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Visual21 Nov 2025
Data center suppliers
Upbound Group (UPBD) investor relations material
Upbound Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Consolidated Q3 revenue rose 9% year-over-year to $1.16 billion, with adjusted EBITDA up 5.7% to $123.6 million, driven by Acima and Brigit performance, while net income was $13.2 million and GAAP diluted EPS was $0.22, down year-over-year.
The Brigit acquisition, completed January 31, 2025, contributed to revenue and subscriber growth, expanding digital financial wellness offerings.
New CFO and Chief Growth Officer appointed, bringing industry and digital transformation experience.
The platform serves 2.9 million active customers across Acima, Brigit, and Rent-A-Center.
Digital innovation and AI initiatives are accelerating, enhancing customer experience and operational efficiency.
Financial highlights
Q3 revenue: $1.16 billion, up 9% year-over-year; adjusted EBITDA: $123.6 million, up 5.7%; non-GAAP diluted EPS: $1.00, up 5.3% year-over-year.
LTM consolidated revenue was $4.6 billion, LTM adjusted EBITDA $506 million, and LTM net income $84 million.
Free cash flow exceeded $50 million in Q3, totaling $167 million year-to-date; liquidity over $360 million at quarter end.
Adjusted EBITDA margin: 10.6%, down 30 bps year-over-year due to lower margins.
Non-GAAP tax rate: 24.5%, lower due to a one-time provision adjustment.
Outlook and guidance
Full-year 2025 revenue guidance: $4.60–$4.75 billion; adjusted EBITDA: $500–$510 million; non-GAAP EPS: $4.05–$4.15; free cash flow: $150–$200 million.
Guidance was tightened from previous ranges, reflecting updated expectations for responsible growth.
Acima Q4 GMV growth expected in mid-single digits; full-year GMV growth in high single to low double digits.
Rent-A-Center top line to decline low to mid-single digits year-over-year in Q4; lease charge-off rate to remain stable.
Brigit revenue projected up high single digits sequentially in Q4, with low double-digit EBITDA margins.
Elaborate on Acima margin decline drivers
Quantify Brigit's tech platform efficiency
Connect Acima underwriting to guidance change
Acima 2026 growth drivers given credit tightening
Leverage Brigit's cash flow underwriting insights
Prioritize $150M tax savings for deleveraging?
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Next Upbound Group earnings date
Q4 202519 Feb, 2026
Next Upbound Group earnings date
Q4 202519 Feb, 2026
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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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