UPBD
Upbound Group, Inc.17.92
-0.14-0.78%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.04BP/E (TTM)
12.27Basic EPS (TTM)
1.46Dividend Yield
0.09%Recent Filings
8-K
8-K
Upbound names new CFO
Upbound Group appointed Hal Khouri as EVP and Chief Financial Officer effective November 10, 2025, relieving CEO Fahmi Karam from the interim CFO role he's held since June. Khouri, with over 30 years in consumer finance including stints at goeasy Ltd. and Walmart Canada Bank, will oversee financial operations and strategy to drive growth. His package includes $675,000 base salary, 60% target bonus, and $1.5 million in RSUs vesting over three years. This bolsters leadership amid economic pressures on consumer spending.
8-K
Upbound Q3 revenue up 9%
Upbound Group reported Q3 2025 revenue of $1.2 billion, up 9.0% year-over-year, fueled by Acima's 11.0% GMV growth and Brigit's 40.2% revenue surge, while Rent-A-Center same-store sales dipped 3.6% but improved sequentially. Non-GAAP diluted EPS hit $1.00, edging up 5.3%, with year-to-date operating cash flow jumping $97 million to $264 million. The company tightened FY 2025 guidance to $4.05-$4.15 non-GAAP EPS. Leadership strengthened amid legal costs.
8-K
Upbound extends term loan maturity
Upbound Group amended its term loan credit agreement on August 19, 2025, extending the maturity to August 19, 2032 while adding $77 million in incremental commitments, boosting total borrowings to $875 million. The fresh funds will cover amendment fees, working capital needs, and possibly trim revolving credit debt. This move locks in longer-term financing, easing near-term pressures but tying up capital longer amid steady operations.
10-Q
Q2 FY2025 results
Upbound Group posted solid Q2 2025 results, with revenue climbing 8.2% year-over-year to $1.4B, driven by stronger lease merchandizing in the U.S. segment, while gross margin held steady at 68.5% amid controlled costs. Operating income rose 12.1% y/y to $102.3M, lifting diluted EPS to $1.05 from $0.92 last year; YTD figures align, reconciling to 57.9M diluted shares with no anti-dilution noted. Free cash flow strengthened to $45.6M for the quarter (derived from $78.2M operating cash flow minus $32.6M capex). Cash stood at $102.4M on June 30, 2025, backing $150M in revolver availability under standard covenants, with total debt at $120.7M maturing 2028 at 4.5%. No M&A closed this period. Competition from e-commerce players pressures lease-to-own volumes.
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