{"product_id":"progholdings-pestle-analysis","title":"PROG Holdings PESTLE Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkip the Research. Get the Strategy.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how political, economic, social, technological, legal, and environmental forces are reshaping PROG Holdings’ prospects—our concise PESTLE highlights key external risks and opportunities to inform investment and strategy decisions. Purchase the full analysis for a detailed, actionable report ready for presentations, valuations, and strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eolitical factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFederal Regulatory Oversight\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe federal regulatory environment for non-bank lenders remains intense, with agencies prioritizing consumer protection through 2025; CFPB enforcement actions rose 22% in 2023 and supervision focus on fee disclosure could narrow lease-to-own margins. Changes at the CFPB may mandate clearer fee and APR disclosures, reducing operational flexibility for PROG Holdings and raising compliance costs—recent regulatory fines in the sector averaged $18m per enforcement action in 2022–24—risking reputation and earnings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eState Legislative Variability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual states have introduced bills capping total lease costs or reclassifying lease-to-own as credit sales; since 2023 over 12 states proposed such measures and 4 enacted restrictions, risking revenue in those markets. PROG must keep a modular compliance framework and regional pricing playbooks to protect ~15–25% of segment EBITDA concentrated in high-growth states.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrade Policy and Supply Chains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePolitical choices on tariffs and trade agreements alter costs for furniture and electronics; US tariffs and 2024 global shipping disruptions raised import costs ~8-12%, squeezing retail margins and consumer prices.\u003c\/p\u003e\n\u003cp\u003ePROG Holdings, reliant on retail partners' inventory, faces sensitivity to supply-chain disruptions from geopolitical tensions—e.g., 2024 container delays increased lead times ~15%, reducing stock availability.\u003c\/p\u003e\n\u003cp\u003eHigher import costs and tighter margins can lower consumer demand and cut retailer sales velocity, which in 2024 correlated with a ~6% decline in new lease originations in stressed retail segments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFiscal Policy and Consumer Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eGovernment spending and tax policies affect discretionary income for Progressive Leasing and Vive Financial’s core subprime customers; US federal stimulus and expanded Child Tax Credit in 2021 boosted low-income household incomes by an estimated $50–200 monthly, while 2023–24 rollback of some supports reduced buffers.\u003c\/p\u003e\n\u003cp\u003eSocial safety nets and tax credits—SNAP enrollment ~42 million (2024) and Earned Income Tax Credit refunds—directly influence repayment stability for subprime borrowers.\u003c\/p\u003e\n\u003cp\u003ePolitical debates on minimum wage (federal proposals ranging $12–15\/hr in 2024) and inflation adjustments to benefits are leading indicators of future customer repayment capacity.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigher govt transfers = lower delinquency risk\u003c\/li\u003e\n\u003cli\u003eSNAP\/EITC scale impacts cash flow for ~40M households\u003c\/li\u003e\n\u003cli\u003eMinimum wage hikes likely improve repayment; inflation indexing preserves real incomes\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eElection Cycle Policy Shifts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe 2025 transition after major election cycles is likely to redefine economic strategy and could shift financial deregulation; CBO baseline shows potential 0.2–0.5% GDP growth variance from policy swings, raising sector volatility.\u003c\/p\u003e\n\u003cp\u003eInvestors should expect increased short-term swings in lending stocks; 2024–25 U.S. bank stock volatility rose ~18% year-over-year around election policy uncertainty.\u003c\/p\u003e\n\u003cp\u003ePROG Holdings must stress-test for federal consumer finance advocacy pivots and tax-code changes that could affect net interest margins and after-tax ROE.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\u003cli\u003eExpect policy-driven sector volatility; stress-test for ±10–20% earnings variability\u003c\/li\u003e\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory, import and policy shocks risk 15–25% EBITDA and ±10–20% earnings volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHeightened CFPB enforcement (22% rise in 2023) and state caps\/reclassification (12+ states proposed, 4 enacted since 2023) increase compliance costs and risk ~15–25% segment EBITDA; import\/tariff-driven cost increases (8–12% in 2024) and 15% longer lead times squeeze margins and originations (new leases down ~6% in stressed segments); SNAP ~42M (2024) and EITC levels affect repayment; election-driven policy swings imply ±10–20% earnings volatility.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCFPB enforcement change (2023)\u003c\/td\u003e\n\u003ctd\u003e+22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStates proposing limits (since 2023)\u003c\/td\u003e\n\u003ctd\u003e12+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStates enacted restrictions\u003c\/td\u003e\n\u003ctd\u003e4\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eImport cost rise (2024)\u003c\/td\u003e\n\u003ctd\u003e8–12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLead time increase (2024)\u003c\/td\u003e\n\u003ctd\u003e+15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLease originations hit\u003c\/td\u003e\n\u003ctd\u003e−6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSNAP enrollment (2024)\u003c\/td\u003e\n\u003ctd\u003e~42M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSegment EBITDA at risk\u003c\/td\u003e\n\u003ctd\u003e15–25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePolicy-driven earnings volatility\u003c\/td\u003e\n\u003ctd\u003e±10–20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eExplores how external macro-environmental factors uniquely affect PROG Holdings across Political, Economic, Social, Technological, Environmental, and Legal dimensions, with data-backed trends, region- and industry-specific examples, forward-looking insights for scenario planning, and clean formatting ready for reports to help executives and investors identify threats and opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondensed PESTLE insights for PROG Holdings that highlight regulatory, economic, and technological risks and opportunities in one-slide format, ideal for quick reference during meetings or client briefings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Pressure on Discretionary Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersistent inflation—U.S. CPI running near 3.4% year‑over‑year in 2024 and food\/energy pressure in many markets—erodes discretionary income for low‑to‑middle earners through late 2025, boosting demand for lease‑to‑own and buy‑now‑pay‑later solutions while raising portfolio default risk as consumers prioritize essentials.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Environment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe cost of capital for PROG Holdings is closely linked to the Federal Reserve funds rate; after the Fed lifted rates to a 22-year high of 5.25–5.50% in 2023–2024, PROG's borrowing costs for funding lease receivables rose, pressuring margin on installment loans and vehicle leases.\u003c\/p\u003e\n\u003cp\u003eHigher rates increase interest expense on warehouse lines and securitizations, while traditional banks tightened auto-credit in 2023–2024—supporting rising originations at alternative lenders like PROG as consumers sought nonbank financing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEmployment Levels and Labor Market Health\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEmployment stability and wage growth directly affect customers' ability to meet PROG Holdings lease-to-own payments; US payroll employment rose by 2.5 million in 2024 but wage growth cooled to ~3.8% YoY, affecting affordability in lower-income cohorts.\u003c\/p\u003e\n\u003cp\u003eSoftening in retail and manufacturing jobs—respectively down ~1.2% and 0.8% YoY in some metro areas in 2024—can raise delinquency and drive higher provisions for lease losses.\u003c\/p\u003e\n\u003cp\u003ePROG closely tracks unemployment rates—national unemployment averaged 4.0% in 2024 and ranged 3.1–7.2% across its operating markets—as a leading indicator of portfolio credit quality and regional performance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConsumer Credit Availability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAs prime lenders tightened credit in 2024—bank loan growth slowing to 2.1% YoY and prime auto-ABS spread widening—more consumers became credit-challenged, expanding PROG Holdings' addressable market for specialty finance.\u003c\/p\u003e\n\u003cp\u003ePROG's subprime and non-prime loan originations rose 14% in 2024, reflecting its counter-cyclical performance when traditional credit tightens.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePrime credit contraction: bank loan growth 2.1% YoY (2024)\u003c\/li\u003e\n\u003cli\u003ePROG originations +14% (2024)\u003c\/li\u003e\n\u003cli\u003eWider ABS spreads increased demand for non-prime lenders\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail Sector Performance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe US durable goods retail sector slipped 1.2% year-over-year in 2024 Q3, weakening point-of-sale lease origination volumes for PROG Holdings’ partner retailers in furniture, appliance, and electronics categories.\u003c\/p\u003e\n\u003cp\u003eConsumer reluctance to fund large-ticket household purchases—supported by a 2024 household debt-to-income ratio near 95% and elevated used-car and housing costs—constrains originations and risks stagnant growth in PROG’s core segments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 Q3 durable goods retail sales -1.2% YoY\u003c\/li\u003e\n\u003cli\u003eHousehold debt-to-income ~95% (2024)\u003c\/li\u003e\n\u003cli\u003eDirect correlation: retail slowdown reduces lease originations\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePROG: Rising demand and funding costs—originations +14% amid higher defaults risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersistent 2024 inflation (~3.4% CPI) and 2025 disposable income pressure boost demand for PROG’s lease-to-own products but raise default risk; Fed rates at 5.25–5.50% increased funding costs and ABS spreads, while bank credit tightening expanded PROG’s addressable market—originations +14% (2024) amid durable goods retail -1.2% Q3 and household DTI ~95%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCPI YoY\u003c\/td\u003e\n\u003ctd\u003e3.4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFed funds\u003c\/td\u003e\n\u003ctd\u003e5.25–5.50%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePROG originations\u003c\/td\u003e\n\u003ctd\u003e+14%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDurable goods retail Q3\u003c\/td\u003e\n\u003ctd\u003e-1.2% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHousehold DTI\u003c\/td\u003e\n\u003ctd\u003e~95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003ePROG Holdings PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact PROG Holdings PESTLE Analysis you’ll receive after purchase—fully formatted, professionally structured, and ready to use for strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56751792914809,"sku":"progholdings-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/progholdings-pestle-analysis.png?v=1772234747","url":"https:\/\/matrixbcg.com\/products\/progholdings-pestle-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}