Q4 2025 Upbound Group Inc Earnings Call Transcript

Feb 19, 2026 / 02:00 PM GMT

Release Date Price: MXN461

Transcript 10-K8-K

Key Points

Positve

Upbound Group Inc (UPBD) achieved a record full-year revenue of approximately $4.7 billion, surpassing previous records.
The acquisition of Bridget, a subscription-based financial health technology company, has diversified UPBD's offerings and contributed to significant revenue growth.
UPBD's direct-to-consumer marketplace experienced substantial growth, with GMV growing more than 100% year over year.
The company has successfully integrated new leadership, including a Chief Growth Officer, to drive digital transformation and data-driven solutions.
UPBD reported strong cash flow generation in 2025, with free cash flow increasing over $130 million year over year.

Negative

UPBD's adjusted EBITDA margins decreased by 90 basis points year over year in the fourth quarter.
The company faced elevated loss rates in its Asima segment, with a fourth-quarter loss rate of 10.1%, up 110 basis points year over year.
Bridget's growth was slightly below initial expectations due to delays in new product rollouts and macroeconomic uncertainties.
The Rent A Center segment experienced a decline in adjusted EBITDA, down approximately 13% from the fourth quarter of 2024.
UPBD's net leverage ratio increased to approximately 2.9 times due to the Bridget acquisition, above the prior year's ratio.

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

UPBD.OQ - Upbound Group Inc
Q4 2025 Upbound Group Inc Earnings Call
Feb 19, 2026 / 02:00PM 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 Upbound Group Inc. 4th quarter 2025 earnings conference call. At this time, all participants are in Alyss only mode. After the speaker's presentation, there'll be a question-and-answer session. To ask a question during the session, you'll need to press 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press 11 again. Please be advised that these conference is being recorded. I would like to end the conference over to your speaker today, Steven Coss, about investor relations. Please go ahead.

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Unidentified_2 [2]
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