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Upbound Group, Inc. UPBD Q4 2025 Annual earnings

Reported February 19, 2026 · Before market open

Revenue$1.2BBeat by $24.5M
EPS$1.01Beat by $0.04
Revenue estimate$1.2B
EPS estimate$0.97

Next report

Oct 29, 2026 (in 3 months)
Revenue estimate$1.2B
EPS estimate$0.98

Financials

Q4 2025

Income statement

See full
Revenue$1.2B+10.9%
Gross profit$586.7M+15.4%
Operating income$57.2M-27.7%
Net income$19.7M-36.3%
EPS (diluted)$0.34-38.2%

Balance sheet

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Cash & equivalents$120.5M+98.0%
Total debt$286.8M+5.1%
Total equity$695.7M+10.6%
Total assets$3.3B+23.6%

Cash flow

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Operating cash flow$41.6M—
CapEx$17.5M+45.1%
Free cash flow$24.0M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.02B-36.3%
Enterprise value$1.18B-34.6%
P/E13.9×+1.0×
P/S0.2×-0.2×

Profitability

See full
Gross margin48.4%+0.2pp
Operating margin4.8%-2.0pp
Net margin1.6%-1.3pp
FCF margin5.5%—

Returns & leverage

See full
Return on equity11.1%-9.7pp
Debt / equity0.4×0.0×

Segments

By segment

See full
Acima$631.0M+8.6%
Rent-A-Center$479.9M0.0%
Brigit$64.6M—
Mexico$20.9M+14.7%

By geography

See full
United States$1.2B+8.8%
MX$19.8M+0.8%

Versus estimates

Revenue

Q2 2026$1.2BMiss by $750.0KQ1 2026$1.2BMiss by $6.7M
Q4 2025$1.2BBeat by $24.5M
Q3 2025$1.2BMiss by $10.8MQ2 2025$1.2BBeat by $11.6MQ1 2025$1.2BBeat by $27.8M

Diluted EPS

Q2 2026$1.07In lineQ1 2026$1.08Beat by $0.02
Q4 2025$1.01Beat by $0.04
Q3 2025$1.00Beat by $0.02Q2 2025$1.12Beat by $0.07Q1 2025$1.00Beat by $0.06

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Questions, answered.

When did Upbound Group, Inc. report Q4 2025 earnings?
Upbound Group, Inc. (UPBD) reported Q4 2025 earnings on February 19, 2026 before market open.
What were Upbound Group, Inc.'s Q4 2025 revenue and EPS?
Upbound Group, Inc. reported revenue of $1.2B and eps of $1.01 for Q4 2025.
Did Upbound Group, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $1.2B by $24.5M. EPS beat the consensus estimate of $0.97 by $0.04.
How did Upbound Group, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.9% from $1.1B a year earlier and eps declined 3.8% from $1.05.
Where can I find Upbound Group, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000933036-26-000005) and the 10-K periodic report (0000933036-26-000008) directly on SEC EDGAR. The filing index links above go to sec.gov.