Cash flow and Brigit growth lift Upbound Group (NASDAQ: UPBD) Q1 2026

Q: How did Upbound Group (UPBD) perform financially in Q1 2026?

Upbound Group posted Q1 2026 revenue of $1.22 billion , up 3.7% year-over-year, with GAAP net earnings of $35.8 million . GAAP diluted EPS rose to $0.61 , while non-GAAP diluted EPS increased to $1.08 and Adjusted EBITDA reached $136.1 million .

Q: What were the key segment results for Upbound Group (UPBD) in Q1 2026?

In Q1 2026, Acima revenue was $648.7 million (up 1.8%), Rent-A-Center revenue was $481.6 million (down 1.5%) with 0.4% same store sales growth, and Brigit revenue reached $67.7 million , growing more than 40% year-over-year for comparable months.

Q: How strong was Upbound Group’s (UPBD) cash flow and balance sheet in Q1 2026?

Upbound generated $170.7 million in net cash from operating activities and $135.9 million in free cash flow in Q1 2026. This supported dividends, capital spending, debt reduction, and helped lower the company’s net leverage ratio to 2.6x Adjusted EBITDA at quarter-end.

Q: What is Upbound Group’s (UPBD) outlook for Q2 2026?

For Q2 2026, Upbound expects consolidated revenue between $1.10 billion and $1.20 billion , Adjusted EBITDA of $120–$130 million , and non-GAAP diluted EPS of $1.00–$1.10 . These ranges assume continued disciplined underwriting and steady performance across Acima, Brigit, and Rent-A-Center.

Q: How is Brigit contributing to Upbound Group’s (UPBD) growth?

Brigit delivered Q1 2026 revenue of $67.7 million , growing more than 40% year-over-year for comparable months. Paying users increased to about 1.56 million , up roughly 27%, while ARPU rose 11.9% to $14.41 , highlighting greater engagement with its financial wellness offerings.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Upbound Group, Inc. reported first quarter 2026 results showing moderate growth and improved profitability. Consolidated revenue was $1.22 billion, up 3.7% year-over-year, with GAAP net earnings of $35.8 million and GAAP diluted EPS of $0.61, up from $0.42 a year earlier.

Non-GAAP diluted EPS was $1.08 versus $1.00, and Adjusted EBITDA rose 7.9% to $136.1 million, giving an 11.2% margin. Brigit revenue grew more than 40% to $67.7 million with paying users up about 27% to 1.56 million and ARPU of $14.41. Acima revenue increased 1.8% to $648.7 million with an 8.8% lease charge-off rate, while Rent-A-Center revenue dipped 1.5% to $481.6 million but delivered 0.4% same store sales growth.

Operating cash flow reached $170.7 million, supporting free cash flow of $135.9 million, dividends of $0.39 per share and debt reduction that lowered the net leverage ratio to 2.6x. For full year 2026, Upbound reaffirmed guidance for revenue of $4.70–$4.95 billion, Adjusted EBITDA of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35, and guided Q2 revenue to $1.10–$1.20 billion with non-GAAP EPS of $1.00–$1.10.

Insights

Upbound delivered steady Q1 growth, stronger cash flow, and reaffirmed 2026 guidance.

Upbound Group grew Q1 2026 revenue to $1.22 billion, up 3.7%, while GAAP net earnings increased to $35.8 million. Non-GAAP diluted EPS rose to $1.08, and Adjusted EBITDA reached $136.1 million, reflecting modest margin expansion.

Segment trends were mixed but generally constructive. Brigit more than doubled revenue year-over-year to $67.7 million (for comparable months), with paying users up about 27% and ARPU up 11.9%. Acima revenue grew 1.8% to $648.7 million and its lease charge-off rate improved to 8.8%. Rent-A-Center saw revenue decline 1.5% yet delivered 0.4% same store sales growth.

Cash generation was a clear highlight: operating cash flow of $170.7 million supported free cash flow of $135.9 million, dividends and debt paydown, reducing net leverage from 2.9x to 2.6x as of Q1 2026. Management reaffirmed full-year 2026 guidance for revenue of $4.70–$4.95 billion, Adjusted EBITDA of $500–$535 million, and non-GAAP EPS of $4.00–$4.35, and issued Q2 ranges, signaling confidence in the current outlook.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Consolidated revenue: $1,219.7 million GAAP net earnings: $35.8 million GAAP diluted EPS: $0.61 per share +5 more

8 metrics

Consolidated revenue $1,219.7 million Q1 2026, up 3.7% year-over-year

GAAP net earnings $35.8 million Q1 2026, vs $24.8 million in Q1 2025

GAAP diluted EPS $0.61 per share Q1 2026, compared to $0.42 in Q1 2025

Non-GAAP diluted EPS $1.08 per share Q1 2026, vs $1.00 in Q1 2025

Adjusted EBITDA $136.1 million Q1 2026, up 7.9% year-over-year; 11.2% margin

Operating cash flow $170.7 million Net cash provided by operating activities in Q1 2026

Net leverage ratio 2.6x Net debt to last twelve months Adjusted EBITDA as of Q1 2026

Brigit paying users 1,558,451 users Q1 2026 paying users, approximately 27% year-over-year growth

Key Terms

Adjusted EBITDA, non-GAAP diluted earnings per share, lease charge-off rate, same store sales, +1 more

5 terms

Adjusted EBITDA financial

"Adjusted EBITDA1 increased 7.9% year-over-year to $136.1 million."

Adjusted EBITDA is a way companies measure how much money they make from their core operations, like running a business, by removing certain costs or income that aren’t part of regular business activities. It helps investors see how well a company is doing without distractions from unusual expenses or gains, making it easier to compare companies or track performance over time.

lease charge-off rate financial

"Acima revenue increased approximately 1.8% year-over-year to $649 million, while lease charge-off rate4 improved to 8.8%."

The lease charge-off rate is the percentage of leased accounts a lender or lessor has written off as uncollectible during a given period, effectively the portion of lease payments they no longer expect to receive. Investors watch this metric as a quick snapshot of credit losses and the health of a leasing portfolio—rising charge-off rates are like more holes in a bucket, signaling higher losses, pressure on profits and potential need for bigger reserves.

same store sales financial

"Rent-A-Center same store sales5 grew 0.4% year-over-year."

Same store sales measure the change in revenue generated by stores that have been open for at least a year, comparing current sales to past periods. It helps investors see how well a business is growing from its existing locations, without the influence of new store openings or closures. This metric provides a clearer picture of ongoing performance and customer demand.

net leverage ratio financial

"Net leverage ratio was 2.6x at quarter-end, down from 2.9x at year-end."

The net leverage ratio measures how much debt a company has compared to its available assets or earnings, after accounting for its cash and liquid assets. It helps investors understand how heavily a company relies on borrowed money to finance its operations and growth. A higher ratio indicates greater financial risk, while a lower ratio suggests a more cautious approach to borrowing.

Earnings Snapshot

Revenue: $1,219.7 million · Guidance included

Q1 2026

Revenue $1,219.7 million +3.7% YoY

Net earnings $35.8 million margin 2.9% vs 2.1% prior-year period

GAAP diluted EPS $0.61 up from $0.42 in Q1 2025

Non-GAAP diluted EPS $1.08 up from $1.00 in Q1 2025

Adjusted EBITDA $136.1 million +7.9% YoY; margin 11.2% vs 10.7%

Guidance

For full year 2026, Upbound reaffirms revenue of $4.70–$4.95 billion, Adjusted EBITDA of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35. For Q2 2026, it expects revenue of $1.10–$1.20 billion, Adjusted EBITDA of $120–$130 million, and non-GAAP EPS of $1.00–$1.10.

Understanding 8-K Material Events →

04/30/2026 - 07:18 AM

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________________________________

FORM 8-K

__________________________________________________

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report:

(Date of earliest event reported)

April 30, 2026

___________________________________________________

UPBOUND GROUP, INC.

(Exact name of registrant as specified in charter)

___________________________________________________

Delaware

001-38047

45-0491516

(State or other jurisdiction of
incorporation or organization)

(Commission
File Number)

(IRS Employer
Identification No.)

5501 Headquarters Drive

Plano, Texas 75024

(Address of principal executive offices and zip code)

(972) 801-1100

(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425).
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12).
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)).
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)).

Securities Registered Pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $.01 Par Value	UPBD	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).


Emerging growth company	☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.		☐

Item 2.02 Results of Operations and Financial Condition.

On April 30, 2026, Upbound Group, Inc. issued a press release announcing its financial results for the quarter ended March 31, 2026. Copies of the press release and earnings release are attached hereto as Exhibits 99.1 and 99.2, respectively, and are incorporated herein by reference. The information contained in this paragraph, as well as Exhibits 99.1 and 99.2 referenced herein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 7.01 Regulation FD Disclosure.

On April 30, 2026, Upbound Group, Inc. issued an investor presentation announcing its financial results for the quarter ended March 31, 2026. A copy of the investor presentation is furnished herewith as Exhibit 99.3 and is incorporated herein by reference. The information contained in this paragraph, as well as Exhibit 99.3 referenced herein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.


Exhibit No.						Description
99.1						Press release, dated April 30, 2026
99.2						Earnings release, dated April 30, 2026
99.3						Investor Presentation, dated April 30, 2026
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

UPBOUND GROUP, INC.

Date:

April 30, 2026

By:

/s/ Hal Khouri

Hal Khouri

EVP, Chief Financial Officer

Upbound Group, Inc. Reports First Quarter 2026 Results April 30, 2026 PLANO, Texas--(BUSINESS WIRE)--Apr. 30, 2026-- Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter ended March 31, 2026. The earnings release, financial tables and related materials can be found on the Company's investor relations website at https://investor.upbound.com. Today at 9 a.m. ET, Fahmi Karam, Chief Executive Officer, and Hal Khouri, Chief Financial Officer, will host a conference call to review the Company’s financial results. Interested parties can access a live webcast of the conference call via this link (Webcast Link) or through the Company's investor relations website. First Quarter 2026 Highlights1 Continued Topline Growth: Consolidated revenue increased 3.7% year-over-year to $1.2 billion. Brigit Demonstrates Ongoing Expansion: Brigit revenue increased more than 40% year-over-year, supported by double-digit growth in paying subscribers2 and ARPU3. Acima Shows Disciplined Execution: Acima revenue increased approximately 1.8% year-over-year to $649 million, while lease charge-off rate4 improved to 8.8%, down 130 basis points sequentially. Rent-A-Center Progress Continues: Rent-A-Center same store sales5 grew 0.4% year-over-year, alongside a 20 basis point sequential improvement in lease charge-off rate. Robust Cash Flow Generation: The Company reported $171 million of net cash provided by operating activities, an increase of $23 million year-over-year. 2026 Outlook Reaffirmed: For fiscal year 2026, the Company reaffirms its expectation for consolidated revenue of between $4.70 billion and $4.95 billion, Adjusted EBITDA6 of between $500 million and $535 million, and non-GAAP diluted EPS6 of between $4.00 and $4.35. For the second quarter of 2026, the Company expects consolidated revenue of between $1.1 billion and $1.2 billion, Adjusted EBITDA6 of between $120 million and $130 million, and non-GAAP diluted EPS6 of between $1.00 and $1.10. About Upbound Group, Inc. Upbound Group, Inc. (NASDAQ: UPBD), is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The Company’s customer-facing operating units include industry-leading brands such as Acima®, Brigit™, and Rent-A-Center® that facilitate consumer transactions across a wide range of store-based and digital channels in the United States, Mexico and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas. For additional information about the Company, please visit our website Upbound.com. (1) The selected highlights referenced herein do not provide a complete review of the Company’s results for the quarter or updated guidance and outlook. Please refer to the Company’s full earnings release and related materials, as noted in this release, for additional information. (2) Brigit Paying Subscribers: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments. (3) ARPU: Average monthly revenue per Brigit Paying Subscriber, where Brigit Paying Subscriber is defined in footnote 2 above. (4) Lease Charge-Offs: Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period. For the Rent-A-Center segment, LCOs exclude Get It Now, Home Choice, and Franchisee-owned Rent-A-Center locations. (5) Same Store Sales (SSS): Same store sales generally represents revenue earned in Company-owned Rent-A-Center stores that were operated by us for 13 months or more and are reported on a constant currency basis as a percentage of total revenue earned in stores of the segment during the indicated period. The Company excludes from the same store sales base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store sales base in the 30th full month following account transfer. (6) See “Non-GAAP Financial Measures” below for the definitions and other information regarding our non-GAAP financial measures included in this release. Forward-Looking Statements

This release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including, among others, statements regarding our 2026 financial guidance and other statements regarding our future outlook and other non-historical items. Such forward-looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," "expect," "intend," "could," "estimate," "predict," "continue," “maintain,” "should," "anticipate," "believe," or “confident,” or the negative thereof or variations thereon or similar terminology. Such forward-looking statements are based on particular assumptions that our management has made in light of its experience and its perception of expected future developments and other factors that it believes are appropriate under the circumstances, and are subject to various risks and uncertainties. Factors that could cause or contribute to material and adverse differences between actual and anticipated results include, but are not limited to, (1) the general strength of the economy and other economic conditions affecting consumer preferences, spending and payment behaviors, including the availability of credit to the Company's target consumers and to other consumers, impacts from continued inflation, central bank monetary policy initiatives to address inflation concerns and a possible recession or slowdown in economic growth, (2) risks described in our full first quarter 2026 earnings release and related materials, and (3) the other risks detailed from time to time in the reports filed by us with the Securities and Exchange Commission, including our Annual Report on Form 10-K for the year ended December 31, 2025, and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2026, as well as subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K. You are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this release. Except as required by law, we are not obligated to, and do not undertake to, publicly release any revisions to these forward-looking statements to reflect any events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. Non-GAAP Financial Measures This release contains certain financial information determined by methods other than in accordance with U.S. Generally Accepted Accounting Principles (GAAP), including (1) Non-GAAP diluted earnings per share (net earnings or loss, as adjusted for special items (as defined below), net of taxes, divided by the number of shares of our common stock on a fully diluted basis) and (2) Adjusted EBITDA (net earnings before interest, taxes, stock-based compensation, depreciation and amortization, as adjusted for special items) on a consolidated basis. “Special items” refers to certain gains and charges we view as extraordinary, unusual or non-recurring in nature or which we believe do not reflect our core business activities, and, for historical items, are reported as Other Gains and Charges in our Consolidated Statements of Operations. Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to forecasted non-GAAP measures without unreasonable effort. These non-GAAP measures are additional tools intended to assist our management in comparing our performance on a more consistent basis for purposes of business decision-making by removing the impact of certain items management believes do not directly reflect our core operations. These measures are intended to assist management in evaluating operating performance and liquidity, comparing performance and liquidity across periods, planning and forecasting future business operations, helping determine levels of operating and capital investments and identifying and assessing additional trends potentially impacting our Company that may not be shown solely by comparisons of GAAP measures. Consolidated Adjusted EBITDA is also used as part of our incentive compensation program for our executive officers and others. We believe these non-GAAP financial measures also provide supplemental information that is useful to investors, analysts and other external users of our consolidated financial statements in understanding our financial results and evaluating our performance and liquidity from period to period. However, non-GAAP financial measures have inherent limitations and are not substitutes for, or superior to, GAAP financial measures, and they should be read together with our consolidated financial statements prepared in accordance with GAAP. Further, because non-GAAP financial measures are not standardized, it may not be possible to compare such measures to the non-GAAP financial measures presented by other companies, even if they have the same or similar names. View source version on businesswire.com: https://www.businesswire.com/news/home/20260430347950/en/ Upbound Investor Relations: investor.relations@upbound.com 972-801-1103 Source: Upbound Group, Inc.

Achieves Q1 2026 Targets for Revenue, Adjusted EBITDA, and Non-GAAP Diluted EPS Brigit Momentum Propels Growth, Acima LCOs Below 9%, Rent-A-Center Positive Same Store Sales Total Revenue CEO Commentary “The first quarter represented a solid start to 2026 for Upbound. We executed well in a difficult operating environment, delivered results in line with our financial targets, and generated robust cash flow while continuing to strengthen the platform and advance key strategic initiatives,” said CEO Fahmi Karam. “Across our organization, we’re advancing the priorities we outlined for the year — building a more connected, tech-enabled financial platform, reinforcing underwriting discipline, and investing in shared data and innovative digital capabilities that improve how we serve customers across our brands. Each of our segments plays a distinct role, and together they demonstrate the benefits of our diversified model.” “Looking ahead, our focus remains on executing growth initiatives while maintaining our prudent approach to underwriting and risk management. While the environment remains challenging for the non-prime consumer, we believe our approach positions us well to sustain strong profitability, scale capabilities thoughtfully, and drive long-term shareholder value,” concluded Mr. Karam. Upbound Group, Inc. Earnings Release April 30, 2026 First Quarter 2026 Results & Key Metrics First Quarter Consolidated Results • Consolidated revenue of $1,219.7 million increased $43.4 million, or 3.7%, year-over-year. • GAAP operating profit of $77.4 million and non-GAAP operating profit1 of $115.9 million, compared to $62.6 million of GAAP operating profit and $105.9 million of non-GAAP operating profit in the prior year period. First quarter 2026 GAAP operating profit margin was 6.3%, compared to 5.3% in the prior year period. • Net earnings on a GAAP basis of $35.8 million, compared to $24.8 million in the prior year period, an $11.0 million increase. Net profit margin of 2.9% increased 80 bps year-over-year. • Adjusted EBITDA1 increased 7.9% year-over-year to $136.1 million. • Adjusted EBITDA margin1 of 11.2% increased 50 basis points compared to the prior year period. • GAAP diluted earnings per share was $0.61, compared to GAAP diluted earnings per share of $0.42 in the prior year period. • Non-GAAP diluted earnings per share1, which excludes the impact of special items described at the end of this release, was $1.08 for the first quarter of 2026, compared to $1.00 in the prior year period. • Sequential improvement in lease-to-own charge-off performance, with Acima LCO rate decreasing 130 bps sequentially and Rent- A-Center LCO rate decreasing 20 bps sequentially. Acima LCO rate decreased 10 bps year-over-year while Rent-A-Center LCO rate increased 10 bps year-over-year. • Quarterly dividend per share of $0.39, or $1.56 annualized. 1 (1)Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this release. $1,220M Total Revenue GAAP Diluted EPS $0.61 Non-GAAP Diluted EPS1 Net Earnings $36M Adjusted EBITDA1 $1.08$136M Quarterly Dividend Per Share $0.39

$67.7M +40.7% y/y 1.56M +26.7% y/y • Paying subscribers increased over 328k, or approximately 27%, y/y. • Average monthly revenue per user (ARPU) increased 11.9% y/y, driven by increased shift towards Brigit's Premium tier, deeper engagement with marketplace offers, and higher expedited transfer revenue. • Net advance loss rate increased 110 bps y/y and remained flat sequentially. • Net earnings of $18.6M with a net profit margin of 27.4%, and Adjusted EBITDA of $22.9M with an Adjusted EBITDA margin of 33.9%. Total Revenue1 Paying Subscribers 3.5% +110 bps y/y $14.41 +11.9% y/y Net Advance Loss Rate ARPU LCO Rate First Quarter Segment Highlights $648.7M +1.8% y/y $77.3M +4.8% y/y • Revenue of $648.7M increased approximately 1.8% y/y. • GMV decreased approximately 6% y/y in the first quarter, with GMV from the Acima direct-to-consumer marketplace increasing approximately 9% y/y. • Lease charge-off rate decreased 10 bps y/y and 130 bps compared to the fourth quarter. • Net earnings margin was 11.9%, an increase of 30 bps from the prior year period, and Adjusted EBITDA margin was 13.7%, an increase of 40 bps y/y. Total Revenue Net Earnings 8.8% -10 bps y/y $88.6M +4.3% y/y LCO Rate Adjusted EBITDA2 $481.6M -1.5% y/y $62.3M -6.2% y/y • Company-owned same store sales increased 0.4% y/y, while consolidated segment revenue of $481.6M decreased approximately 1.5% y/y. • Average portfolio value per store increased approximately 1.4% y/y. • Lease charge-offs for company-owned Rent-A-Center stores were 4.7%, increasing 10 bps y/y and decreasing 20 bps sequentially. • Net earnings of $62.3M and Adjusted EBITDA of $67.4M decreased 6.2% and 6.5% y/y, respectively. Total Revenue Net Earnings 4.7% +10 bps y/y $67.4M -6.5% y/y Adjusted EBITDA2 2 Note: Definitions of certain key performance metrics are available on page five of this release. (1) Upbound acquired Brigit on January 31, 2025. The figure provided for Q1 2026 revenue reflects the full quarter, while the percentage change reflects only February and March 2026 relative to the corresponding prior year period. (2) Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this release.

Full Year and Q2 2026 Guidance The Company reaffirms the following guidance, provided during our Q4 earnings call on February 19, 2026, for its 2026 fiscal year. The Company is also providing guidance for Q2 2026. Conference Call and Webcast Information Upbound Group, Inc. will host a conference call to discuss first quarter 2026 results, guidance and other operational matters on the morning of Thursday, April 30, 2026, at 9:00 a.m. ET. For a live webcast of the call, visit https://investor.upbound.com. Certain financial and other statistical information that will be discussed during the conference call will also be provided on the same website. 1. Consolidated includes Acima, Brigit, Rent-A-Center, Mexico, and Corporate Segments. 2. Due to the inherent uncertainty related to the special items identified in the tables below, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort. The actual amount of these items during 2026 may have a significant impact on our future GAAP results. 3. Non-GAAP financial measure. See descriptions below in this release. CFO Commentary “Upbound delivered a solid first quarter, achieving our guidance targets with year-over-year growth in revenue, adjusted EBITDA, and non-GAAP diluted EPS, reflecting strong execution across the business,” said CFO Hal Khouri. “At the segment level, disciplined underwriting resulted in Acima’s lease charge-off rate improving to below 9 percent. At Brigit, momentum continued, with double-digit growth in paying subscribers alongside higher average revenue per user, reflecting deeper engagement across the platform. Additionally, Rent-A-Center delivered positive same store sales for the second consecutive quarter.” “I am particularly pleased with Upbound’s cash generation during the quarter, with operating cash flow exceeding $170 million. That cash generation supported meaningful debt paydown and resulted in liquidity of over $460 million at quarter- end. Net leverage ratio was 2.6x at quarter-end, down from 2.9x at year-end.” “Our capital allocation framework remains consistent as we move through 2026: invest in the business, continue strengthening the balance sheet, and return capital to shareholders while maintaining flexibility to support long-term value creation,” concluded Mr. Khouri. 3 Table 1 Consolidated Guidance1,2 Full Year 2026 Second Quarter 2026 Revenues ($B) $4.70 - $4.95 $1.10 - $1.20 Adj. EBITDA Excluding SBC ($M)3 $500 - $535 $120 - $130 Non-GAAP Diluted Earnings Per Share3 $4.00 - $4.35 $1.00 - $1.10

Table 2 Q1 2026 Q1 2025 Q4 2025Metrics ($'s Millions - except per share and ARPU) Consolidated Revenue $ 1,219.7 $ 1,176.4 $ 1,196.4 Revenue Y/Y % Change 3.7 % 7.3 % 10.9 % GAAP Operating Profit $ 77.4 $ 62.6 $ 57.2 Net Earnings $ 35.8 $ 24.8 $ 19.7 Net Profit Margin 2.9 % 2.1 % 1.7 % Adj. EBITDA (1) $ 136.1 $ 126.1 $ 125.9 Adj. EBITDA Margin (1) 11.2 % 10.7 % 10.5 % GAAP Operating Expenses as % of Total Revenue 41.7 % 41.4 % 44.3 % GAAP Diluted EPS $ 0.61 $ 0.42 $ 0.34 Non-GAAP Diluted EPS (1) $ 1.08 $ 1.00 $ 1.01 On-Rent Rental Merchandise, Net $ 1,099.1 $ 1,056.6 $ 1,202.3 Net Cash Provided by Operating Activities $ 170.7 $ 148.0 $ 41.6 Free Cash Flow (1) $ 135.9 $ 127.2 $ 13.5 Acima Segment GMV (2) $ 427.1 $ 454.1 $ 549.8 GMV (Y/Y % Change) (2) (5.9) % 8.8 % 0.4 % Revenue $ 648.7 $ 637.3 $ 631.0 Revenue Y/Y % Change 1.8 % 13.5 % 8.6 % GAAP Operating Profit/GAAP Net Earnings $ 77.3 $ 73.7 $ 75.6 Net Profit Margin 11.9 % 11.6 % 12.0 % Adj. EBITDA (1) $ 88.6 $ 85.0 $ 86.9 Adj. EBITDA Margin (1) 13.7 % 13.3 % 13.8 % On-Rent Rental Merchandise, Net $ 623.0 $ 638.8 $ 710.8 Lease Charge-Off Rate (3) 8.8 % 8.9 % 10.1 % 60+ Day Past Due Rate (4) 12.8 % 12.9 % 13.0 % Brigit Segment (Q1 2025 figures represent February and March 2025 only)(5) Cash Advance Volume (6) $ 404.9 $ 218.4 $ 404.7 Paying Users (7) 1,558,451 1,230,158 1,550,718 ARPU (8) $ 14.41 $ 12.88 $ 14.15 Revenue $ 67.7 $ 31.9 $ 64.6 GAAP Operating Profit/GAAP Net Earnings $ 18.6 $ 8.8 $ 6.8 Net Profit Margin 27.4 % 27.7 % 10.5 % Adj. EBITDA (1) $ 22.9 $ 11.4 $ 11.1 Adj. EBITDA Margin (1) 33.9 % 35.9 % 17.2 % Net Advance Loss Rate (9) 3.5 % 2.4 % 3.5 % Rent-A-Center Segment Lease Portfolio - Monthly Value (as of period end) (10) $ 131.4 $ 129.9 $ 137.4 Same Store Lease Portfolio Value (Y/Y % Change - as of period end) (11) 1.4 % (3.2) % 0.7 % Same Store Sales (Y/Y % Change) (12) 0.4 % (2.0) % 0.8 % Revenue $ 481.6 $ 489.0 $ 479.9 Revenue Y/Y % Change (1.5) % (4.9) % — % GAAP Operating Profit/GAAP Net Earnings $ 62.3 $ 66.4 $ 63.7 Net Profit Margin 12.9 % 13.6 % 13.3 % Adj. EBITDA (1) $ 67.4 $ 72.1 $ 69.2 Adj. EBITDA Margin (1) 14.0 % 14.7 % 14.4 % On-Rent Rental Merchandise, Net $ 450.8 $ 396.6 $ 465.1 Lease-Charge Off Rate (3) 4.7 % 4.6 % 4.9 % 30+ Day Past Due Rate (13) 3.6 % 3.3 % 3.3 % Corporate Owned Store Count (U.S. & PR - as of period end) 1,720 1,725 1,722 Financial Highlights *Please see footnotes on page 5. Key Metrics 4

Financial Highlights (continued) (1) Non-GAAP financial measure. Refer to the explanations and reconciliations elsewhere in this release. (2) Gross Merchandise Volume (GMV): The Company defines Gross Merchandise Volume as the retail value in U.S. dollars of merchandise acquired by the Acima segment that is leased to customers through a transaction that occurs within a defined period, net of estimated cancellations as of the measurement date. (3) Lease Charge-Offs (LCOs): Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period. For the Rent-A-Center segment, LCOs exclude Get It Now, Home Choice, and Franchise-owned Rent-A-Center locations. (4) 60+ Day Past Due Rate: Defined as the average number of accounts 60+ days past due as a % of total open leases. (5) Upbound acquired Brigit on January 31, 2025. (6) Cash Advance Volume: Defined as total advance originations during the period. (7) Brigit Paying Users: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments. (8) ARPU: Average monthly revenue per Brigit Paying User, where Brigit Paying User is defined as in footnote 7 above. (9) Net Advance Loss: Represents charge-offs of customer cash advances that are 45+ days past due as a percentage of total cash advances originated in the period. (10) Lease Portfolio Value: Represents the aggregate dollar value of the expected monthly rental income associated with current active lease agreements from our Company-owned Rent-A-Center lease-to-own stores and e-commerce platform at the end of any given period. (11) Same Store Lease Portfolio Value: Represents the aggregate dollar value of the expected monthly rental income associated with current active lease agreements from our Company-owned Rent-A-Center lease-to-own stores that were operated by us for 13 months or more at the end of any given period. The Company excludes from the same store base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store base in the 30th full month following account transfer. (12) Same Store Sales (SSS): Same store sales generally represents revenue earned in Company-owned Rent-A-Center stores that were operated by us for 13 months or more and are reported on a constant currency basis as a percentage of total revenue earned in stores of the segment during the indicated period. The Company excludes from the same store sales base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store sales base in the 30th full month following account transfer. (13) 30+ Day Past Due Rate: Defined as the average number of accounts 30+ days past due as a % of total open leases for our Company-owned Rent-A-Center locations. 5

About Upbound Group, Inc Upbound Group, Inc. (NASDAQ: UPBD), is a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The Company’s customer-facing operating units include industry-leading brands such as Acima®, Brigit™, and Rent-A-Center® that facilitate consumer transactions across a wide range of store-based and digital channels in the United States, Mexico and Puerto Rico. Upbound Group, Inc. is headquartered in Plano, Texas. For additional information about the Company, please visit our website Upbound.com. Investor Contact Investor.relations@upbound.com 972-801-1103 6

Forward Looking Statements This press release, and the guidance above and the Company's related conference call contain forward-looking statements that involve risks and uncertainties. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. Such forward- looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," "expect," "intend," "could," "estimate," "predict," "continue," "maintain," "should," "anticipate," "believe," or “confident,” or the negative thereof or variations thereon or similar terminology and including, among others, statements concerning (i) the Company's guidance for 2026 and future outlook, (ii) the impact of ongoing challenging macroeconomic conditions on the Company's business operations, financial performance, and prospects, (iii) the future business prospects and financial performance of the Company as a whole and the Company’s segments, (iv) the Company’s growth strategies, (v) the Company's expectations, plans and strategy relating to its capital structure and capital allocation, including any share repurchases under the Company's share repurchase program, (vi) the potential impact of legal proceedings, governmental inquiries and investigations the Company is involved in, and (vii) other statements that are not historical facts. However, there can be no assurance that such expectations will occur. The Company's actual future performance could differ materially and adversely from such statements. Factors that could cause or contribute to these differences include, but are not limited to: (1) difficulties encountered in managing the financial and operational performance of the Company's multiple business segments; (2) risks associated with pricing, value proposition and other changes to the Company’s consumer offerings and strategies being deployed in the Company's businesses; (3) the Company's ability to continue to effectively execute its strategic initiatives, including mitigating risks associated with any potential additional mergers and acquisitions, or lease-to-own refranchising opportunities; (4) the Company’s ability to effectively provide consumers with additional products and services beyond lease-to-own and products and services currently offered by the Company’s Brigit segment, including through third-party partnerships; (5) the possibility that costs, difficulties or disruptions related to the integration of Brigit operations into the Company’s other operations will be greater than expected; (6) the possibility that the anticipated benefits from the Brigit acquisition may not be fully realized or may take longer to realize than expected; (7) the general strength of the economy and other economic conditions affecting consumer preferences, spending and payment behaviors, including the availability of credit to the Company's target consumers and to other consumers, impacts from continued or renewed inflation, central bank monetary policy initiatives to address inflation concerns and a possible recession or slowdown in economic growth; (8) failure to effectively manage the Company's operating labor and non-labor operating expenses, including failure to effectively optimize our proprietary algorithms and customer decisioning tools to limit merchandise losses for our lease-to-own offerings; (9) the Company's ability to retain the revenue associated with acquired lease-to-own customer accounts and enhance the performance of acquired stores; (10) factors affecting the disposable income available to the Company's current and potential customers; (11) changes in the unemployment rate; (12) capital market conditions, including changes in interest rates and availability of funding sources for the Company; (13) changes in the Company's credit ratings; (14) the Company's ability to identify potential acquisition candidates, complete acquisitions and successfully integrate acquired companies; (15) disruptions caused by the operation of the Company's information management systems or disruptions in the systems of the Company's third-party retailers or other third parties with whom the Company does business; (16) risks related to the Company's virtual lease-to-own business, including the Company's ability to continue to develop and successfully implement the necessary technologies; (17) the Company's ability to achieve the benefits expected from its integrated virtual and staffed third-party retailer offering and to successfully grow this business segment; (18) exposure to potential operating margin degradation due to the higher cost of merchandise and higher merchandise losses in the Company's Acima segment compared to our Rent-A-Center segment; (19) additional risks associated with the Company’s Brigit segment and its consumer products and services, including managing losses, regulatory, licensing and other compliance risks, risks associated with the Company’s Brigit segment’s reliance on regulated banks and on providers of third-party data and technology and other third-party service providers; and other new risks for our Company; (20) the Company’s ability to (i) effectively adjust to changes in the composition of its offerings and product mix as a result of acquiring Brigit and continue to maintain the quality of existing offerings and (ii) successfully introduce other new product or service offerings on a timely and cost-effective basis; (21) changes in the Company’s future cash requirements as a result of the Brigit acquisition, whether caused by unanticipated increases in capital expenditures or working capital needs, unanticipated liabilities or otherwise; (22) the Company’s ability to retain the talent and dedication of key employees of Brigit; (23) litigation or administrative proceedings to which the Company is or may be a party to from time to time and changes in estimates relating to litigation reserves including, in each case in connection with the regulatory and litigation matters described in the Company’s most recent Form 10-K or Form 10-Q; (24) the Company’s compliance with applicable statutes and regulations governing the Company’s businesses, impacts from the enforcement of existing laws and regulations and the enactment of new laws and regulations adversely affecting the Company’s business, and any legislative or other regulatory enforcement efforts or private party litigation or arbitration that seeks to re-characterize store-based or virtual lease-to-own transactions as credit sales and to apply consumer credit laws and regulations to the Company’s lease-to-own business or to apply consumer credit laws to the Company’s Brigit segment’s non-credit consumer offerings; (25) the Company's transition to more readily scalable “cloud-based” solutions; (26) the Company's ability to continue to enhance digital or e-commerce capabilities, including mobile applications; (27) the Company's ability to protect its proprietary intellectual property and to defend against allegations by third parties that any of the Company’s products, services or business activities may infringe against their intellectual property rights; (28) risks from development, deployment and governance of artificial intelligence (“AI”) and adjacent technologies, including technical failures or inaccuracies, rapid adoption by our competitors, and evolving regulatory requirements that may restrict certain AI uses or increase compliance costs; (29) the Company's ability or that of the Company's third-party retailers or other third parties with whom the company does business to protect the integrity and security of customer, employee, supplier and third-party retailer or other third party information, which may be adversely affected by hacking, computer viruses, cybersecurity attacks or similar disruptions; (30) impairment of the Company's goodwill or other intangible assets; (31) disruptions in the Company's supply chain; (32) limitations of, or disruptions in, the Company's distribution network; (33) rapid inflation or deflation in the prices of the Company's lease-to-own products and other related costs; (34) allegations of product safety and quality control issues, including recalls of goods the Company leases to customers; (35) the Company's ability to execute, as well as, the effectiveness of, lease-to-own store consolidations, including the Company's ability to retain the revenue from customer accounts merged into another store location as a result of a store consolidation; (36) the Company's available cash flow and its ability to generate sufficient cash flow to continue paying dividends; (37) increased competition from traditional competitors, virtual lease-to-own competitors, online retailers, Buy-Now-Pay-Later, earned wage access and financial health technology competitors and other fintech companies and other competitors, including subprime lenders; (38) the Company's ability to identify and successfully market products and services that appeal to its current and future targeted customer segments and to accurately estimate the size of the total addressable market; (39) consumer preferences and perceptions of the Company's brands; (40) the Company's ability to enter into new rental or lease purchase agreements and collect on existing rental or lease purchase agreements; (41) ongoing changes in tariff policies, including impacts from tariffs proposed or imposed by the current U.S. Presidential Administration on the price of imported goods, or consumer prices overall or other financial impacts of such tariffs or proposed or imposed retaliatory tariffs enacted by U.S. trading partners on the Company’s costs or target consumers; (42) adverse changes in the economic conditions of the industries, countries or markets that the Company serves; (43) information technology and data security costs; (44) the impact of breaches in data security or other disturbances to the Company's information technology and other networks (45) changes in estimates relating to self-insurance liabilities and income tax reserves; (46) changes in the Company's effective tax rate; (47) fluctuations in foreign currency exchange rates; (48) the Company's ability to maintain an effective system of internal controls; and (49) the other risks detailed from time to time in the Company's SEC reports, including but not limited to, its most recent Annual Report on Form 10-K, and in its subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release. Except as required by law, the Company is not obligated to publicly release any revisions to these forward-looking statements to reflect the events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. 7

Upbound Group, Inc. and Subsidiaries CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED Table 4 Three Months Ended March 31, (in thousands, except per share data) 2026 2025 Revenues Rentals and fees $ 916,425 $ 899,212 Merchandise sales 230,206 236,245 Subscriptions and fees 67,670 31,861 Other 5,428 9,045 Total revenues 1,219,729 1,176,363 Cost of revenues Cost of rentals and fees 357,627 352,546 Cost of merchandise sold 267,892 269,682 Cost of subscriptions and fees 7,748 4,006 Total cost of revenues 633,267 626,234 Gross profit 586,462 550,129 Operating expenses Operating labor 149,110 149,167 Non-labor operating expenses 250,262 219,011 General and administrative expenses 57,090 63,787 Depreciation and amortization 14,139 12,252 Other gains and charges 38,423 43,297 Total operating expenses 509,024 487,514 Operating profit 77,438 62,615 Interest expense 26,881 27,798 Interest income (714) (694) Earnings before income taxes 51,271 35,511 Income tax expense 15,482 10,718 Net earnings $ 35,789 $ 24,793 Basic weighted average shares 57,534 55,945 Basic earnings per common share $ 0.62 $ 0.44 Diluted weighted average shares 58,846 58,358 Diluted earnings per common share $ 0.61 $ 0.42 REVENUES BY SEGMENT Acima $ 648,690 $ 637,287 Rent-A-Center 481,605 489,025 Brigit 67,670 31,861 Mexico 21,764 18,190 Total revenues $ 1,219,729 $ 1,176,363 8

Upbound Group, Inc. and Subsidiaries SELECTED BALANCE SHEETS HIGHLIGHTS - UNAUDITED Table 5 March 31, (in thousands) 2026 2025 Cash and cash equivalents $ 98,412 $ 107,325 Receivables, net 195,379 184,826 Prepaid expenses and other assets 143,129 50,810 Rental merchandise, net On rent 1,099,059 1,056,606 Held for rent 127,657 116,275 Operating lease right-of-use assets 275,730 269,291 Goodwill 488,158 488,374 Total assets 3,128,117 3,043,130 Operating lease liabilities $ 288,513 $ 275,896 Senior debt, net 995,249 1,090,181 Senior notes, net 444,339 442,374 Total liabilities 2,412,385 2,363,917 Total stockholders’ equity 715,732 679,213 9

Non-GAAP Financial Measures This release and the Company's related conference call contain certain financial information determined by methods other than in accordance with U.S. Generally Accepted Accounting Principles (GAAP), including (1) Non-GAAP diluted earnings per share (net earnings or loss, as adjusted for special items (as defined below), net of taxes, divided by the number of shares of our common stock on a fully diluted basis), (2) Non-GAAP operating profit (operating profit, adjusted for special items), (3) Adjusted EBITDA (net earnings before interest, taxes, stock-based compensation, depreciation and amortization, as adjusted for special items) on a consolidated and segment basis, (4) Adjusted EBITDA margin (Adjusted EBITDA divided by total revenue) on a consolidated and segment basis, (5) Free Cash Flow (net cash provided by operating activities less capital expenditures and customer cash advances), and (6) Net Leverage Ratio (outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA). “Special items” refers to certain gains and charges we view as extraordinary, unusual or non-recurring in nature or which we believe do not reflect our core business activities. Special items are reported as Other Gains and Charges in our Consolidated Statements of Operations. For the periods presented herein, these special items are described in the quantitative reconciliation tables included below in this release. Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort. These non-GAAP measures are additional tools intended to assist our management in comparing our performance on a more consistent basis for purposes of business decision-making by removing the impact of certain items management believes do not directly reflect our core operations. These measures are intended to assist management in evaluating operating performance and liquidity, comparing performance and liquidity across periods, planning and forecasting future business operations, helping determine levels of operating and capital investments and identifying and assessing additional trends potentially impacting our Company that may not be shown solely by comparisons of GAAP measures. Consolidated Adjusted EBITDA is also used as part of our incentive compensation program for our executive officers and others. We believe these non-GAAP financial measures also provide supplemental information that is useful to investors, analysts and other external users of our consolidated financial statements in understanding our financial results and evaluating our performance and liquidity from period to period. However, non-GAAP financial measures have inherent limitations and are not substitutes for, or superior to, GAAP financial measures, and they should be read together with our consolidated financial statements prepared in accordance with GAAP. Further, because non- GAAP financial measures are not standardized, it may not be possible to compare such measures to the non- GAAP financial measures presented by other companies, even if they have the same or similar names. 10

Reconciliation of Operating Profit to Non-GAAP Operating Profit, Net Earnings to Net Earnings Excluding Special Items and Non- GAAP Diluted Earnings Per Share Table 6 Three Months Ended March 31, 2026 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 586,462 $ 77,438 $ 51,271 $ 15,482 $ 35,789 $ 0.61 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,944 14,944 4,672 10,272 0.17 Brigit acquired assets depreciation and amortization(3) — 6,216 6,216 1,943 4,273 0.07 Brigit replacement awards and other compensation(4) — 5,495 5,495 1,718 3,777 0.06 Brigit equity consideration vesting(5) — 4,716 4,716 — 4,716 0.08 Legal matters(6) 4,053 4,053 1,267 2,786 0.05 Labor reduction costs — 1,659 1,659 519 1,140 0.02 Asset impairment and disposal — 1,505 1,505 471 1,034 0.02 Other — (165) (165) (52) (113) — Non-GAAP Adjusted Results $ 586,462 $ 115,861 $ 89,694 $ 26,020 $ 63,674 $ 1.08 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (4) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes expenses of $3.5 million related to estimated legal accruals and $0.5 million in litigation and defense expenses. 11

Reconciliation of Operating Profit to Non-GAAP Operating Profit, Net Earnings to Net Earnings Excluding Special Items and Non- GAAP Diluted Earnings Per Share 12 Table 7 Three Months Ended December 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 586,679 $ 57,245 $ 29,861 $ 10,118 $ 19,743 $ 0.34 Plus: Special Items(1) Legal matters(2) — 20,666 20,666 4,930 15,736 0.26 Acima acquired assets depreciation and amortization(3) — 14,900 14,900 3,554 11,346 0.19 Brigit acquired assets depreciation and amortization(4) — 6,216 6,216 1,483 4,733 0.08 Brigit equity consideration vesting(5) — 4,432 4,432 — 4,432 0.08 Brigit replacement awards and other compensation(6) — 3,746 3,746 673 3,073 0.05 Asset impairment(7) — 1,174 1,174 280 894 0.02 Brigit transaction costs — 25 25 6 19 — Other — (1,068) (1,068) (255) (813) (0.01) Non-GAAP Adjusted Results $ 586,679 $ 107,336 $ 79,952 $ 20,789 $ 59,163 $ 1.01 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release for the three and twelve months ended December 31, 2025. (2) Includes expenses of $19.7 million related to estimated legal accruals and $0.9 million in litigation and defense expenses primarily related to our Multi-State Attorneys’ General regulatory investigation, a recently settled patent infringement lawsuit, and our current regulatory lawsuit with the New York Attorney General. (3) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (4) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (7) Primarily includes lease impairment related to the closure of certain refranchised stores.

Reconciliation of Operating Profit and Non-GAAP Operating Profit, Net Earnings to Net Earnings Excluding Special Items and Non- GAAP Diluted Earnings Per Share Table 8 Three Months Ended March 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 550,129 $ 62,615 $ 35,511 $ 10,718 $ 24,793 $ 0.42 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 4,166 10,734 0.18 Legal matters(3) — 10,645 10,645 2,977 7,668 0.14 Brigit transaction costs — 6,218 6,218 696 5,522 0.10 Brigit equity consideration vesting(4) — 4,059 4,059 — 4,059 0.07 Brigit acquired assets depreciation and amortization(5) — 4,144 4,144 1,159 2,985 0.05 Accelerated stock compensation(6) — 1,599 1,599 448 1,151 0.02 Brigit replacement awards and other compensation(7) — 1,095 1,095 306 789 0.01 Other — 637 637 178 459 0.01 Discrete income tax items — — — 15 (15) — Non-GAAP Adjusted Results $ 550,129 $ 105,912 $ 78,808 $ 20,663 $ 58,145 $ 1.00 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses primarily related to regulatory lawsuits with the Consumer Financial Protection Bureau (which was previously dismissed with prejudice) and our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. 13

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 11 Three Months Ended March 31, 2026 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 77,266 $ 62,276 $ 18,563 $ (92) $ (122,224) $ 35,789 Plus: Interest expense, net — — — — 26,167 26,167 Plus: Income tax expense — — — — 15,482 15,482 Operating profit (loss) 77,266 62,276 18,563 (92) (80,575) 77,438 Plus: Depreciation and amortization 404 5,010 26 633 8,066 14,139 Plus: Stock-based compensation — — — — 6,059 6,059 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,972 — — — 3,972 14,944 Brigit acquired assets depreciation and amortization(3) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(4) — — 440 — 5,055 5,495 Brigit equity consideration vesting(5) — — — — 4,716 4,716 Legal matters(6) — — — — 4,053 4,053 Labor reduction costs — 320 — — 1,339 1,659 Asset impairment and disposal — — — — 1,505 1,505 Other — (205) — — 40 (165) Adjusted EBITDA $ 88,642 $ 67,401 $ 22,920 $ 541 $ (43,445) $ 136,059 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (4) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes expenses of $3.5 million related to estimated legal accruals and $0.5 million in litigation and defense expenses. 14

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 15 Table 12 Three Months Ended December 31, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 75,573 $ 63,685 $ 6,786 $ 977 $ (127,278) $ 19,743 Plus: Interest expense, net — — — — 27,384 27,384 Plus: Income tax expense — — — — 10,118 10,118 Operating profit (loss) 75,573 63,685 6,786 977 (89,776) 57,245 Plus: Depreciation and amortization 363 5,416 26 581 7,438 13,824 Plus: Stock-based compensation — — — — 4,739 4,739 Plus: Special Items(1) Legal matters(2) — — — — 20,666 20,666 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit acquired assets depreciation and amortization(4) — — 3,891 — 2,325 6,216 Brigit equity consideration vesting(5) — — — — 4,432 4,432 Brigit replacement awards and other compensation(6) — — 383 — 3,363 3,746 Asset impairment(7) — 1,174 — — — 1,174 Brigit transaction costs — — — — 25 25 Other — (1,068) — — — (1,068) Adjusted EBITDA $ 86,865 $ 69,207 $ 11,086 $ 1,558 $ (42,817) $ 125,899 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release for the three and twelve months ended December 31, 2025. (2) Includes expenses of $19.7 million related to estimated legal accruals and $0.9 million in litigation and defense expenses primarily related to our Multi- State Attorneys’ General regulatory investigation, a recently settled patent infringement lawsuit, and our current regulatory lawsuit with the New York Attorney General. (3) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (4) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (7) Primarily includes lease impairment related to the closure of certain refranchised stores.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 16 Table 13 Three Months Ended September 30, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 63,687 $ 56,420 $ 4,569 $ 1,314 $ (112,769) $ 13,221 Plus: Interest expense, net — — — — 27,989 27,989 Plus: Income tax expense — — — — 6,649 6,649 Plus: Debt refinancing charges — — — — 4,894 4,894 Operating profit (loss) 63,687 56,420 4,569 1,314 (73,237) 52,753 Plus: Depreciation and amortization 386 5,223 20 549 6,722 12,900 Plus: Stock-based compensation — — — — 4,537 4,537 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Legal matters(3) — — — — 12,612 12,612 Asset impairment(4) — 11,583 — — — 11,583 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit equity consideration vesting(6) — — — — 5,101 5,101 Brigit replacement awards and other compensation(7) — — 800 — 3,695 4,495 Brigit transaction costs — — — — 551 551 Other(8) — 1,483 — — (3,570) (2,087) Adjusted EBITDA $ 75,002 $ 74,709 $ 9,280 $ 1,863 $ (37,293) $ 123,561 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 3 of our earnings release for the three months ended September 30, 2025. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $8.9 million related to estimated legal accruals and $3.8 million in litigation and defense expenses primarily related to our Multi-State Attorneys’ General regulatory investigation, a recently settled patent infringement lawsuit, and our current regulatory lawsuit with the New York Attorney General. (4) Primarily includes lease impairment related to the closure of certain refranchised stores. (5) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (6) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (8) Primarily includes interest income on tax refunds for prior years received in 2025 and shutdown and holding costs related to store closures and severance.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 17 Table 14 Three Months Ended June 30, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 82,003 $ 63,001 $ 10,472 $ 1,936 $ (141,927) $ 15,485 Plus: Interest expense, net — — — — 27,885 27,885 Plus: Income tax expense — — — — 7,364 7,364 Operating profit (loss) 82,003 63,001 10,472 1,936 (106,678) 50,734 Plus: Depreciation and amortization 353 5,238 18 484 6,890 12,983 Plus: Stock-based compensation — — — — 4,021 4,021 Plus: Special Items(1) Legal matters(2) — — — — 32,516 32,516 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit equity consideration vesting(4) — — — — 6,405 6,405 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(6) — — — — 4,977 4,977 Asset impairment — — — — 206 206 Brigit transaction costs — — — — (109) (109) Other — 157 — — 194 351 Adjusted EBITDA $ 93,285 $ 68,396 $ 14,381 $ 2,420 $ (45,282) $ 133,200 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 3 of our earnings release for the three months ended June 30, 2025. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses primarily related to our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation and the previously disclosed McBurnie class action, which was settled in 2025 and fully paid in April 2026. (3) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $3.9 million related to the fair value of acquired software assets. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (6) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 15 Three Months Ended March 31, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 73,708 $ 66,415 $ 8,829 $ 1,223 $ (125,382) $ 24,793 Plus: Interest expense, net — — — — 27,104 27,104 Plus: Income tax expense — — — — 10,718 10,718 Operating profit (loss) 73,708 66,415 8,829 1,223 (87,560) 62,615 Plus: Depreciation and amortization 354 5,427 11 437 6,023 12,252 Plus: Stock-based compensation 7,968 7,968 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Legal matters(3) — — — — 10,645 10,645 Brigit transaction costs — — — — 6,218 6,218 Brigit equity consideration vesting(4) — — — — 4,059 4,059 Brigit acquired assets depreciation and amortization(5) — — 2,594 — 1,550 4,144 Accelerated stock compensation(6) — — — — 1,599 1,599 Brigit replacement awards and other compensation(7) — — — — 1,095 1,095 Other — 224 — — 413 637 Adjusted EBITDA $ 84,991 $ 72,066 $ 11,434 $ 1,660 $ (44,019) $ 126,132 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses primarily related to regulatory lawsuits with the Consumer Financial Protection Bureau (which was previously dismissed with prejudice) and our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. 18

Reconciliation of Net Cash Provided by Operating Activities to Free Cash Flow Table 16 Three Months Ended March 31, Three Months Ended (in thousands) 2026 2025 December 31, 2025 Net cash provided by operating activities $ 170,660 $ 147,993 $ 41,584 Net originations and collections of customer cash advances (18,765) (10,257) (10,539) Purchase of property assets (15,964) (10,576) (17,536) Free cash flow $ 135,931 $ 127,160 $ 13,509 19

Table 17 (in millions, except net leverage ratio) Q1 2026 Q4 2025 Outstanding debt $ 1,455.6 $ 1,586.8 Less: Cash and cash equivalents 98.4 120.5 Net debt 1,357.2 1,466.3 Adjusted EBITDA(1) Q1 2025 — 126.1 Q2 2025 133.2 133.2 Q3 2025 123.6 123.6 Q4 2025 125.9 125.9 Q1 2026 136.1 — Last twelve months Adjusted EBITDA $ 518.8 $ 508.8 Net leverage ratio 2.6 x 2.9 x (1) Refer to Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 11 through Table 15 for additional details of Adjusted EBITDA. Consolidated Net Leverage Ratio 20

First Quarter Earnings Review April 30, 2026 ™

Disclosures 2 Forward-Looking Statements This communication contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including, among others, statements regarding our goals, plans and projections with respect to our operations, financial position and business strategy. Such forward-looking statements generally can be identified by the use of forward-looking terminology such as "may," "will," "expect," "intend," "could," "estimate," "predict," "continue," “maintain,” "should," "anticipate," "believe," or “confident,” or the negative thereof or variations thereon or similar terminology. Such forward-looking statements are based on particular assumptions that our management has made in light of its experience and its perception of expected future developments and other factors that it believes are appropriate under the circumstances and are subject to various risks and uncertainties. Factors that could cause or contribute to material and adverse differences between actual and anticipated results include, but are not limited to, (1) the possibility that costs, difficulties or disruptions related to the integration of Brigit operations into our other operations will be greater than expected; (2) the possibility that the anticipated benefits from the Brigit acquisition may not be fully realized or may take longer to realize than expected; (3) our ability to (i) effectively adjust to changes in the composition of our offerings and product mix as a result of acquiring Brigit and continue to maintain the quality of existing offerings and (ii) successfully introduce other new product or service offerings on a timely and cost-effective basis; (4) changes in our future cash requirements as a result of the Brigit acquisition, whether caused by unanticipated increases in capital expenditures or working capital needs, unanticipated liabilities or otherwise; (5) our ability to retain the talent and dedication of key employees of Brigit; (6) the general strength of the economy and other economic conditions affecting consumer preferences, spending and payment behaviors, including the availability of credit to the Company's target consumers and to other consumers, impacts from continued or renewed inflation, central bank monetary policy initiatives to address inflation concerns and a possible recession or slowdown in economic growth, (7) the impacts of legal, regulatory and enforcement matters affecting our industries or Company; and (8) the other risks detailed from time to time in the reports filed by us with the Securities and Exchange Commission, including our most recent Annual Report on Form 10-K, as well as subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K. You are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date of this communication. Except as required by law, we are not obligated to, and do not undertake to, publicly release any revisions to these forward-looking statements to reflect any events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. Use of Non-GAAP Financial Measures This communication contains certain financial information determined by methods other than in accordance with U.S. Generally Accepted Accounting Principles (GAAP), including (1) Non-GAAP diluted earnings per share (net earnings or loss, as adjusted for special items (as defined below), net of taxes, divided by the number of shares of our common stock on a fully diluted basis), (2) Adjusted EBITDA (net earnings before interest, taxes, stock-based compensation, depreciation and amortization, as adjusted for special items) on a consolidated and segment basis, (3) Net debt (outstanding debt less cash and cash equivalents), and (4) Net leverage ratio (outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA). “Special items” refers to certain gains and charges we view as extraordinary, unusual or non-recurring in nature or which we believe do not reflect our core business activities. Special items are reported as Other Gains and Charges in our Consolidated Statements of Operations. For the periods presented herein, these special items are described in the quantitative reconciliation tables included in the appendix of this presentation. Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort. These non-GAAP measures are additional tools intended to assist our management in comparing our performance on a more consistent basis for purposes of business decision-making by removing the impact of certain items management believes do not directly reflect our core operations. These measures are intended to assist management in evaluating operating performance and liquidity, comparing performance and liquidity across periods, planning and forecasting future business operations, helping determine levels of operating and capital investments and identifying and assessing additional trends potentially impacting our Company that may not be shown solely by comparisons of GAAP measures. Consolidated Adjusted EBITDA is also used as part of our incentive compensation program for our executive officers and others. We believe these non-GAAP financial measures also provide supplemental information that is useful to investors, analysts and other external users of our consolidated financial statements in understanding our financial results and evaluating our performance and liquidity from period to period. However, non-GAAP financial measures have inherent limitations and are not substitutes for, or superior to, GAAP financial measures, and they should be read together with our consolidated financial statements prepared in accordance with GAAP. Further, because non-GAAP financial measures are not standardized, it may not be possible to compare such measures to the non-GAAP financial measures presented by other companies, even if they have the same or similar names. Note that all sources in this presentation are from Company reports and Company estimates unless otherwise noted.

Empowering underserved consumers with seamless, holistic financial tools to improve their financial lives. Our Mission Elevating Financial Opportunity for All

Upbound: A Growing, Digital-First Platform Delivered virtually with increasing scale Acima and Brigit's digital models expand access to more consumers through over 35k retailer locations, growing DTC marketplace, and top- rated fintech platform Paired with prudent risk management Disciplined, tactical approach to underwriting and risk management enables responsible growth Complementary financial solutions Focus on innovative solutions dedicated to underserved consumers, providing them with access and choice across their financial journey Provides foundation for earnings growth Top-line growth paired with focus on efficiency drives opportunities for robust earnings growth 4 Upbound is a technology and data-driven leader in innovative financial solutions for millions of underserved customers that provides industry-leading lease- to-own platforms and a subscription-based financial wellness app through its operating segments: Acima, Brigit, and Rent-A-Center

$0.61 GAAP Diluted EPS +$0.19 y/y $35.8 million Net Income +$11.0 million y/y $1.08 Non-GAAP Diluted EPS1 +$0.08 y/y $136.1 million Adjusted EBITDA1 +7.9% y/y Q1 Consolidated Financial Highlights $1.2 billion Consolidated Revenue +3.7% y/y $170.7 million Net Cash Provided by Operating Activities +$22.7 million y/y 1 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 5

Revenue ($M) Net Income ($M) Non-GAAP Diluted EPS1 Adjusted EBITDA1 ($M) 1 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 6 Quarterly Consolidated Financial Trends

• Acquired by Upbound in Q1 2025 • Industry-leading financial wellness tools that utilize AI-powered cash flow data insights • Subscription offering provides access to innovative product offerings, including EWA/cash advance, credit building, budgeting and financial literacy tools • Durable, resilient rent-to-own business model proven through 50+ year operating history • Over 2,200 stores in the U.S. and Mexico • Strong cash flow generation, enabling Upbound to fund growth opportunities across segments Three Interlocking Engines: Subscription FinTech, Virtual Lease-to-Own, Cash-Generative Rent-to-Own Upbound Segments at a Glance 7Three core brands addressing the needs of underserved consumers across their financial journey • Virtual lease-to-own platform • Digital model expands access to more consumers through 35k+ retailer locations and expanding direct-to-consumer marketplace • Diverse merchant base supports resilience when demand varies across categories

Brigit Quarterly Highlights 8 Revenue ($M) Net Advance Loss Rate2 ARPU3 Paying Users1 (000s) * Upbound acquired Brigit on January 31, 2025. 1 Brigit Paying Users: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments. 2 Net Advance Loss: Represents charge-offs of customer cash advances that are 45+ days past due as a percentage of total cash advances originated in the period. 3 ARPU: Average monthly revenue per Brigit Paying User, where Brigit Paying User is defined as in footnote 1 above. Revenue by Source

Acima Quarterly Highlights 9 1 The Company defines Gross Merchandise Volume (GMV) as the retail value in U.S. dollars of merchandise acquired by the Acima segment that is leased to customers through a transaction that occurs within a defined period, net of estimated cancellations as of the measurement date. 2 Lease Charge-Offs (LCOs): Represents charge-offs of the net book value of unrecoverable on-rent merchandise with lease-to-own customers who are past due. This is typically expressed as a percentage of revenues for the applicable period. 3 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. Revenue ($M) Lease Charge-Off2 Rate Adjusted EBITDA3 ($M) GMV1 ($M) Rental Revenue by Product Category

Rent-A-Center Quarterly Highlights 10 Revenue ($M) Lease Charge-Off2 Rate Adjusted EBITDA3 ($M) Portfolio Value1 Per Store Average ($000s) 1 Lease Portfolio Value: Represents the aggregate dollar value of the expected monthly rental income associated with current active lease agreements from our Company-owned Rent-A-Center lease-to-own stores and e-commerce platform at the end of any given period. 2 For the Rent-A-Center segment, LCOs exclude Get-It-Now, Home Choice, and Franchise-owned Rent-A-Center locations. 3 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. Rental Revenue by Product Category

2.6x Net Leverage Ratio3 $16.0 million Capital Expenditures $1.4 billion Net Debt2 $465.0 million Liquidity1 $23.1 million Dividends Paid Q1 Capital Allocation & Quarter-End Financial Position 11 $170.7 million Net Cash Provided by Operating Activities Net cash provided by operating activities, capital expenditures, and dividends paid represent expenditures for the full quarter. Liquidity, net debt, and leverage ratio are as of quarter-end. 1 Liquidity represents cash and cash equivalents plus revolving credit availability at period-end. 2 Net debt is defined as outstanding debt less cash and cash equivalents. Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 3 Net leverage ratio is defined as outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA, which is a Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation.

Full Year and Q2 2026 Guidance 12 1. Consolidated includes Acima, Brigit, Rent-A-Center, Mexico, and Corporate Segments. 2. Non-GAAP financial measure. See descriptions elsewhere in this presentation. Consolidated Guidance1 Full Year 2026 Second Quarter 2026 Revenues ($B) $4.70 - $4.95 $1.10 - $1.20 Adj. EBITDA Excluding SBC ($M)2 $500 - $535 $120 - $130 Non-GAAP Diluted Earnings Per Share2 $4.00 - $4.35 $1.00 - $1.10 The Company reaffirms the following guidance, provided during our Q4 earnings call, for FY 2026 and provides guidance for Q2 2026

Appendix

Reconciliation of Operating Profit to Non-GAAP Operating Profit, Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 14 Three Months Ended March 31, 2026 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 586,462 $ 77,438 $ 51,271 $ 15,482 $ 35,789 $ 0.61 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,944 14,944 4,672 10,272 0.17 Brigit acquired assets depreciation and amortization(3) — 6,216 6,216 1,943 4,273 0.07 Brigit replacement awards and other compensation(4) — 5,495 5,495 1,718 3,777 0.06 Brigit equity consideration vesting(5) — 4,716 4,716 — 4,716 0.08 Legal matters(6) 4,053 4,053 1,267 2,786 0.05 Labor reduction costs — 1,659 1,659 519 1,140 0.02 Asset impairment and disposal — 1,505 1,505 471 1,034 0.02 Other — (165) (165) (52) (113) — Non-GAAP Adjusted Results $ 586,462 $ 115,861 $ 89,694 $ 26,020 $ 63,674 $ 1.08 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (4) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes expenses of $3.5 million related to estimated legal accruals and $0.5 million in litigation and defense expenses.

Reconciliation of Operating Profit to Non-GAAP Operating Profit, Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Three Months Ended March 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 550,129 $ 62,615 $ 35,511 $ 10,718 $ 24,793 $ 0.42 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 4,166 10,734 0.18 Legal matters(3) — 10,645 10,645 2,977 7,668 0.14 Brigit transaction costs — 6,218 6,218 696 5,522 0.10 Brigit equity consideration vesting(4) — 4,059 4,059 — 4,059 0.07 Brigit acquired assets depreciation and amortization(5) — 4,144 4,144 1,159 2,985 0.05 Accelerated stock compensation(6) — 1,599 1,599 448 1,151 0.02 Brigit replacement awards and other compensation(7) — 1,095 1,095 306 789 0.01 Other — 637 637 178 459 0.01 Discrete income tax items — — — 15 (15) — Non-GAAP Adjusted Results $ 550,129 $ 105,912 $ 78,808 $ 20,663 $ 58,145 $ 1.00 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses primarily related to regulatory lawsuits with the Consumer Financial Protection Bureau (which was previously dismissed with prejudice) and our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. 15

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended March 31, 2026 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 77,266 $ 62,276 $ 18,563 $ (92) $ (122,224) $ 35,789 Plus: Interest expense, net — — — — 26,167 26,167 Plus: Income tax expense — — — — 15,482 15,482 Operating profit (loss) 77,266 62,276 18,563 (92) (80,575) 77,438 Plus: Depreciation and amortization 404 5,010 26 633 8,066 14,139 Plus: Stock-based compensation — — — — 6,059 6,059 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,972 — — — 3,972 14,944 Brigit acquired assets depreciation and amortization(3) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(4) — — 440 — 5,055 5,495 Brigit equity consideration vesting(5) — — — — 4,716 4,716 Legal matters(6) — — — — 4,053 4,053 Labor reduction costs — 320 — — 1,339 1,659 Asset impairment and disposal — — — — 1,505 1,505 Other — (205) — — 40 (165) Adjusted EBITDA $ 88,642 $ 67,401 $ 22,920 $ 541 $ (43,445) $ 136,059 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (4) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes expenses of $3.5 million related to estimated legal accruals and $0.5 million in litigation and defense expenses. 16

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 17 Three Months Ended December 31, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 75,573 $ 63,685 $ 6,786 $ 977 $ (127,278) $ 19,743 Plus: Interest expense, net — — — — 27,384 27,384 Plus: Income tax expense — — — — 10,118 10,118 Operating profit (loss) 75,573 63,685 6,786 977 (89,776) 57,245 Plus: Depreciation and amortization 363 5,416 26 581 7,438 13,824 Plus: Stock-based compensation — — — — 4,739 4,739 Plus: Special Items(1) Legal matters(2) — — — — 20,666 20,666 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit acquired assets depreciation and amortization(4) — — 3,891 — 2,325 6,216 Brigit equity consideration vesting(5) — — — — 4,432 4,432 Brigit replacement awards and other compensation(6) — — 383 — 3,363 3,746 Asset impairment(7) — 1,174 — — — 1,174 Brigit transaction costs — — — — 25 25 Other — (1,068) — — — (1,068) Adjusted EBITDA $ 86,865 $ 69,207 $ 11,086 $ 1,558 $ (42,817) $ 125,899 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release for the three and twelve months ended December 31, 2025. (2) Includes expenses of $19.7 million related to estimated legal accruals and $0.9 million in litigation and defense expenses primarily related to our Multi-State Attorneys’ General regulatory investigation, a recently settled patent infringement lawsuit, and our current regulatory lawsuit with the New York Attorney General. (3) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (4) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (7) Primarily includes lease impairment related to the closure of certain refranchised stores.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 18 Three Months Ended September 30, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 63,687 $ 56,420 $ 4,569 $ 1,314 $ (112,769) $ 13,221 Plus: Interest expense, net — — — — 27,989 27,989 Plus: Income tax expense — — — — 6,649 6,649 Plus: Debt refinancing charges — — — — 4,894 4,894 Operating profit (loss) 63,687 56,420 4,569 1,314 (73,237) 52,753 Plus: Depreciation and amortization 386 5,223 20 549 6,722 12,900 Plus: Stock-based compensation — — — — 4,537 4,537 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Legal matters(3) — — — — 12,612 12,612 Asset impairment(4) — 11,583 — — — 11,583 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit equity consideration vesting(6) — — — — 5,101 5,101 Brigit replacement awards and other compensation(7) — — 800 — 3,695 4,495 Brigit transaction costs — — — — 551 551 Other(8) — 1,483 — — (3,570) (2,087) Adjusted EBITDA $ 75,002 $ 74,709 $ 9,280 $ 1,863 $ (37,293) $ 123,561 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 3 of our earnings release for the three months ended September 30, 2025. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $8.9 million related to estimated legal accruals and $3.8 million in litigation and defense expenses primarily related to our Multi-State Attorneys’ General regulatory investigation, a recently settled patent infringement lawsuit, and our current regulatory lawsuit with the New York Attorney General. (4) Primarily includes lease impairment related to the closure of certain refranchised stores. (5) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (6) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (8) Primarily includes interest income on tax refunds for prior years received in 2025 and shutdown and holding costs related to store closures and severance.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 19 Three Months Ended June 30, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 82,003 $ 63,001 $ 10,472 $ 1,936 $ (141,927) $ 15,485 Plus: Interest expense, net — — — — 27,885 27,885 Plus: Income tax expense — — — — 7,364 7,364 Operating profit (loss) 82,003 63,001 10,472 1,936 (106,678) 50,734 Plus: Depreciation and amortization 353 5,238 18 484 6,890 12,983 Plus: Stock-based compensation — — — — 4,021 4,021 Plus: Special Items(1) Legal matters(2) — — — — 32,516 32,516 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit equity consideration vesting(4) — — — — 6,405 6,405 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(6) — — — — 4,977 4,977 Asset impairment — — — — 206 206 Brigit transaction costs — — — — (109) (109) Other — 157 — — 194 351 Adjusted EBITDA $ 93,285 $ 68,396 $ 14,381 $ 2,420 $ (45,282) $ 133,200 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 3 of our earnings release for the three months ended June 30, 2025. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses primarily related to our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation and the previously disclosed McBurnie class action, which was settled in 2025 and fully paid in April 2026. (3) Includes amortization expense of approximately $11.0 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $3.9 million related to the fair value of acquired software assets. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $3.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $2.3 million related to the fair value of acquired software assets. (6) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended March 31, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 73,708 $ 66,415 $ 8,829 $ 1,223 $ (125,382) $ 24,793 Plus: Interest expense, net — — — — 27,104 27,104 Plus: Income tax expense — — — — 10,718 10,718 Operating profit (loss) 73,708 66,415 8,829 1,223 (87,560) 62,615 Plus: Depreciation and amortization 354 5,427 11 437 6,023 12,252 Plus: Stock-based compensation 7,968 7,968 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Legal matters(3) — — — — 10,645 10,645 Brigit transaction costs — — — — 6,218 6,218 Brigit equity consideration vesting(4) — — — — 4,059 4,059 Brigit acquired assets depreciation and amortization(5) — — 2,594 — 1,550 4,144 Accelerated stock compensation(6) — — — — 1,599 1,599 Brigit replacement awards and other compensation(7) — — — — 1,095 1,095 Other — 224 — — 413 637 Adjusted EBITDA $ 84,991 $ 72,066 $ 11,434 $ 1,660 $ (44,019) $ 126,132 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of our earnings release. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses primarily related to regulatory lawsuits with the Consumer Financial Protection Bureau (which was previously dismissed with prejudice) and our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General regulatory investigation. (4) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. 20

Supplemental Segment Performance Details – GAAP 21 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 477.0 $ 405.0 $ — $ 17.2 $ — $ 899.2 Merchandise sales 160.0 75.5 — 0.8 — 236.2 Subscriptions and fees — — 31.9 — — 31.9 Other 0.3 8.5 — 0.2 — 9.0 Total revenue $ 637.3 $ 489.0 $ 31.9 $ 18.2 $ — $ 1,176.4 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 243.4 $ 104.5 $ — $ 4.6 $ — $ 352.5 Cost of merchandise sold 207.5 61.7 — 0.6 — 269.7 Cost of subscriptions and fees — — 4.0 — — 4.0 Total cost of revenues $ 450.8 $ 166.2 $ 4.0 $ 5.2 $ — $ 626.2 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 24.0 $ 120.2 $ 0.7 $ 4.3 $ — $ 149.2 Non-labor operating expenses 76.9 122.4 14.4 5.3 — 219.0 General and administrative expenses 0.6 8.2 1.3 1.8 52.0 63.8 Depreciation and amortization 0.4 5.4 — 0.4 6.0 12.3 Other gains and charges 10.9 0.2 2.6 — 29.6 43.3 Total operating expenses $ 112.7 $ 256.4 $ 19.0 $ 11.8 $ 87.6 $ 487.5 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ 0.3 $ 2.5 $ — $ 0.6 $ 7.1 $ 10.6 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 489.7 $ 406.1 $ — $ 20.6 $ — $ 916.4 Merchandise sales 158.7 70.6 — 0.9 — 230.2 Subscriptions and fees — — 67.7 — — 67.7 Other 0.3 4.9 — 0.2 — 5.4 Total revenue $ 648.7 $ 481.6 $ 67.7 $ 21.8 $ — $ 1,219.7 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 251.8 $ 100.2 $ — $ 5.7 $ — $ 357.6 Cost of merchandise sold 202.8 64.2 — 0.8 — 267.9 Cost of subscriptions and fees — — 7.7 — — 7.7 Total cost of revenues $ 454.6 $ 164.4 $ 7.7 $ 6.5 $ — $ 633.3 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 23.4 $ 118.9 $ 1.3 $ 5.5 $ — $ 149.1 Non-labor operating expenses 81.4 127.8 34.0 7.1 — 250.3 General and administrative expenses 0.6 3.0 1.8 2.2 49.5 57.1 Depreciation and amortization 0.4 5.0 — 0.6 8.1 14.1 Other gains and charges 11.0 0.1 4.3 — 23.0 38.4 Total operating expenses $ 116.8 $ 254.9 $ 41.4 $ 15.3 $ 80.6 $ 509.0 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ — $ 1.4 $ — $ 1.2 $ 13.4 $ 16.0

Supplemental Segment Performance Details – Including Non-GAAP Adjustments 22 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 477.0 $ 405.0 $ — $ 17.2 $ — $ 899.2 Merchandise sales 160.0 75.5 — 0.8 — 236.2 Subscriptions and fees — — 31.9 — — 31.9 Other 0.3 8.5 — 0.2 — 9.0 Total revenue $ 637.3 $ 489.0 $ 31.9 $ 18.2 $ — $ 1,176.4 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 243.4 $ 104.5 $ — $ 4.6 $ — $ 352.5 Cost of merchandise sold 207.5 61.7 — 0.6 — 269.7 Cost of subscriptions and fees — — 4.0 — — 4.0 Total cost of revenues $ 450.8 $ 166.2 $ 4.0 $ 5.2 $ — $ 626.2 Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 24.0 $ 120.2 $ 0.7 $ 4.3 $ — $ 149.2 Non-labor operating expenses 76.9 122.4 14.4 5.3 — 219.0 General and administrative expenses 0.6 8.2 1.3 1.8 52.0 63.8 Depreciation and amortization 0.4 5.4 — 0.4 6.0 12.3 Other gains and charges(1) — — — — — — Total operating expenses $ 101.8 $ 256.2 $ 16.4 $ 11.8 $ 58.0 $ 444.2 (1)For purposes of disclosing non-GAAP operating expenses we exclude Other gains and charges. Additional details of Other gains and charges are included as special item adjustments in the reconciliation tables on pages 15 and 20 of this presentation. Three Months Ended March 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ 0.3 $ 2.5 $ — $ 0.6 $ 7.1 $ 10.6 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 489.7 $ 406.1 $ — $ 20.6 $ — $ 916.4 Merchandise sales 158.7 70.6 — 0.9 — 230.2 Subscriptions and fees — — 67.7 — — 67.7 Other 0.3 4.9 — 0.2 — 5.4 Total revenue $ 648.7 $ 481.6 $ 67.7 $ 21.8 $ — $ 1,219.7 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 251.8 $ 100.2 $ — $ 5.7 $ — $ 357.6 Cost of merchandise sold 202.8 64.2 — 0.8 — 267.9 Cost of subscriptions and fees — — 7.7 — — 7.7 Total cost of revenues $ 454.6 $ 164.4 $ 7.7 $ 6.5 $ — $ 633.3 Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 23.4 $ 118.9 $ 1.3 $ 5.5 $ — $ 149.1 Non-labor operating expenses 81.4 127.8 34.0 7.1 — 250.3 General and administrative expenses 0.6 3.0 1.8 2.2 49.5 57.1 Depreciation and amortization 0.4 5.0 — 0.6 8.1 14.1 Other gains and charges(1) — — — — — — Total operating expenses $ 105.9 $ 254.8 $ 37.0 $ 15.3 $ 57.6 $ 470.6 (1)For purposes of disclosing non-GAAP operating expenses we exclude Other gains and charges. Additional details of Other gains and charges are included as special item adjustments in the reconciliation tables on pages 14 and 16 of this presentation. Three Months Ended March 31, 2026 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ — $ 1.4 $ — $ 1.2 $ 13.4 $ 16.0

Q1 2026 (in millions, except net leverage ratio) Outstanding debt $ 1,455.6 Less: Cash and cash equivalents 98.4 Net debt 1,357.2 Adjusted EBITDA(1) Q2 2025 133.2 Q3 2025 123.6 Q4 2025 125.9 Q1 2026 136.1 Last twelve months Adjusted EBITDA $ 518.8 Net leverage ratio 2.6 x (1) Refer to Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) tables on pages 16 through 19 for additional details of Adjusted EBITDA. Consolidated Net Leverage Ratio 23

Reconciliation of Net (Loss) Earnings to Net Earnings Excluding Special Items, Non-GAAP Diluted Earnings Per Share and Adjusted EBITDA 24 Three Months Ended (in thousands) June 30, 2025 September 30, 2025 December 31, 2025 Net (loss) earnings $ 15,485 $ 13,221 $ 19,743 Plus: Debt refinancing charges — 4,894 — Plus: Special Items(1) 65,462 53,371 50,091 Less: Adjusted tax expense 15,244 12,494 10,671 Net Earnings excluding Special Items $ 65,703 $ 58,992 $ 59,163 Diluted weighted average shares 58,664 58,890 58,537 Non-GAAP diluted earnings per share $ 1.12 $ 1.00 $ 1.01 (1) Additional details of Special Items are included in the Reconciliation of Net Earnings to Adjusted EBITDA (Consolidated and by Segment) tables of our quarterly investor presentations, for their respective periods, which can be found on the Company's investor relations website.

Source: View Original Filing on SEC EDGAR

FAQ

How did Upbound Group (UPBD) perform financially in Q1 2026?

Upbound Group posted Q1 2026 revenue of $1.22 billion, up 3.7% year-over-year, with GAAP net earnings of $35.8 million. GAAP diluted EPS rose to $0.61, while non-GAAP diluted EPS increased to $1.08 and Adjusted EBITDA reached $136.1 million.

What were the key segment results for Upbound Group (UPBD) in Q1 2026?

In Q1 2026, Acima revenue was $648.7 million (up 1.8%), Rent-A-Center revenue was $481.6 million (down 1.5%) with 0.4% same store sales growth, and Brigit revenue reached $67.7 million, growing more than 40% year-over-year for comparable months.

How strong was Upbound Group’s (UPBD) cash flow and balance sheet in Q1 2026?

Upbound generated $170.7 million in net cash from operating activities and $135.9 million in free cash flow in Q1 2026. This supported dividends, capital spending, debt reduction, and helped lower the company’s net leverage ratio to 2.6x Adjusted EBITDA at quarter-end.

What guidance did Upbound Group (UPBD) provide for full year 2026?

For 2026, Upbound reaffirmed expectations for consolidated revenue of $4.70–$4.95 billion, Adjusted EBITDA of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35. This outlook reflects management’s current view of demand, credit performance, and operating efficiency across segments.

What is Upbound Group’s (UPBD) outlook for Q2 2026?

For Q2 2026, Upbound expects consolidated revenue between $1.10 billion and $1.20 billion, Adjusted EBITDA of $120–$130 million, and non-GAAP diluted EPS of $1.00–$1.10. These ranges assume continued disciplined underwriting and steady performance across Acima, Brigit, and Rent-A-Center.

How is Brigit contributing to Upbound Group’s (UPBD) growth?

Brigit delivered Q1 2026 revenue of $67.7 million, growing more than 40% year-over-year for comparable months. Paying users increased to about 1.56 million, up roughly 27%, while ARPU rose 11.9% to $14.41, highlighting greater engagement with its financial wellness offerings.

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Cash flow and Brigit growth lift Upbound Group (NASDAQ: UPBD) Q1 2026

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FAQ

How did Upbound Group (UPBD) perform financially in Q1 2026?

What were the key segment results for Upbound Group (UPBD) in Q1 2026?

How strong was Upbound Group’s (UPBD) cash flow and balance sheet in Q1 2026?

What guidance did Upbound Group (UPBD) provide for full year 2026?

What is Upbound Group’s (UPBD) outlook for Q2 2026?

How is Brigit contributing to Upbound Group’s (UPBD) growth?

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Cash flow and Brigit growth lift Upbound Group (NASDAQ: UPBD) Q1 2026

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FAQ

How did Upbound Group (UPBD) perform financially in Q1 2026?

What were the key segment results for Upbound Group (UPBD) in Q1 2026?

How strong was Upbound Group’s (UPBD) cash flow and balance sheet in Q1 2026?

What guidance did Upbound Group (UPBD) provide for full year 2026?

What is Upbound Group’s (UPBD) outlook for Q2 2026?

How is Brigit contributing to Upbound Group’s (UPBD) growth?

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