Upbound Group (UPBD) Q4 2025 Earnings Transcript

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Thursday, Feb. 19, 2026 astatine 9 a.m. ET

• Chief Executive Officer — Sami B. Sulaiman

• Chief Financial Officer — Hal Khouri

Sami B. Sulaiman, our Chief Executive Officer, and Hal Khouri, our Chief Financial Officer. As a reminder, immoderate of the statements provided connected this telephone are forward-looking and are taxable to factors that could origin existent results to disagree materially and adversely from our expectations. These factors are described successful our net merchandise arsenic good arsenic successful the company's Form 10-Ks and different SEC filings. Upbound Group, Inc. undertakes nary work to publically update oregon revise immoderate forward-looking statements but arsenic required by law. This telephone volition besides see references to non-GAAP fiscal measures.

Please notation to today's net release, which tin beryllium recovered connected our website, for a statement of the non-GAAP fiscal measures and the reconciliations to the astir comparable GAAP fiscal measures. Finally, Upbound Group, Inc. is not liable for and does not edit oregon warrant the accuracy of our net merchandise teleconference transcripts provided by 3rd parties. Please notation to our website for the lone authorized webcast. With that, I volition present crook the telephone implicit to Sami.

Sami B. Sulaiman: Thank you, Steven, and bully morning, everyone.

Sami B. Sulaiman: I volition statesman with a reappraisal of cardinal highlights from 2025, past I volition manus it disconnected to Hal for a much elaborate reappraisal of our fiscal results and our fiscal outlook.

Sami B. Sulaiman: After that, we volition instrumentality immoderate questions. As we bespeak connected the past year, it is wide that 2025 marked a play of important advancement for Upbound Group, Inc. arsenic we execute against our strategical priorities. Since taking connected the CEO relation successful June, pursuing my tenure arsenic CFO, I person been anxious to physique upon our caller momentum and to steer Upbound done our ongoing translation into a starring integer and data-driven level of fiscal solutions for underserved consumers. In 2025, crossed each of our brands, we served implicit 3,500,000 customers. Over the past 8 months, my optimism astir what is imaginable and the accidental successful beforehand of america has lone grown.

Our team's dedication and shared imaginativeness person driven cardinal achievements that we judge powerfully presumption Upbound for continued occurrence and semipermanent growth. During 2025, we expanded our concern by adding a caller segment, Bridget.

Sami B. Sulaiman: A starring subscription-based fiscal wellness exertion company, further diversifying our complementary offerings and strengthening our quality to service our halfway customer. In addition, we welcomed 2 accomplished executives to our enactment team. I volition commencement with Hal, our caller CFO, who is connected his archetypal Upbound earnings