer session. 00:00:12.569 -- 00:00:18.096 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:18.096 -- 00:00:21.601 You will then hear an automated message advising your hand is raised. 00:00:21.601 -- 00:00:25.006 To withdraw your question, please press star 1-1 again. 00:00:25.006 -- 00:00:27.209 Please note that today's conference is being recorded. 00:00:27.209 -- 00:00:31.589 I will now hand the conference over to your speaker host, John Bump, Vice President of 00:00:31.589 -- 00:00:35.131 Investor Relations. Please go ahead. 00:00:35.194 -- 00:00:39.781 Thank you and good morning, everyone. Welcome to the Prague Holdings Third Quarter 2025 00:00:39.781 -- 00:00:45.289 Earnings Call. Joining me this morning are Steve Michaels, Prague Holdings President 00:00:45.289 -- 00:00:51.358 and Chief Executive Officer, and Brian Garner, our Chief Financial Officer. 00:00:51.358 -- 00:00:55.702 Many of you have already seen a copy of our earnings release issued this morning. 00:00:55.702 -- 00:01:00.966 which is available on our investor relations website, investor.progholdings.com. 00:01:03.231 -- 00:01:07.916 During this call, certain statements we make will be forward-looking, including comments 00:01:07.916 -- 00:01:12.922 regarding our revised 2025 full-year outlook and our guidance 00:01:12.922 -- 00:01:18.408 for the fourth quarter of 2025, the health of our lease portfolio and our capital allocation 00:01:18....