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 ...

Upbound Group (UPBD) came out with quarterly earnings of $1.01 per share, beating the Zacks Consensus Estimate of $0.97 per share. This compares to earnings of $1.05 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +4.12%. A quarter ago, it was expected that this company that leases furniture and appliances with an option to buy would post earnings of $0.98 per share when it actually produced earnings of $1, delivering a surpri ...

™ 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 ...

Company Overview - Upbound, formerly known as Rent-A-Center, rebranded in 2023 after 50 years of financial obscurity, expanding its business model beyond its own storefronts [5] - The company operates Acima, a platform that allows other retailers to offer lease-to-own financing, significantly increasing its market reach from approximately 1,700 stores to 11,000 other retailers [6] Financial Performance - Upbound has been identified as a potential outperformer within the Russell 2000 index, particularly due to its financial stocks that exhibit low valuations and reasonable yields [4] - The company has a forward P/E ratio limited to less than 5, indicating strong earnings growth potential [4] Market Context - The Vanguard Russell 2000 index fund offers low-cost access to a diversified basket of small-cap stocks, with an expense ratio of 0.03%, making it an attractive investment option [1] - Small-cap stocks, including those in the Russell 2000, have shown resilience and outperformance in the market over the past year, despite trading at earnings multiples in the high teens [2]

Core Viewpoint - Upbound Group, Inc. (NASDAQ:UPBD) is recognized for its strong performance in the specialty finance sector, with a focus on consumer credit growth despite macroeconomic pressures [2][3]. Financial Performance - In the third quarter, Upbound's revenue increased by 9% year-over-year to $1.16 billion, while adjusted EBITDA rose by 5.7% to $123.6 million [3]. - The adjusted EBITDA margin for Rent-A-Center was reported at 16.2%, indicating stable margins alongside improved same-store sales [3]. - The company generated over $50 million in free cash flow during the quarter, bringing the year-to-date total to $167 million [4]. Growth Areas - Upbound's Brigit platform experienced significant growth, with a 40% increase in revenue and a 27% rise in its subscriber base year-over-year [4]. - The company is actively expanding its product offerings, particularly in credit cards, auto and student lending, non-prime credit, buy-now-pay-later, and lease-to-own models [2][3]. Analyst Insights - TD Cowen analyst Hoang Nguyen adjusted the price target for Upbound to $30 from $31 but maintained a Buy rating, reflecting a cautious outlook on the specialty finance sector [2].