Upbound Group, Inc. Q4 2025 Earnings Call Summary

Achieved record full-year revenue of $4.7 billion by successfully integrating the Bridget acquisition and driving low double-digit growth at Acima. Shifted Acima's strategy toward a direct-to-consumer marketplace model, which now accounts for 10% of GMV and leverages AI to facilitate transactions at non-integrated retailers. Stabilized the Rent-A-Center segment through disciplined underwriting and digital infrastructure upgrades, resulting in the first positive same-store sales growth since 2024. Ex ...