AI Earnings Predictions for Upbound Group Inc. (UPBD)

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Upbound Group, Inc. Reports Third Quarter 2026 Results

PLANO, Texas--(BUSINESS WIRE)—October 29, 2026-- Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter ended September 30, 2026. The earnings release, financial tables and related materials can be found on the Company's investor relations website at https://investor.upbound.com.

Today at 9 a.m. ET, Fahmi Karam, Chief Executive Officer, and Hal Khouri, Chief Financial Officer, will host a conference call to review the Company’s financial results. Interested parties can access a live webcast of the conference call via this link (Webcast Link) or through the Company's investor relations website.

Third Quarter 2026 Highlights1

• Consolidated Results at or Above Guided Ranges: Consolidated revenue of $1.15 billion came in at the high end of the Company’s outlook. GAAP net earnings were $34 million, up $21 million year-over-year, and GAAP diluted EPS was $0.58. Adjusted EBITDA⁶ of $123 million and non-GAAP diluted EPS⁶ of $1.01 exceeded the top of their respective guided ranges.

• Underwriting Discipline Drives Acima Profitability: Acima GAAP net earnings increased 17.3% to $74.7 million. Acima Adjusted EBITDA⁶ increased approximately 15% year-over-year to $86 million, with Adjusted EBITDA⁶ margin expanding approximately 270 basis points to 14.7%. Lease charge-off rate⁴ improved more than 100 basis points year-over-year to 8.7%. Acima revenue was $585 million, down approximately 6.5% year-over-year.

• Brigit Delivers Double-Digit Growth Across Key Metrics: Brigit revenue grew 37% year-over-year to $79 million. Paying Users² rose approximately 27% to 1.84 million, and ARPU³ increased 4.7% to $14.39. Brigit GAAP net earnings increased 93.8% to $8.9 million, and adjusted EBITDA⁶ grew 59% year-over-year to $14.7 million.

• Rent-A-Center Extends Same Store Sales Growth to Four Consecutive Quarters: Same store sales⁵ increased approximately 180 basis points year-over-year, and revenue of $459 million was essentially flat to the prior year.

• Expanding Reach and Strengthening Leadership: Acima entered an integration agreement with Boost Mobile to serve as a preferred lease-to-own solution across approximately 5,000 Boost Mobile stores nationwide. The Company also welcomed Scott Young as Chief Operating Officer and Dev Chakraborty as Head of Brigit.

• Share Repurchase: The Company intends to repurchase up to $50 million of its common stock under its existing share repurchase program, originally authorized by the Board of Directors in December 2021, with the timing and amount of any repurchases to be determined by management based on market conditions, share price, capital needs and other factors.

• Strong Cash Generation Supports Deleveraging: Net cash provided by operating activities increased by 81% to approximately $163 million, and free cash flow more than doubled year-over-year to approximately $121 million. The Company has reduced debt by more than $225 million since year-end, reducing the overall net leverage ratio.

• 2026 Outlook: Full-year consolidated revenue range narrowed to $4.68-$4.78 billion. Adjusted EBITDA6 range also narrowed to $510-$525 million and non-GAAP diluted EPS⁶ range narrowed to $4.15-$4.30, increasing the midpoint. For the fourth quarter of 2026, the Company expects consolidated revenue of $1.15-$1.25 billion, adjusted EBITDA6 of $125-$135 million, and non-GAAP diluted EPS6 of $1.00-$1.10.

About Upbound Group, Inc.

Upbound Group, Inc. (NASDAQ: UPBD), is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The Company’s customer-facing operating units include industry-leading brands such as Acima®, Brigit™, and Rent-A-Center® that facilitate consumer transactions across a wide range of store-based and digital channels in the United States, Mexico and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas. For additional information about the Company, please visit our website Upbound.com.

(1) The selected highlights referenced herein do not provide a complete review of the Company’s results for the quarter or updated guidance and outlook. Please refer to the Company’s full earnings release and related materials, as noted in this release, for additional information.

(2) Brigit Paying Users: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments.

(3) ARPU: Average monthly revenue per Brigit Paying User, where Brigit Paying User is defined in footnote 2 above.

(4) Lease Charge-Offs: Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period.

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Upbound Group, Inc. Reports Second Quarter 2026 Results

PLANO, Texas--(BUSINESS WIRE)—July 30, 2026-- Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter ended June 30, 2026. The earnings release, financial tables and related materials can be found on the Company's investor relations website at https://investor.upbound.com.

Today at 9 a.m. ET, Fahmi Karam, Chief Executive Officer, and Hal Khouri, Chief Financial Officer, will host a conference call to review the Company’s financial results. Interested parties can access a live webcast of the conference call via this link (Webcast Link) or through the Company's investor relations website.

Second Quarter 2026 Highlights1

• Consolidated Results All Within Guided Ranges: Consolidated revenue of approximately $1.2 billion.

• Brigit Continues Strong Momentum: Brigit revenue increased 37% year-over-year to $71 million, supported by approximately 30% growth in paying subscribers² to 1.7 million and a 6.3% increase in ARPU³ to $14.30.

• Acima Delivers Improved Portfolio Quality: Acima generated $604 million of revenue, down approximately 2.5% year-over-year, but saw lease charge-off rate⁴ improve 50 basis points year-over-year to 8.8% and EBITDA margin expanded 117 basis points to 16.2%.

• Rent-A-Center Achieves Third Consecutive Quarter of Same-Store Sales Growth: Same store sales⁵ increased approximately 160 basis points year-over-year, while achieving $466 million in revenue.

• Robust Cash Flow Generation: Net cash provided by operating activities of approximately $123 million, while increasing free cash flow to $84 million.

• 2026 Outlook: Full-year consolidated revenue range narrowed to $4.70–$4.85 billion. Adjusted EBITDA⁶ range of $500–$535 million and non-GAAP diluted EPS⁶ range of $4.00–$4.35 reaffirmed. For the third quarter of 2026, the Company expects

consolidated revenue of $1.05–$1.15 billion, Adjusted EBITDA⁶ of $105–$115 million, and non-GAAP diluted EPS⁶ of $0.85–$0.95.

About Upbound Group, Inc.

Upbound Group, Inc. (NASDAQ: UPBD), is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The Company’s customer-facing operating units include industry-leading brands such as Acima®, Brigit™, and Rent-A-Center® that facilitate consumer transactions across a wide range of store-based and digital channels in the United States, Mexico and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas. For additional information about the Company, please visit our website Upbound.com.

(1) The selected highlights referenced herein do not provide a complete review of the Company’s results for the quarter or updated guidance and outlook. Please refer to the Company’s full earnings release and related materials, as noted in this release, for additional information.

(2) Brigit Paying Subscribers: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments.

(3) ARPU: Average monthly revenue per Brigit Paying Subscriber, where Brigit Paying Subscriber is defined in footnote 2 above.

(4) Lease Charge-Offs: Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period. For the Rent-A-Center segment, LCOs exclude Get It Now, Home Choice, and Franchisee-owned Rent-A-Center locations. For the Acima segment, LCO’s exclude fraudulent lease-to-own contract losses.

(5) Same Store Sales (SSS): Same store sales generally represents revenue earned in Company-owned Rent-A-Center stores that were operated by us for 13 months or more and are reported on a constant currency basis as a percentage of total revenue earned in stores of the segment during the indicated period. The Company excludes from the same store sales base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store sales base in the 30th full month following account transfer.

(6) See “Non-GAAP Financial Measures” below for the definitions and other information regarding our non-GAAP financial measures included in this release.

Forward-Looking Statements

This release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including, among others, statements regarding our 2026 financial guidance, future same store sales expectations and other statements regarding our future outlook. Such forward-looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," "expect," "intend," "could," "estimate," "predict," "continue

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Upbound Group, Inc. Reports First Quarter 2026 Results April 30, 2026 PLANO, Texas--(BUSINESS WIRE)--Apr. 30, 2026-- Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter ended March 31, 2026. The earnings release, financial tables and related materials can be found on the Company's investor relations website at https://investor.upbound.com. Today at 9 a.m. ET, Fahmi Karam, Chief Executive Officer, and Hal Khouri, Chief Financial Officer, will host a conference call to review the Company’s financial results. Interested parties can access a live webcast of the conference call via this link (Webcast Link) or through the Company's investor relations website. First Quarter 2026 Highlights1 Continued Topline Growth: Consolidated revenue increased 3.7% year-over-year to $1.2 billion. Brigit Demonstrates Ongoing Expansion: Brigit revenue increased more than 40% year-over-year, supported by double-digit growth in paying subscribers2 and ARPU3. Acima Shows Disciplined Execution: Acima revenue increased approximately 1.8% year-over-year to $649 million, while lease charge-off rate4 improved to 8.8%, down 130 basis points sequentially. Rent-A-Center Progress Continues: Rent-A-Center same store sales5 grew 0.4% year-over-year, alongside a 20 basis point sequential improvement in lease charge-off rate. Robust Cash Flow Generation: The Company reported $171 million of net cash provided by operating activities, an increase of $23 million year-over-year. 2026 Outlook Reaffirmed: For fiscal year 2026, the Company reaffirms its expectation for consolidated revenue of between $4.70 billion and $4.95 billion, Adjusted EBITDA6 of between $500 million and $535 million, and non-GAAP diluted EPS6 of between $4.00 and $4.35. For the second quarter of 2026, the Company expects consolidated revenue of between $1.1 billion and $1.2 billion, Adjusted EBITDA6 of between $120 million and $130 million, and non-GAAP diluted EPS6 of between $1.00 and $1.10. About Upbound Group, Inc. Upbound Group, Inc. (NASDAQ: UPBD), is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The Company’s customer-facing operating units include industry-leading brands such as Acima®, Brigit™, and Rent-A-Center® that facilitate consumer transactions across a wide range of store-based and digital channels in the United States, Mexico and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas. For additional information about the Company, please visit our website Upbound.com. (1) The selected highlights referenced herein do not provide a complete review of the Company’s results for the quarter or updated guidance and outlook. Please refer to the Company’s full earnings release and related materials, as noted in this release, for additional information. (2) Brigit Paying Subscribers: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments. (3) ARPU: Average monthly revenue per Brigit Paying Subscriber, where Brigit Paying Subscriber is defined in footnote 2 above. (4) Lease Charge-Offs: Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period. For the Rent-A-Center segment, LCOs exclude Get It Now, Home Choice, and Franchisee-owned Rent-A-Center locations. (5) Same Store Sales (SSS): Same store sales generally represents revenue earned in Company-owned Rent-A-Center stores that were operated by us for 13 months or more and are reported on a constant currency basis as a percentage of total revenue earned in stores of the segment during the indicated period. The Company excludes from the same store sales base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store sales base in the 30th full month following account transfer. (6) See “Non-GAAP Financial Measures” below for the definitions and other information regarding our non-GAAP financial measures included in this release. Forward-Looking Statements

This release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including, among others, statements regarding our 2026 financial guidance and other statements regarding our future outlook and other non-historical items. Such forward-looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," "expect," "intend," "could," "estimate," "predict," "continue," “maintain,” "should," "anticipate," "believe," or “confident,” or the negative