™ 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 ...

Financial Performance - Upbound Group's LTM Consolidated Revenue reached $4.5 billion[11] - The company's LTM Net Income was $102 million[11] - LTM Adjusted EBITDA amounted to $499 million[11] - The business generated LTM Free Cash Flow of $131 million[11] - Q2 2025 consolidated revenue was $1.2 billion, a 7.5% year-over-year increase[20] - Q2 2025 Adjusted EBITDA was $133.2 million, a 7% year-over-year increase[20] - Q2 2025 GAAP Diluted EPS was $0.26, a decrease of $0.35 year-over-year[20] - Q2 2025 Non-GAAP Diluted EPS was $1.12, an increase of $0.08 year-over-year[20] Segment Highlights - Acima experienced 16% year-over-year GMV growth[16] - Brigit saw a 24.1% year-over-year growth in paying subscribers[16] - Brigit's cash advance volume increased by 21.1% year-over-year[16] - Rent-A-Center's same store sales decreased by 4% year-over-year[16] Liquidity and Leverage - The company's liquidity stood at $276.3 million[38] - Net debt was $1.5 billion[38] - The net leverage ratio was 30x[38] Guidance - The company raised the midpoint of FY 2025 guidance for Non-GAAP Diluted Earnings Per Share to $4.05 - $4.40[41]