Upbound Group (UPBD)
NASDAQ:UPBD
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Earnings Data
Report Date
Jul 30, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.05Last Year’s EPS
1.12Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a positive tone overall: management reported modest consolidated revenue growth, stronger profitability (EBITDA and EPS), solid cash generation and improved portfolio health driven by underwriting actions. Brigit delivered strong top-line and EBITDA growth and Acima and Rent‑A‑Center showed meaningful improvements in loss performance and margins despite volume impacts. Management reiterated full-year targets, emphasized disciplined capital allocation (dividend and deleveraging toward ~2x leverage), and highlighted strategic investments in technology and partnerships (Amazon, large furniture merchant) that should support future growth. Headwinds remain—primarily macro pressure on non‑prime consumers, a YoY decline in Acima GMV, Rent‑A‑Center revenue pressure, measured product rollout timing and expected legal/regulatory settlements—but these were presented as manageable and addressed through conservative underwriting and a focus on long-term unit economics.Company Guidance
Consolidated Revenue and Profitability Growth
Consolidated revenue of $1.2 billion, up 3.7% year-over-year; adjusted EBITDA of $136 million, up nearly 8% YoY; non-GAAP diluted EPS $1.08, up 8% YoY.
Strong Cash Generation and Deleveraging
Net cash provided by operating activities $171 million (up $23 million YoY); free cash flow $136 million (up from $127 million YoY); quarter-end liquidity ~$465 million; net debt ~$1.4 billion and leverage improved to 2.6x TTM adjusted EBITDA (from 2.9x at year-end).
Brigit Rapid Growth and Profitability
Brigit revenue $68 million (more than double Q1 2025; comparable growth >40% YoY); paying users ~1.6 million (+27% YoY); monthly ARPU +~12% to $14.41; net advance loss rate ~3.5%; adjusted EBITDA contribution ~$22.9 million (more than doubled YoY); guidance: annualized revenue growth >30% ($265M–$285M) and adjusted EBITDA $50M–$60M.
Improved Portfolio Health at Acima
Lease charge-offs improved to ~8.8% in Q1 (≈130 basis points sequential improvement); Acima revenue $649 million (+~2% YoY); adjusted EBITDA $89 million (+~4% YoY) and adjusted EBITDA margin 13.7% (+40 bps YoY).
Stabilization and Same-Store Sales at Rent-A-Center
Rent‑A‑Center same-store sales growth for the second consecutive quarter (+~40 basis points in Q1); lease charge-offs ~4.7% (20 bps sequential decrease); segment adjusted EBITDA $67 million despite revenue pressures.
Strategic Partnerships and Distribution Expansion
New Amazon order pickup/return partnership rolling out to >1,700 corporate Rent‑A‑Center stores (pilot showed ~50 additional customers per store per week), and a revised merchant agreement providing Acima exclusive checkout placement with the country's largest e‑commerce furniture retailer, expected to drive meaningful GMV in H2.
Clear 2026 Financial Targets and Capital Allocation
Reiterated 2026 consolidated targets: revenue $4.7B–$4.95B, adjusted EBITDA $500M–$535M, non-GAAP EPS $4.00–$4.35, and free cash flow ~ $200M; guidance includes disciplined capital allocation, $0.39 quarterly dividend (~$23M paid) and continued focus on deleveraging toward ~2x leverage.
Leadership and Tech Investment
Key senior hires including new CTO, CFO and Chief Growth Officer; enterprise focus on data, analytics and AI to improve underwriting, personalization and operating efficiency; continued investments in technology modernization and digital capabilities.
UPBD Earnings History
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 |
|---|---|---|---|
Apr 30, 2026 | $18.94 | $19.76 | +4.33% |
Feb 19, 2026 | $20.43 | $21.72 | +6.32% |
Oct 30, 2025 | $22.12 | $18.51 | -16.31% |
Jul 31, 2025 | $22.94 | $19.43 | -15.29% |
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 Jul 30, 2026, After Close (Confirmed).
What is Upbound Group (UPBD) earnings time?
Upbound Group (UPBD) earnings time is at Jul 30, 2026, 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 2026 (Q2) is 1.05.