Anthony Chukumba

John Rowan

Hoang Nguyen

Robert Griffin

Vincent Caintic

William Reuter

Bradley Thomas

John Hecht

Kyle Joseph

Bobby Griffin

Brad Thomas

Carla Casella

Wen Hong

- Upbound (UPBD) reported strong Q3 2025 financial results, with **revenue increasing 9%** year over year to **$1.16 billion** and **adjusted EBITDA growing 5.7%** to **$123.6 million**.  **[0000933036_2216192_1]** **[0000933036_2216192_3]**  The company updated its full-year 2025 guidance, expecting revenue between **$4.6 billion and $4.75 billion**, adjusted EBITDA from **$500 million to $510 million**, and non-GAAP EPS in the range of **$4.05 to $4.15**.  **[0000933036_2216192_7]** 
- The executive team was strengthened with the appointment of **Hal Khoury** as Chief Financial Officer and **Rebecca Wooters** as Chief Growth Officer.  **[0000933036_2216192_1]** 
- Key segment performance in Q3 2025 included Acima's **11% GMV growth** and Brigit's **40% revenue growth**.  **[0000933036_2216192_1]** **[0000933036_2216192_5]**  Acima's lease charge-off rate was **9.7%**, with management expecting it to peak at **10%** in Q4 before improving in Q1 2026 due to underwriting tightening.  **[0000933036_2216192_5]** **[0000933036_2216192_8]** 
- Upbound expects to realize approximately **$150 million** in cash tax savings from bonus depreciation provisions in 2025 and 2026, contributing to over **$350 million** in liquidity at the end of Q3 2025.  **[0000933036_2216192_7]**

Upbound (UPBD) Reports Strong Q3 2025 Results and Updates Full-Year Guidance

- Upbound Group, Inc. reported **consolidated revenues of $1,164.7 million** for Q3 2025, an increase of **9.0% year-over-year**, with **Non-GAAP diluted earnings per share of $1.00** and **Adjusted EBITDA of $123.6 million**.  **[933036_0000933036-25-000164_ex-992upbd2025q3earnings.htm:0]** **[933036_0000933036-25-000164_ex-992upbd2025q3earnings.htm:3]** **[933036_0000933036-25-000164_ex-993upbd2025q3investor.htm:5]** 
- The **Acima segment's GMV increased 11% year-over-year** and **revenue increased 10.4% year-over-year**, while **Brigit's revenue grew 40.2% year-over-year**.  **[933036_0000933036-25-000164_ex-992upbd2025q3earnings.htm:0]** **[933036_0000933036-25-000164_ex-991upboundgroupincrep.htm:1]** **[933036_0000933036-25-000164_ex-992upbd2025q3earnings.htm:3]**  The Rent-A-Center segment's same store sales declined **3.6% year-over-year**, showing an improvement of 40 basis points compared to the previous quarter.  **[933036_0000933036-25-000164_ex-991upboundgroupincrep.htm:1]** 
- The company tightened its **FY 2025 Non-GAAP diluted EPS guidance to $4.05 - $4.15** and updated its **Adjusted EBITDA Excluding SBC guidance to $500 - $510 million**.  **[933036_0000933036-25-000164_ex-991upboundgroupincrep.htm:1]** **[933036_0000933036-25-000164_ex-992upbd2025q3earnings.htm:2]** **[933036_0000933036-25-000164_ex-993upbd2025q3investor.htm:6]** 
- Upbound Group, Inc. also appointed **Hal Khouri as the new Chief Financial Officer** and **Rebecca Wooters as Chief Growth Officer**.  **[933036_0000933036-25-000164_ex-991upboundgroupincrep.htm:1]**

Upbound Group, Inc. Announces Q3 2025 Results and Updates Full Year Guidance

UPBOUND GROUP (UPBD)