Summary of Upbound Group Conference Call Company Overview - **Company**: Upbound Group - **Industry**: Fintech, Consumer Financial Products - **Core Business Segments**: - **Rent-A-Center**: Legacy rent-to-own financing model with 2,200 locations in the US and Mexico, offering furniture, appliances, and electronics [4][5] - **Acima**: Lease-to-own virtual offerings through approximately 35,000 retail distribution points [5] - **Brigit**: Subscription-based financial services platform with 1.6 million subscribers, offering earned wage advances and budgeting tools [6] Core Customer Insights - **Customer Segment**: Non-prime and subprime consumers, generally resilient during macroeconomic stress [7] - **Performance Metrics**: Good payment performance, low delinquency rates, and manageable loss rates expected to continue [8] Business Growth and Strategy - **Acima Growth**: Focus on digital technology investments to enhance customer and merchant experiences, aiming for mid-single-digit to high-single-digit GMV growth [11][18] - **Brigit Growth**: Anticipated 30% growth in 2026, leveraging cash flow underwriting to enhance customer understanding and credit performance [23][24] - **Rent-A-Center**: Expected to generate approximately $200 million in free cash flow, with a focus on organic growth and potential acquisitions [27][28] Market and Retail Environment - **Retail Health**: Overall retail environment under pressure, but customer demand remains strong, particularly in furniture [16] - **Mexico Operations**: Positive outlook due to increasing wage growth and limited competition in the rent-to-own space [31] Regulatory and Technological Landscape - **Regulatory Position**: Improved regulatory environment with positive discussions around earnings advance products [38][39] - **AI Integration**: Opportunities to leverage AI for customer experience enhancement and operational efficiency [41] Capital Allocation Strategy - **Free Cash Flow**: Prioritized for growth investments, technology infrastructure, and debt reduction [47] - **Opportunistic Growth**: Potential for M&A or partnerships to accelerate growth, with a focus on being opportunistic in capital deployment [48] Additional Insights - **Cross-Selling Opportunities**: Significant potential to cross-sell products between Brigit and Acima customer bases [36][37] - **Line of Credit Offering**: New subscription-based line of credit to enhance customer retention and acquisition [44][45] This summary encapsulates the key points discussed during the Upbound Group conference call, highlighting the company's strategic direction, market positioning, and growth opportunities.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-38047 Upbound Group, Inc. (Exact name of registrant as specified in its charter) Delaware 45-0491516 (State or other jurisdiction of ...

Key Takeaways UPBD beat Q4 earnings and revenue estimates, sending shares up 6.3% despite macro headwinds.Brigit revenues rose to $64.6M, with subscribers up 28.9%, boosting fintech-driven growth.UPBD expects 2026 revenues of $4.70-$4.95B and adjusted EBITDA of $500-$535M.Upbound Group, Inc. (UPBD) reported fourth-quarter 2025 results, wherein the top and bottom lines surpassed the Zacks Consensus Estimate. UPBD’s revenues increased and earnings declined year over year.The fourth quarter was impacted by con ...

Sami B. Sulaiman: A leading subscription-based financial health technology company, further diversifying our complementary offerings and strengthening our ability to serve our core customer. In addition, we welcomed two accomplished executives to our leadership team. I will start with Hal, our new CFO, who is on his first Upbound earningsOur team's dedication and shared vision have driven key achievements that we believe strongly position Upbound for continued success and long-term growth. During 2025, we e ...

Upbound Group (NasdaqGS:UPBD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsBobby Griffin - Managing Director of Equity ResearchFahmi Karam - CEOHal Khouri - CFOKyle Joseph - Managing DirectorSteven Kos - Director of Finance and Investor RelationsYuna Sohn - Equity Research Senior AssociateConference Call ParticipantsAnthony Chukumba - Managing Director and Senior Research AnalystBrad Thomas - Managing Director and Equity Research AnalystHoang Nguyen - VP and Senior Equity Research ...

Upbound Group (NasdaqGS:UPBD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Company ParticipantsBobby Griffin - Managing Director of Equity ResearchFahmi Karam - CEOHal Khouri - CFOKyle Joseph - Managing DirectorSteven Kos - Director of Finance and Investor RelationsYuna Sohn - Equity Research Senior AssociateConference Call ParticipantsAnthony Chukumba - Managing Director and Senior Research AnalystBrad Thomas - Managing Director and Equity Research AnalystHoang Nguyen - VP and Senior Equity Research ...

Upbound Group (NasdaqGS:UPBD) Q4 2025 Earnings call February 19, 2026 09:00 AM ET Speaker6Good day, and thank you for standing by. Welcome to the Upbound Group Inc. Fourth Quarter 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there'll be a question-and-answer session. To ask a question during the session, you'll need to press star one one on your telephone. You will then hear an automated message advising your hand is raised. To wi ...

分组1 - Upbound Group (UPBD) reported quarterly earnings of $1.01 per share, exceeding the Zacks Consensus Estimate of $0.97 per share, but down from $1.05 per share a year ago [1][2] - The company achieved revenues of $1.2 billion for the quarter, surpassing the Zacks Consensus Estimate by 1.18%, compared to $1.08 billion in the same quarter last year [3] - Upbound Group has consistently outperformed consensus EPS and revenue estimates over the last four quarters [2][3] 分组2 - The stock has increased approximately 18.9% since the beginning of the year, significantly outperforming the S&P 500's gain of 0.5% [4] - The current consensus EPS estimate for the upcoming quarter is $0.97 on revenues of $1.24 billion, and for the current fiscal year, it is $4.50 on revenues of $4.98 billion [8] - The Financial - Leasing Companies industry, to which Upbound Group belongs, is currently ranked in the bottom 6% of over 250 Zacks industries, indicating potential challenges ahead [9]

™ Fourth Quarter & Full Year 2025 Earnings Review February 19, 2026 Disclosures These non-GAAP measures are additional tools intended to assist our management in comparing our performance on a more consistent basis for purposes of business decision-making by removing the impact of certain items management believes do not directly reflect our core operations. These measures are intended to assist management in evaluating operating performance and liquidity, comparing performance and liquidity across periods, ...

Upbound Group, Inc. Earnings Release February 19, 2026 Fourth Quarter 2025 Results & Key Metrics upbound " $1.01 20M 60.34 Adjusted Non-GAAP Total GAAP Net Earnings EBITDA1 Revenue Diluted EPS1 Diluted EPS Achieves FY 2025 Targets for Revenue, Adjusted EBITDA, Record Acima GMV, Brigit Growth Accelerates, Non-GAAP Diluted EPS, and Free Cash Flow Rent-A-Center Positive Same Store Sales CEO Commentary Fourth Quarter Consolidated Results "2025 was a transformative year for · Consolidated revenues of $1,196.4 mi ...