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PROG Holdings PRG Q4 2025 Annual earnings

Reported February 18, 2026 · Before market open

Revenue$574.6MMiss by $9.4M
EPS$0.74Beat by $0.14
Revenue estimate$584.0M
EPS estimate$0.60

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$745.0M
EPS estimate$1.09

Financials

Q4 2025

Income statement

See full
Revenue$525.4M-6.0%
Operating income$36.2M-27.6%
Net income$40.5M-29.7%
EPS (diluted)$0.99-26.1%

Balance sheet

See full
Cash & equivalents$308.8M+223%
Total debt$602.1M-8.1%
Total equity$746.4M+14.8%
Total assets$1.6B+6.4%

Cash flow

See full
CapEx$2.6M+13.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.17B-33.6%
Enterprise value$1.46B-36.9%
P/E7.9×-1.0×
P/S0.5×-0.2×

Profitability

See full
Operating margin8.6%+0.5pp
Net margin6.1%-2.1pp

Returns & leverage

See full
Return on equity21%-10.8pp
Debt / equity0.8×-0.2×

Segments

By segment

See full
Progressive Leasing$544.9M—

By product

See full
Other Revenues$21.6M—

Versus estimates

Revenue

Q2 2026$719.7MBeat by $6.2MQ1 2026$742.7MBeat by $10.0M
Q4 2025$574.6MMiss by $9.4M
Q3 2025$595.1MBeat by $13.3MQ2 2025$604.7MBeat by $16.6MQ1 2025$684.1MBeat by $78.5M

Diluted EPS

Q2 2026$1.19Beat by $0.24Q1 2026$1.24Beat by $0.46
Q4 2025$0.74Beat by $0.14
Q3 2025$0.90Beat by $0.17Q2 2025$1.02Beat by $0.23Q1 2025$0.90Beat by $0.08

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Questions, answered.

When did PROG Holdings report Q4 2025 earnings?
PROG Holdings (PRG) reported Q4 2025 earnings on February 18, 2026 before market open.
What were PROG Holdings's Q4 2025 revenue and EPS?
PROG Holdings reported revenue of $574.6M and eps of $0.74 for Q4 2025.
Did PROG Holdings beat estimates in Q4 2025?
Revenue missed the consensus estimate of $584.0M by $9.4M. EPS beat the consensus estimate of $0.60 by $0.14.
How did PROG Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 7.8% from $623.3M a year earlier and eps declined 7.5% from $0.80.
Where can I find PROG Holdings's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001808834-26-000011) and the 10-K periodic report (0001808834-26-000012) directly on SEC EDGAR. The filing index links above go to sec.gov.