UPBD
Upbound Group, Inc.17.92
-0.14-0.78%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Guidance cadence: H1 soft, H2 rebound
Q&A clarified 2026 guidance conservatism, with Q1 boosted by full Bridget quarter but H1 GMV flat at Acima from lingering credit tightening, accelerating H2 as changes lap amid furniture weakness offset by jewelry (+20% YoY) and auto gains. Bridget targets 30%+ revenue growth despite line-of-credit pilot delays from bank partner issues and macro caution, shifting some upside to 2027; integration remains light-touch. Analysts pressed on demand slowdowns and competition in EWA space—management cited stable delinquencies under 3.5% and bundle differentiation. No walk-backs, just cadence details. Portfolio healthy. H2 execution matters.
Key Stats
Market Cap
1.04BP/E (TTM)
12.27Basic EPS (TTM)
1.46Dividend Yield
0.09%Recent Filings
10-K
FY2025 results
Upbound Group posted FY2025 revenues of $4.7B, up 8.7% y/y, fueled by Acima's 11.1% revenue surge to $2.5B on 8.6% GMV growth from more retailer locations and direct-to-consumer push, plus Brigit's $206M debut post-January acquisition. Yet Rent-A-Center dipped 4.2% to $1.9B amid 2.2% same-store sales drop and store rationalization. Q4 momentum shone in Acima's accelerating growth, while margins held firm despite higher lease charge-offs at 9.5% of revenues. Operating profit fell 23% to $223M on legal accruals and acquisition costs, but cash from operations hit $306M. Debt stands at $1.6B with $238M revolver room; $235M remains for buybacks. Macro headwinds threaten consumer spending.
8-K
Q4 revenue hits $1.2B
Upbound Group reported Q4 revenue up 10.9% to $1.2B on February 19, 2026, fueled by Acima's 9th straight GMV growth quarter and Brigit's 41% subscriber surge to 1.55M. Rent-A-Center turned positive with 0.8% same-store sales; operating cash flow soared $104M y/y to $42M. FY2026 guides $4.7-4.95B revenue. Cash flow fuels growth.
8-K
401(k) blackout starts Dec 24
Upbound Group disclosed a trading blackout for directors and executives tied to its 401(k) plan's switch from JPMorgan/Empower to Fidelity Investments. The SOX Blackout Period starts December 24, 2025, at 4:00 p.m. ET and ends the week of January 25, 2026, barring trades in company stock. Blackouts happen. Plan participants lose transaction access too.
10-Q
Q3 FY2025 results
Upbound Group's Q3 10-Q covers the quarter ended September 30, 2025, with the Third Amendment to its ABL Credit Agreement effective August 29, 2025, executed by the borrower, loan parties, JPMorgan Chase Bank, N.A. as agent, and lenders including HSBC, Mizuho, and MUFG—yet no financial statements or metrics appear in the provided filing. Liquidity remains tied to the ABL facility, which supports ongoing operations. No M&A, impairments, or subsequent events beyond the amendment are detailed. Risk factors highlight potential covenant breaches amid competition.
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.
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