UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or Upbound Group, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 5501 Headquarters Drive, Plano, Texas 75024 (Address of principal executive offices) (Zip Code) Delaw ...

据新浪财经ESG评级中心，2025年10月30日，UPBD（UPBD.US）MSCI（明晟）ESG评级由AA调降至 A。 来源：ESG评级中心 点击查看更多企业ESG评级。 ...

Core Insights - Upbound Group, Inc. (UPBD) reported strong third-quarter 2025 results, with revenues and earnings exceeding the Zacks Consensus Estimate, showing year-over-year growth [1][3][10] Financial Performance - Adjusted earnings per share (EPS) were $1.00, surpassing the consensus estimate of 98 cents, and increased from 95 cents in the prior year [3] - Total revenues reached $1,164.7 million, exceeding the consensus estimate of $1,144 million, marking a 9% year-over-year increase driven by higher rentals, fees, and merchandise sales [3] - Adjusted EBITDA totaled $123.6 million, up 5.7% from the previous year, with an adjusted EBITDA margin of 10.6%, down 30 basis points year-over-year [4] Segment Performance - Rent-A-Center segment revenues declined 4.7% year-over-year to $461.1 million, attributed to a reduced number of company-owned stores and a smaller portfolio [5] - Acima segment revenues increased 10.4% year-over-year to $625.3 million, with applications growing approximately 13% and Gross Merchandise Volume (GMV) advancing 11% to $484 million [7] - Brigit reported total revenues of $57.7 million, representing over 40% year-over-year growth, with average monthly revenue per user rising 11.4% [9] Guidance and Outlook - The company has revised its fiscal 2025 adjusted EBITDA and EPS guidance downward due to margin compression in Acima and weaker Rent-A-Center performance [2] - Expected revenues for 2025 are projected to be between $4.60 billion and $4.75 billion, with adjusted EBITDA anticipated between $500 million and $510 million [15]

Upbound Group (UPBD) reported $1.16 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 9%. EPS of $1.00 for the same period compares to $0.95 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $1.14 billion, representing a surprise of +1.82%. The company delivered an EPS surprise of +2.04%, with the consensus EPS estimate being $0.98.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and ...

Core Insights - The company has strengthened its executive team with the appointment of Hal Koury as Chief Financial Officer and Rebecca Wooters as Chief Growth Officer, both bringing extensive experience in financial services and digital transformation [1][5][51] - The company reported strong financial results for the quarter, with revenue increasing by 9% year-over-year to $1.16 billion and adjusted EBITDA rising by 5.7% to $123.6 million [6][20] - Asima achieved its eighth consecutive quarter of GMV growth, up 11% year-over-year, while Bridget experienced significant growth with a 40% increase in revenue and a 27% rise in subscribers [6][17][31] Executive Appointments - Hal Koury, previously CFO at Goeasy, brings relevant experience in non-prime lending and retail banking [1] - Rebecca Wooters, former Chief Digital Officer at Signet Jewelers, has a track record of transforming businesses into digital omnichannel retailers [1][5] Financial Performance - Revenue for the quarter reached $1.16 billion, a 9% increase from the previous year, driven by growth in Asima and the addition of Bridget [20] - Adjusted EBITDA was $123.6 million, reflecting a 5.7% year-over-year increase, with an adjusted EBITDA margin of 10.6% [20] - Non-GAAP diluted EPS was $1, up 5.3% from the year-ago quarter [20] Segment Performance - Asima's GMV grew by 11% year-over-year, with a focus on adding new merchants and enhancing customer experience [31][32] - Bridget's revenue increased by 40% year-over-year, with a significant rise in active subscribers and a strong average revenue per user (ARPU) [35][37] - Rent-A-Center reported a revenue of $461 million, down 4.7% year-over-year, but showed improvement in same-store sales, which were down 3.6% [39][40] Market Dynamics - The consumer environment is characterized by economic uncertainty, impacting spending priorities and payment behavior [8][59] - The company anticipates that these conditions may lead to increased demand for low weekly payments for durable goods [9] - Asima's underwriting has tightened in response to macroeconomic pressures, which may impact GMV growth in the near term [10][47] Strategic Initiatives - Asima activated its 100,000th merchant location, enhancing its merchant portfolio and customer experience [22] - Bridget is testing new financial products and marketing strategies to drive subscriber growth and improve customer acquisition [25][66] - Rent-A-Center has implemented operational improvements and promotional strategies to enhance customer engagement and sales performance [27][29] Future Outlook - The company expects revenue for the full year to be in the range of $4.6 billion to $4.075 billion, with adjusted EBITDA projected between $500 million and $510 million [47][49] - Asima is projected to achieve mid-single-digit GMV growth in the fourth quarter, while Bridget is expected to see high single-digit revenue growth [48][49] - The company remains focused on leveraging digital transformation and AI to enhance customer experiences and operational efficiency [51][70]

Upbound Group (NasdaqGS:UPBD) Q3 2025 Earnings Call October 30, 2025 09:00 AM ET Speaker5Good day and thank you for standing by. Welcome to the Q3 2025 Upbound Group Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your que ...

™ Third Quarter Earnings Review October 30, 2025 Disclosures Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including, among others, statements regarding our goals, plans and projections with respect to our operations, financial position and business strategy, including those related to our acquisition of Bridge IT, Inc. ("Brigit") on January 31, 2025. Such forward-looking statements generally ...

upbound " Upbound Group, Inc. Earnings Release October 30, 2025 Third Quarter 2025 Results & Key Metrics $13M $0.22 Adiusted Total GAAP Net Earnings EBITDA1 Revenue Diluted EPS Growth Momentum Continues: Acima GMV Increases 11% y/y and Brigit Revenue Increases Over 40% y/y Third Quarter Consolidated Results Tightening FY 2025 Guidance: Rent-A-Center Trends Improve, Acima Decisioning Optimized, Brigit Scaling CEO Commentary "We are excited to welcome our new Chief Financial Officer and Chief Growth Officer t ...

Core Viewpoint - Upbound Group, Inc. is set to report its financial results for Q3 2025 on October 30, 2025, before market opening, followed by a conference call to discuss the results [1] Financial Reporting - The financial results will be announced before the market opens on October 30, 2025 [1] - A conference call is scheduled to begin at 9:00 a.m. ET to discuss the financial results [1]

Group 1 - Upbound Group, Inc. (NASDAQ:UPBD) provides lease-to-own and installment purchase options for household goods, including furniture, appliances, electronics, computers, and smartphones [1] - The company announced a quarterly dividend of $0.39 per share on September 18, payable by October 21 to shareholders of record on September 30, resulting in a yield of 7.1% [1] - Jim Cramer expressed skepticism about UPBD's business model, stating it is the least known and has not been proven [1] Group 2 - There is a belief that certain AI stocks may offer greater upside potential and carry less downside risk compared to UPBD [2]