Description of Prog Holdings Inc's Business Segments

Prog Holdings Inc. is a prominent player in the financial services industry, primarily focusing on facilitating access to goods and services through flexible financing options. Its operations are structured into two primary segments: Progressive Leasing and Vive Financial, each offering a diverse array of products and services tailored to meet the finance management needs of its customers.

Progressive Leasing (PL)

Progressive Leasing specializes in providing lease-to-own financing solutions across a broad spectrum of consumer products. This segment enables customers to acquire essential goods without the immediate burden of full payment, spreading the cost over a predetermined lease period. The versatility in retail distribution channels enhances accessibility, as Progressive Leasing services can be availed through e-commerce, omni-channel platforms, in-store locations, and mobile applications. The product categories under this segment include:

1. Furniture:
- Progressive Leasing provides financing options for a wide variety of household furniture items. This includes essential pieces such as beds, sofas, recliners, dining tables, and chairs, catering to diverse interior design preferences. The program allows customers to furnish their homes without the substantial upfront costs typically associated with purchasing.

2. Electronics:
- The segment extends its financing capabilities to consumer electronics, including but not limited to laptops, desktop computers, televisions, audio systems, gaming consoles, and smart home devices. This enables customers to stay updated with the latest technology while paying in manageable installments.

3. Appliances:
- Progressive Leasing also covers major home appliances, thus allowing consumers to obtain necessary items such as refrigerators, washing machines, dishwashers, dryers, and HVAC units. This sector is particularly important as these products are vital for daily living and often require significant investments.

4. Other Goods:
- In addition to the aforementioned categories, the financing solutions extend to a variety of other consumer goods, including musical instruments, bicycles, exercise equipment, and seasonal items. This diverse range ensures that more customers can find leasing options that meet their specific needs and lifestyles.

Vive Financial (VF)

Vive Financial serves as the other cornerstone of Prog Holdings Inc. focusing primarily on financing solutions related to vehicle purchases. The products and services within this segment are designed to enable customers to readily acquire motorized vehicles with ease:

1. Indirect Auto Financing:
- Vive Financial offers indirect financing for a multitude of vehicle types, including motorcycles, all-terrain vehicles (ATVs), boats, and trailers. This financing is facilitated through partnerships with dealerships across the United States, streamlining the vehicle purchasing process for consumers. By providing tailored financing solutions, Vive Financial makes it feasible for customers to opt for recreational vehicles and other motorized access with flexible payment structures.

2. Personal Loans:
- In addition to vehicle financing, Vive Financial also offers personal loans which can be used for a variety of purposes, including buying items that may not fall under the conventional categories offered by Progressive Leasing. These loans can assist customers in financing larger purchases, consolidating existing debts, or even tackling unforeseen expenses. The personal loan products are designed to be user-friendly, allowing for quicker applications and flexible repayment terms.

3. Leisure and Powersports Financing:
- A unique aspect of Vive Financial’s portfolio is its focus on leisure products, including financing options for powersports vehicles. This caters to a niche market of enthusiasts looking for recreational and lifestyle enhancements.

Conclusion

Through its two primary segments, Prog Holdings Inc. strategically positions itself as a facilitator of consumer access to a wide array of products and services through innovative financing solutions. By enabling customers to manage their purchases effectively, Prog Holdings Inc. showcases its commitment to enhancing financial accessibility and empowering individuals in their purchasing decisions across furniture, electronics, appliances, and vehicles. The combination of lease-to-own options and tailored financing products reflects the company’s understanding of consumer needs and the evolving landscape of financial services.

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Composition of Prog Holdings Inc Revenues by Segments


Product and service revenues	14.33 %	of total Revenue
Other revenue	5.31 %	of total Revenue
Purchasing Power Product sales	13.54 %	of total Revenue
Purchasing Power Service revenue	0.79 %	of total Revenue
Four	4.71 %	of total Revenue
Four Other revenue	1.42 %	of total Revenue
Lease revenues and fees	80.37 %	of total Revenue
Progressive Leasing	80.37 %	of total Revenue
Purchasing Power	14.43 %	of total Revenue
Lease revenues and fees Progressive Leasing	80.37 %	of total Revenue
Product and service revenues Purchasing Power	14.33 %	of total Revenue
Other revenue Purchasing Power	0.1 %	of total Revenue
Other revenue Four	4.71 %	of total Revenue
Other	0.5 %	of total Revenue
Other Other revenue	0.5 %	of total Revenue

Q1 three months ended (Mar 31 2026)
Revenues by Business Segments	Revenues (in millions $)	% (of total Revenues)
Product and service revenues	106.41	14.33 %
Other revenue	39.40	5.31 %
Purchasing Power Product sales	100.57	13.54 %
Purchasing Power Service revenue	5.84	0.79 %
Four	34.97	4.71 %
Four Other revenue	10.52	1.42 %
Lease revenues and fees	596.86	80.37 %
Progressive Leasing	596.86	80.37 %
Purchasing Power	107.14	14.43 %
Lease revenues and fees Progressive Leasing	596.86	80.37 %
Product and service revenues Purchasing Power	106.41	14.33 %
Other revenue Purchasing Power	0.73	0.1 %
Other revenue Four	34.97	4.71 %
Other	3.71	0.5 %
Other Other revenue	3.71	0.5 %
Total	742.67	100 %

Q1 three months ended (Mar 31 2026)
Revenue Growth rates by Segment	Y/Y Revenue %	Q/Q Revenue %
Product and service revenues	-	-
Other revenue	133.56 %	-
Purchasing Power Product sales	-	-
Purchasing Power Service revenue	-	-
Four	142.34 %	-
Four Other revenue	183.36 %	-
Lease revenues and fees	-	-
Progressive Leasing	-8.39 %	-
Purchasing Power	-	-
Lease revenues and fees Progressive Leasing	-	-
Product and service revenues Purchasing Power	-	-
Other revenue Purchasing Power	-	-
Other revenue Four	142.34 %	-
Other	51.84 %	-
Other Other revenue	51.84 %	-
Total	8.56 %	-

Q1 three months ended (Mar 31 2026)
Income by Business Segments	Income (in millions $)	% (Profit Margin)
Total	36.05	4.85 %

Q1 three months ended (Mar 31 2026)
Income Growth rates by Segment	Y/Y Income %	Q/Q Income %
Total	3.85 %	-

Annual Report on Prog Holdings Inc Divisions, Sales by Country


Four	3.06 %	of total Revenue
Progressive Leasing	96.41 %	of total Revenue
Other	0.53 %	of total Revenue
Lease Revenues and Fees	96.41 %	of total Revenue
Lease Revenues and Fees Progressive Leasing	96.41 %	of total Revenue
Other Revenues Four	3.06 %	of total Revenue
Other Other	0.53 %	of total Revenue

Twelve months ended 2025
PRG s Annual Revenue by Geography and Business Segments	Sales (in millions $)	% (of total Sales)
Four	73.72	3.06 %
Progressive Leasing	2,322.75	96.41 %
Other	12.75	0.53 %
Total	2,409.22	100 %
Lease Revenues and Fees	2,322.75	96.41 %
Lease Revenues and Fees Progressive Leasing	2,322.75	96.41 %
Other Revenues Four	73.72	3.06 %
Other Other	12.75	0.53 %

Twelve months ended 2025
PRG s Annual Income by Country and Business Segments	Income (in millions $)	% (Profit Margin)
Total	146.79	6.09 %

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments	% Y/Y Sales Growth	% Y/Y Income Growth
Four	169.54 %	-
Progressive Leasing	-1.85 %	-
Other	143.22 %	-
Total	-2.2 %	-25.58 %
Lease Revenues and Fees	-1.85 %	-
Interest and Fees on Loans Receivable	-	-
Vive	-	-
Lease Revenues and Fees Progressive Leasing	-1.85 %	-
Interest and Fees on Loans Receivable Vive	-	-
Other Interest and Fees on Loans Receivable	-	-
Other Revenues Four	169.54 %	-
Other Other	143.22 %	-
Progressive Leasing Lease Revenues and Fees	-	-

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