The earnings call reflected a strong overall performance with significant growth in Acima and Brigit segments, contributing positively to the consolidated financial results. However, challenges in the Rent-A-Center segment and legal accruals present headwinds. The company's strategic focus on digital transformation and growth initiatives positions it well for future progress.

Company Guidance

In the second quarter of 2025, Upbound Group demonstrated strong financial performance, driven by significant growth across its segments. The company reported revenue of $1.16 billion, a 7.5% increase from the previous year, and adjusted EBITDA of $133 million, marking a 7% growth. The Acima segment continued its robust performance with a 16% year-over-year growth in GMV, marking its seventh consecutive quarter of GMV growth. Acima's revenue grew by 12% and its adjusted EBITDA increased by 15%, buoyed by operational leverage and a 30 basis point improvement in lease charge-off rates. The Brigit segment thrived with nearly a 40% increase in revenue, driven by a 20% growth in subscribers, and achieved an adjusted EBITDA margin of 28%. Meanwhile, Rent-A-Center experienced a 4% decline in same-store sales, primarily due to strategic underwriting adjustments, yet remained a strong cash generator with a lease charge-off rate of 4.7%. Overall, Upbound's consolidated results exceeded guidance metrics, with non-GAAP diluted EPS increasing 7.7% to $1.12, illustrating the company's disciplined risk management and strategic focus on digital growth and customer engagement.

Acima's Continued Growth

Acima achieved 16% year-over-year GMV growth, marking the seventh consecutive quarter of GMV growth. Segment revenue grew 12%, and adjusted EBITDA grew 15% with a 40 basis point lift in EBITDA margin.

Brigit's Strong Performance

Brigit reported nearly 40% revenue growth and over 20% growth in subscribers. The adjusted EBITDA margin was nearly 28%, exceeding expectations.

Consolidated Financial Results

Upbound Group's second quarter revenue increased by 7.5% to $1.16 billion. Adjusted EBITDA rose by 7% to $133 million, and non-GAAP diluted EPS increased by 7.7% to $1.12.

Free Cash Flow Improvement

Year-to-date free cash flow was $117 million, representing an improvement of more than 3x compared to the prior year.

Upbound Group (UPBD) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UPBD Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.98 / -	0.95	―	―	―
Jul 31, 2025	2025 (Q2)	1.06 / 1.12	1.04	7.69% (+0.08)
May 01, 2025	2025 (Q1)	0.95 / 1.00	0.79	26.58% (+0.21)
Feb 20, 2025	2024 (Q4)	1.03 / 1.05	0.81	29.63% (+0.24)
Oct 31, 2024	2024 (Q3)	0.93 / 0.95	0.79	20.25% (+0.16)
Aug 01, 2024	2024 (Q2)	1.03 / 1.04	1.11	-6.31% (-0.07)
May 02, 2024	2024 (Q1)	0.77 / 0.79	0.83	-4.82% (-0.04)
Feb 22, 2024	2023 (Q4)	0.77 / 0.81	0.86	-5.81% (-0.05)
Nov 02, 2023	2023 (Q3)	0.75 / 0.79	0.94	-15.96% (-0.15)
Aug 03, 2023	2023 (Q2)	0.75 / 1.11	1.15	-3.48% (-0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UPBD Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$24.36	$20.64	-15.27%
May 01, 2025	$19.60	$23.34	+19.08%
Feb 20, 2025	$28.20	$26.78	-5.04%
Oct 31, 2024	$25.91	$27.98	+7.99%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Upbound Group (UPBD) report earnings?

Upbound Group (UPBD) is schdueled to report earning on Oct 29, 2025, After Close (Confirmed).

What is Upbound Group (UPBD) earnings time?

Upbound Group (UPBD) earnings time is at Oct 29, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UPBD EPS forecast?

UPBD EPS forecast for the fiscal quarter 2025 (Q3) is 0.98.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing