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Upbound Group (UPBD) investor relations material
Upbound Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Q2 revenue grew 7.5% year-over-year to $1.16B–$1.2B, driven by digital expansion, Acima/Asima, and Brigit segment growth, while Rent-A-Center faced expected headwinds.
Net income for Q2 was $15.5M, down year-over-year due to higher legal and integration costs; GAAP diluted EPS was $0.26.
Adjusted EBITDA was $133M, up 7% year-over-year, with an 11.5% margin; non-GAAP diluted EPS was $1.12, up 7.7%.
Strategic focus on digital transformation, operational efficiency, and cross-segment product integration following Brigit acquisition.
Free cash flow and cash from operations increased year-over-year, supporting investments and dividends.
Financial highlights
Q2 revenue reached $1.16B–$1.2B, up 7.5% year-over-year; LTM revenue $4.5B; LTM net income $102M.
Adjusted EBITDA was $133M in Q2; LTM adjusted EBITDA $499M; Q2 gross margin increased 80 bps year-over-year.
Non-GAAP diluted EPS was $1.12 in Q2; GAAP diluted EPS was $0.26; year-to-date free cash flow was $117M.
Operating expenses and special items, including legal and Brigit-related charges, impacted GAAP results.
Dividends paid totaled $43.5M for the first half, with annualized dividend at $1.56 per share.
Outlook and guidance
FY 2025 revenue guidance: $4.60–$4.75B; adjusted EBITDA: $515M–$535M; non-GAAP EPS: $4.05–$4.40; free cash flow: $150M–$200M.
Q3 2025 revenue expected at $1.05B–$1.15B; adjusted EBITDA $120M–$130M; non-GAAP EPS $0.95–$1.05.
Guidance midpoint for non-GAAP EPS raised, reflecting confidence in business momentum.
Brigit and Acima expected to continue driving growth; Rent-A-Center to follow seasonal trends.
Cash flow and liquidity projected sufficient for the next twelve months.
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