PROG Holdings, Inc. (PRG) Q4 2025 Earnings Call

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WEBVTT 00:00:02.140 -- 00:00:07.148 good day and thank you for standing by welcome to the prog holdings q4 earnings 00:00:07.148 -- 00:00:11.895 conference call at this time all participants are in a listen only mode after the speaker's 00:00:11.895 -- 00:00:15.781 presentation there will be a question and answer session to ask a question during the 00:00:15.781 -- 00:00:19.928 session you will need to press star 1 1 on your telephone you will then hear an automated 00:00:19.928 -- 00:00:23.954 message advising that your hand is raised to withdraw your question please press star 00:00:23.954 -- 00:00:28.583 1 1 again please be advised that today's conference is being recorded I would now like 00:00:28.583 -- 00:00:32.648 to hand the conference over to your first speaker today, John Ball, Vice President of 00:00:32.648 -- 00:00:36.250 Investor Relations. Please go ahead. 00:00:36.332 -- 00:00:40.377 Thank you, and good morning, everyone. Welcome to the Prague Holdings fourth quarter 00:00:40.377 -- 00:00:45.423 2025 earnings call. Joining me this morning are Steve Michaels, Prague 00:00:45.423 -- 00:00:50.389 Holdings President and Chief Executive Officer, and Brian Garner, our Chief Financial 00:00:50.389 -- 00:00:52.389 Officer. 00:00:52.472 -- 00:00:56.545 Many of you have already seen a copy of our earnings release issued this morning. 00:00:56.545 -- 00:01:01.770 which is available on our investor relations website, investor.progholdings.com. 00:01:03.836 -- 00:01:08.142 During this call, certain statements we make will be forward looking, including comments 00:01:08.142 -- 00:01:13.290 regarding our 2026 full year outlook and our outlook for the first quarter 00:01:13.290 -- 00:01:15.350 of 2026. 00:01:15.934 -- 00:01:20.561 Listeners are cautioned not to place ...