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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Upbound Group
Upbound Group (UPBD) investor relations material
Upbound Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 revenue was $1,146.2M, down 1.6% YoY; GAAP net earnings rose to $34.3M from $13.2M, while Adjusted EBITDA was $123.4M and non-GAAP diluted EPS was $1.01.
Adjusted EBITDA and non-GAAP EPS exceeded guidance; free cash flow more than doubled YoY to $121M, and net leverage declined to 2.4x.
Brigit grew revenue and earnings, Acima expanded profitability despite lower GMV, and Rent-A-Center recorded a fourth consecutive quarter of same-store sales growth.
Financial highlights
Q3 consolidated revenue was $1,146.2M versus $1,164.7M; gross profit rose 3.0% to $580.2M and operating profit rose 34.9% to $71.2M.
GAAP diluted EPS was $0.58 versus $0.22; non-GAAP diluted EPS was $1.01 versus $1.00.
Operating cash flow was $163.1M, up $73.2M YoY; free cash flow was $121M versus $50M.
9M revenue rose 0.9% to $3.529B; operating profit increased 22.1% to $202.9M and net earnings rose to $91.6M from $53.5M.
Outlook and guidance
FY26 guidance narrowed to revenue of $4.68B-$4.78B, Adjusted EBITDA of $510M-$525M and non-GAAP diluted EPS of $4.15-$4.30; the EPS midpoint increased.
Q4 guidance: revenue of $1.15B-$1.25B, Adjusted EBITDA of $125M-$135M and non-GAAP diluted EPS of $1.00-$1.10.
FY26 free cash flow is expected to be at least $250M, including estimated legal payments; operating cash flow is expected to be ~$400M.
Brigit outlook includes annualized revenue growth of ~35%, normalized to FY25 revenue of $290M-$300M, and Adjusted EBITDA of $55M-$65M.
Q4 Acima GMV is expected to be relatively flat YoY; Rent-A-Center FY revenue is expected flat to down low single digits, with an Adjusted EBITDA margin of ~14%.
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Latest events from Upbound Group
- FY revenue fell 6%, but profit rose; 2024 revenue guidance is $4.00B–$4.20B.UPBD
Q4 2023 - Q2 2026 revenue hit $1.2B, Brigit surged, Acima margins rose, and guidance was reaffirmed.UPBDQ2 2026
- Approval of the 2026 Long-Term Incentive Plan is recommended, replacing the 2021 Plan.UPBDProxy filing
- Q1 2026 saw higher revenue, profit, and cash flow, led by Brigit and Acima, with guidance reaffirmed.UPBDQ1 2026
- Key votes include director elections, executive pay, auditor ratification, and a new incentive plan.UPBDProxy filing
- Proxy covers director elections, auditor ratification, executive pay, and a new incentive plan.UPBDProxy filing
- Digital transformation and data-driven cross-selling fuel growth for a resilient, unified platform.UPBD28th Annual ICR Conference 2026
- Brigit leads growth, Acima expands digitally, and strong cash flow funds tech and strategic investments.UPBD47th Annual Raymond James Institutional Investor Conference
- Q3 revenue up 9.2% year-over-year, with strong segment growth and robust guidance.UPBDQ3 2024
Next Upbound Group earnings date
Q4 202618 Feb, 2027
Upbound Group
Next Upbound Group earnings date
Q4 202618 Feb, 2027
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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.