Q2 2026 Upbound Group Inc Earnings Call Transcript

Jul 30, 2026 / 01:00 PM GMT

Release Date Price: €18.16 (-3.28%)

Transcript 10-Q8-K

Key Points

Positve

Bridget revenue grew 37% year-over-year, with paying subscribers up 30% to 1.7 million.
Acima lease charge-offs improved 50 basis points year-over-year to 8.8%, reflecting better portfolio quality.
Rent-A-Center same-store sales grew 1.6% for the third consecutive quarter, showing resilience.
Free cash flow surged to $84 million from $10 million a year ago, driven by strong operating cash generation.
Leverage ratio improved to 2.6x from 2.9x at year-end 2025, with a target of 2x long-term.

Negative

Acima GMV fell 11% year-over-year due to underwriting tightening, cyber incidents, and macro headwinds.
Cybersecurity incidents led to $13 million in fraudulent contract losses in the Acima segment.
Rent-A-Center adjusted EBITDA declined 8% year-over-year due to store optimization costs and higher fixed expenses.
Consolidated adjusted EBITDA fell to $127 million from the prior year, pressured by marketing timing and fixed costs.
Macroeconomic pressures on non-prime consumers dampened demand for large-ticket discretionary items like furniture.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

UPBD.OQ - Upbound Group Inc
Q2 2026 Upbound Group Inc Earnings Call
Jul 30, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and thank you for standing by.

Welcome to the Q2 2026 Upbound Group in Kerning's conference call.

At this time, all participants are in a listen-only mode.

After the speaker's presentation, there will be a question-and-answer session.

To ask a question during the session, you will need a 11 on your telephone, you will then hear an automated message advising your hand is raised.

To withdraw your question, please press star 11 again.

Please be advised that today's conference is being recorded, I would now like to hand the conference over to your first speaker today, Abraham Albert, Senior Vice President of Finance.

Please go ahead.

Good morning.

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