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Upbound Group, Inc. (UPBD)
NASDAQ:UPBD
Earnings Data
Report Date
Apr 30, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.07Last Year’s EPS
1Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a predominantly positive picture: record full-year revenue, growth in adjusted EBITDA and EPS, materially stronger cash flow, and clear 2026 guidance that implies stability or growth across segments. High-growth assets (Bridget) and momentum at Acima and Rent‑A‑Center provide catalysts. Notable headwinds include margin compression, elevated loss rates (particularly at Acima), Rent‑A‑Center EBITDA decline, Bridget product rollout delays, legal accruals, and elevated leverage. Management has articulated focused priorities — disciplined underwriting, investments in data/technology, targeted cost actions, and a plan to reduce leverage — which support a constructive outlook despite near-term challenges.Company Guidance
Record Full-Year Revenue
Full-year 2025 revenue grew 8.7% to approximately $4.7 billion — the highest full-year revenue on record for Upbound, surpassing the prior record in FY2021.
Improved Profitability and Cash Generation
Adjusted EBITDA for 2025 was nearly $510 million, up 7.5% year over year. Non-GAAP diluted EPS was $4.13, up 7.8% from $3.83 in 2024. Free cash flow was ~$180 million, increasing by over $130 million year over year; net cash provided by operations was ~$306 million, up over $200 million year over year.
Bridget: Rapid User and Revenue Growth
Bridget finished Q4 with ~1.6 million paid subscribers (nearly +30% YoY), monthly ARPU of $14.15 (≈+10% YoY), Q4 revenue of $64.6 million (+41.5% YoY), and Q4 adjusted EBITDA of $11.1 million with a 17.2% margin. 2026 guidance expects Bridget revenue of $265M–$285M (>30% annual growth) and adjusted EBITDA $50M–$60M.
Acima GMV and Revenue Momentum
Acima Q4 GMV was nearly $550 million (highest since acquisition) with GMV up modestly (~+40 bps YoY). Acima revenue grew 8.6% YoY (its ninth consecutive quarter of revenue growth); Q4 adjusted EBITDA was $87 million (+7.3% YoY). Direct-to-consumer marketplace GMV grew >100% YoY in 2025 and now accounts for ~10% of Acima GMV.
Rent‑A‑Center Stabilization and Improved Same‑Store Sales
Rent‑A‑Center trends improved into H2 2025: Q4 same-store sales grew 80 basis points YoY (improving 40 bps sequentially), Q4 revenue was nearly $480 million (flat YoY), loss rate improved to 4.9% (down 10 bps YoY), and portfolio value ended the year up ~11% YoY, indicating stabilization after underwriting adjustments.
Clear 2026 Outlook and Capital Allocation Priorities
Company provided 2026 consolidated guidance: revenue $4.7B–$4.95B, adjusted EBITDA $500M–$535M, non‑GAAP EPS $4.10–$4.35, and free cash flow ~ $200M. Management prioritized reinvestment, deleveraging (target long-term leverage ~2x), sustaining dividends, and opportunistic buybacks.
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 |
|---|---|---|---|
Feb 19, 2026 | $20.88 | $22.20 | +6.32% |
Oct 30, 2025 | $22.61 | $18.92 | -16.31% |
Jul 31, 2025 | $23.45 | $19.86 | -15.29% |
May 01, 2025 | $18.86 | $22.46 | +19.10% |
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, Inc. (UPBD) report earnings?
Upbound Group, Inc. (UPBD) is schdueled to report earning on Apr 30, 2026, After Close (Confirmed).
What is Upbound Group, Inc. (UPBD) earnings time?
Upbound Group, Inc. (UPBD) earnings time is at Apr 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 (Q1) is 1.07.