Inferra AI / Company / UPBD

Upbound Group, Inc.

UPBD · Consumer Discretionary

Last earnings Oct 29, 2026

Key results

Consolidated revenuequarter

9.0%

Third Quarter 2025 Highlights1 Achieves Strong Topline Growth: Consolidated revenue growth of 9.0% year-over-year to $1.2 billion.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Growthquarter

up 11.0%

Acima's Sustained Growth Momentum: Acima achieved its eighth consecutive quarter of GMV2 and revenue growth, with GMV up 11.0% and revenue up 10.4% year-over-year.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Revenuequarter

10.4%

Acima's Sustained Growth Momentum: Acima achieved its eighth consecutive quarter of GMV2 and revenue growth, with GMV up 11.0% and revenue up 10.4% year-over-year.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Brigit's Continued Rapid Expansion: Brigit posted 40.2% revenue growth year-over-year, driven by 26.8% paying subscriber3 growth and 11.4% ARPU4 growth.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Our Acima and Brigit segments continued their momentum, with Acima achieving its eighth consecutive quarter of GMV growth and Brigit delivering over 40% year-over-year increase in revenue.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Earnings Release October 30, 2025 Third Quarter 2025 Results & Key Metrics Third Quarter Consolidated Results Consolidated revenues of $1,164.7 million increased 9.0% year- over-year, driven primarily by the acquisition of Brigit, in addition to both higher rentals and fees revenue and higher merchandise sales revenue.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Net incomequarter

$13.2 million

Net earnings on a GAAP basis of $13.2 million, compared to $30.9 million in the prior year period, a $17.7 million decrease.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

GAAP EPSquarter

$0.22

GAAP diluted earnings per share was $0.22, compared to GAAP diluted earnings per share of $0.55 in the prior year period.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

M Total revenuequarter

$1,165M

$1,165M Total Revenue GAAP Diluted EPS $0.22 Non-GAAP Diluted EPS1 Net Earnings $13M Adjusted EBITDA1 $1.00$124M LCO Rate Third Quarter Highlights $625.3M +10.4% y/y Revenue YoY Increase$63.7M -0.5% y/y Applications increased approximately 13% y/y in the third quarter.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

AI analysis

Q3 2025 · reported Oct 30, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

GAAP EPS · Q3 2025

$0.22

EX-99 · Oct 30, 2025

Net income · Q3 2025

$13.2M

-57.3% -$18M vs year ago computed from stated figures

EX-99 · Oct 30, 2025

M Total revenue · Q3 2025

$1,165M

+0.6% vs prior quarter computed from stated figures

EX-99 · Oct 30, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Consolidated revenue	9.0%	$1,158 million	—
Growth	up 11.0%	—	—
Revenue	10.4%	$1,158 million	—
Net income	$13.2 million	$15.5 million	$30.9 million
GAAP EPS	$0.22	$0.26	—
M Total revenue	$1,165M	$1,158M	—

EX-99 · Oct 30, 2025

Guidance · company-stated

non-GAAP diluted EPS

“guidance range to $4.05”

Guidance stated in the release for FY 2025; figures as stated.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Rental revenue$364.0M

Capex$22.2M

Dividend$1.5B

During the quarter, we also refinanced our term loan.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Third Quarter 2025 Results October 30, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

non-GAAP diluted EPS: “non-GAAP diluted EPS guidance range to $4.05”

non-GAAP diluted EPS (“FY 2025”)
“The Company tightened its FY 2025 non-GAAP diluted EPS guidance range to $4.05 - $4.15.6 About Upbound Group, Inc.”

Guidance stated in the release for FY 2025; figures as stated.

Capital allocation

During the quarter, we also refinanced our term loan.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

The Company maintains a robust financial position and ended the quarter with liquidity of over $360 million, net debt of $1.5 billion, and a net leverage ratio of 2.9x, down from 3.0x at the end of the second quarter.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

( Brigit ) following the closing of our acquisition of Brigit (the Merger ) on January 31, 2025) and our segments, (iv) the Company s growth strategies, (v) the Company's expectations, plans and strategy relating to its capital structure and capital allocation, including any share repurchases under the Company's share repurchase program, (vi) the potential impact of legal proceedings, governmental inquiries and investigations the Company is involved in, and (vii) other statements that are not historical facts.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Rental Revenue by Product Category Q3 Quarter-End Financial Position & Capital Allocation $364.0 million Liquidity $20.5 million Capital Expenditures $22.2 million Dividends Paid $1.5 billion Net Debt1,2 2.9x Net Leverage Ratio3 2.0x Target Net Leverage Ratio3 11 All figures except capital expenditures and dividends paid, which represent expenditures for the full quarter, are as of quarter-end.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

1 Net debt is defined as outstanding debt less cash and cash equivalents.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

3 Net leverage ratio is defined as outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA, which is a Non-GAAP financial measure.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Strategy & priorities

Brigit's Continued Rapid Expansion: Brigit posted 40.2% revenue growth year-over-year, driven by 26.8% paying subscriber3 growth and 11.4% ARPU4 growth.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

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.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

The Merger with Brigit, a leading holistic financial health technology company, is intended to accelerate Upbound s strategy to provide technology-driven financial solutions to customers underserved by the traditional financial system.

SEC original ↗Upbound Group, Inc. — 10-Q Quarterly report10-QJul 31, 2026

The Term Loan Facility is secured by a first-priority security interest in substantially all of our present and future tangible and intangible personal property, including our subsidiary guarantors, other than the ABL Priority Collateral, and by a second-priority security interest in the ABL Priority Collateral, subject to certain exceptions.

SEC original ↗Upbound Group, Inc. — 10-Q Quarterly report10-QJul 31, 2026

Risks & headwinds

Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to forecasted non-GAAP measures such as Non-GAAP EPS without unreasonable effort.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Such forward-looking statements are based on particular assumptions that our management has made in light of its experience and its perception of expected future developments and other factors that it believes are appropriate under the circumstances, and are subject to various risks and uncertainties.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Due to the inherent uncertainty related to the special items identified in the tables below, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

com 6 Forward Looking Statements This press release, and the guidance above and the Company's related conference call contain forward-looking statements that involve risks and uncertainties.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

What changed vs prior quarter

Consolidated revenue — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Revenue — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Upbound Group, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Net income — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Upbound Group, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Documents

Earnings deck slides

0 decks with slide view

Upbound Group, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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