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Upbound (UPBD) - 2025 Q2 - Earnings Call Presentation

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]