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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.Q2 2025 earnings summary31 Jul, 2025
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.
Acima virtual lease card: how will it scale?
Brigit's line of credit: what's the strategy?
Rent-A-Center: path to positive SSS growth?
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Next Upbound Group earnings date
Q3 202530 Oct, 2025
Next Upbound Group earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Upbound Group Inc., previously known as Rent-A-Center, Inc., operates as an omni-channel platform company specializing in lease-to-own solutions for household durable goods. Serving customers primarily in the United States, Puerto Rico, and Mexico, the company facilitates access to furniture, electronics, appliances, and computers on a lease-to-own basis. Upbound Group Inc. operates through four main segments: Rent-A-Center Business, Acima, Mexico, and Franchising, leveraging technology to offer flexible leasing solutions tailored to meet the evolving needs and aspirations of its customers. This business model is designed to provide elevated financial opportunities and potential for consumers, focusing on inclusivity and innovation in financial solutions. The company is headquartered in Plano, Texas, and its shares are listed on the NASDAQ.
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