Q3 2025 Upbound Group Inc Earnings Call Transcript

Oct 30, 2025 / 01:00 PM GMT

Release Date Price: €19.8 (-1.98%)

Transcript 10-Q8-K

Key Points

Positve

Upbound Group Inc (UPBD) reported a 9% year-over-year increase in revenue, reaching $1.16 billion, and a 5.7% increase in adjusted EBITDA to $123.6 million.
The company strengthened its executive team by appointing a new Chief Financial Officer and Chief Growth Officer, both with extensive industry experience.
Bridget, a segment of Upbound Group Inc (UPBD), achieved a 40% revenue growth and a 27% increase in subscriber growth year over year.
Rent A Center showed sequential improvement in same-store sales and maintained robust adjusted EBITDA margins of 16.2%.
Upbound Group Inc (UPBD) generated over $50 million in free cash flow in the third quarter, contributing to a year-to-date total of $167 million.

Negative

AEMA segment experienced lower margins and higher loss performance due to recent tightening of underwriting, impacting GMV growth.
The macroeconomic environment, including inflation and potential tariff-related price adjustments, is pressuring consumer confidence and affecting demand.
AEMA's gross margins were negatively impacted by a shift towards the jewelry category, which has lower margins compared to furniture.
The company anticipates a low to mid single-digit decline in Rent A Center's top-line for the fourth quarter.
Upbound Group Inc (UPBD) expects AEMA's loss rates to peak in the fourth quarter at around 10% before improving in 2026.

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

UPBD.OQ - Upbound Group Inc
Q3 2025 Upbound Group Inc Earnings Call
Oct 30, 2025 / 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 Q3 2025 Upbound Group Inc earnings 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 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 today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Jeff Chestnut, head of IR. Please go ahead.

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Unidentified_2 [2]
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