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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Upbound Group
Upbound Group (UPBD) investor relations material
Upbound Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved record full-year revenue of $4.7 billion in 2025, up 8.7% year-over-year, with strong operational and financial performance across all segments and digital-first solutions for underserved consumers.
Adjusted EBITDA reached $508.8 million, up 7.5% year-over-year, and non-GAAP diluted EPS was $4.13, a 7.8% increase year-over-year.
Net income was $73.2 million, a decrease of $50.3 million year-over-year, reflecting higher special items and integration costs.
Acquired Brigit in Q1 2025, expanding digital financial wellness offerings and contributing to segment growth.
Served over 3.5 million customers across all brands, focusing on digital and data-driven solutions.
Financial highlights
Q4 2025 consolidated revenue was $1.2 billion, up 10.9% year-over-year; full-year revenue reached $4.7 billion, up 8.7%.
Q4 adjusted EBITDA was $125.9 million (up 2.6%); full-year adjusted EBITDA was $508.8 million, up 7.5%.
Free cash flow for 2025 was $180.5 million, up from $48.4 million in 2024; net cash from operating activities was $306 million, the highest since 2022.
Non-GAAP diluted EPS was $4.13, up $0.30 year-over-year; Q4 non-GAAP EPS was $1.01.
Net income declined to $73.2 million, down $50.3 million from the prior year.
Outlook and guidance
2026 consolidated revenue expected at $4.7–$4.95 billion, adjusted EBITDA at $500–$535 million, and non-GAAP EPS at $4–$4.35.
Free cash flow projected to increase to ~$200 million, aided by tax legislation benefits.
Q1 2026 guidance: revenue $1.16–$1.26 billion, adjusted EBITDA $120–$130 million, non-GAAP EPS $1.05–$1.15.
Management expects continued cash flow growth and further debt and leverage reduction.
Acima GMV and revenue to grow mid-single digits; Brigit revenue to grow over 30% to $265–$285 million; Rent-A-Center revenue expected flat to positive.
Brigit acquisition's ongoing non-GAAP costs
RAC's EBITDA decline vs. LCO rate improvement
Acima DTC channel's future growth potential
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Next Upbound Group earnings date
Q1 202630 Apr, 2026
Upbound Group
Next Upbound Group earnings date
Q1 202630 Apr, 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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