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Dec 31, 2025
Upbound Q4 2025 Earnings Report
Upbound reported fourth quarter 2025 net income of 19743000 and consolidated revenue of 1196400000.
Key Takeaways
Upbound generated Q4 2025 revenue of 1196400000 and net income of 19743000, with GAAP diluted EPS of 0.34 and non-GAAP diluted EPS of 1.01. Consolidated adjusted EBITDA was 125899000, driven by solid performance across Acima, Rent-A-Center and Brigit.
Total revenue was 1196400000 in Q4 2025.
Net income was 19743000 with GAAP EPS of 0.34.
Non-GAAP diluted EPS was 1.01 for the quarter.
Adjusted EBITDA reached 125899000 on a consolidated basis.
Revenue by Segment
Forward Guidance
For full year 2026, Upbound expects consolidated revenues between 4700000000 and 4950000000 and adjusted EBITDA excluding SBC between 500000000 and 535000000, with non-GAAP diluted EPS of 4.00 to 4.35.
Positive Outlook
- 2026 revenue guidance range of 4700000000 to 4950000000.
- Adjusted EBITDA excluding SBC expected between 500000000 and 535000000.
- Non-GAAP diluted EPS guidance of 4.00 to 4.35.
- Diversified platform across Acima, Brigit and Rent-A-Center.
- Strong adjusted EBITDA generation in Q4 2025.
Challenges Ahead
- Net income declined year-over-year in Q4.
- Corporate segment reported operating losses.
- Exposure to regulatory and legal matters.
- Macroeconomic uncertainty impacting underserved consumers.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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