Upbound Group (NASDAQ: UPBD) grows 2025 revenue, lifts cash flow and sets 2026 guidance

Rhea-AI Filing Summary

Upbound Group, Inc. reported solid growth for 2025 while absorbing sizeable non-recurring costs. Consolidated revenue reached $4.7 billion, up 8.7% year-over-year, and Adjusted EBITDA rose 7.5% to $508.8 million. GAAP diluted EPS declined to $1.25 from $2.21 due mainly to $212.2 million of special items, while non-GAAP diluted EPS increased to $4.13 from $3.83.

In the fourth quarter, revenue was $1.196 billion, up 10.9%, with Adjusted EBITDA of $125.9 million and non-GAAP EPS of $1.01. The Acima segment generated $2.51 billion in 2025 revenue and $2.01 billion in GMV, both growing double digits. Newly acquired Brigit contributed $206 million of revenue with a 22.4% Adjusted EBITDA margin, while Rent-A-Center revenue declined 4.2% to $1.90 billion but delivered a 15.0% Adjusted EBITDA margin.

Cash flow strengthened meaningfully: net cash provided by operating activities was $305.6 million, and free cash flow reached $180.5 million. Year-end net leverage was 2.9x. For 2026, Upbound guides to revenue of $4.70–$4.95 billion, Adjusted EBITDA excluding stock-based compensation of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35.

Insights

Equity research analyst

Upbound delivered steady growth, strong cash flow, and cautious but healthy 2026 guidance.

Upbound Group expanded 2025 revenue 8.7% to $4.7 billion and increased consolidated Adjusted EBITDA 7.5% to $508.8 million. Growth was powered by the Acima virtual lease-to-own business and the first-year contribution from Brigit, partly offset by lower Rent-A-Center revenue.

GAAP profitability was pressured by $212.2 million of special items, including legal-related accruals, acquisition amortization and integration costs, resulting in diluted EPS of $1.25. On a non-GAAP basis, diluted EPS improved to $4.13, illustrating underlying earnings strength once those items are excluded.

Cash generation was a key positive, with operating cash flow of $305.6 million and free cash flow of $180.5 million, bringing net leverage to 2.9% of trailing Adjusted EBITDA as of December 31 2025. The 2026 outlook of $4.70–$4.95 billion in revenue and $500–$535 million in Adjusted EBITDA excluding stock-based compensation suggests expectations for continued moderate growth.

0000933036false00009330362026-02-192026-02-19

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)

February 19, 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 February 19, 2026, Upbound Group, Inc. issued a press release announcing its financial results for the quarter and fiscal year ended December 31, 2025. 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 February 19, 2026, Upbound Group, Inc. issued an investor presentation announcing its financial results for the quarter and fiscal year ended December 31, 2025. 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 February 19, 2026
99.2						Earnings release, dated February 19, 2026
99.3						Investor Presentation, dated February 19, 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:

February 19, 2026

By:

/s/ Hal Khouri

Hal Khouri

EVP, Chief Financial Officer

Upbound Group, Inc. Reports Fourth Quarter and Full Year 2025 Results February 19, 2026 PLANO, Texas--(BUSINESS WIRE)--Feb. 19, 2026-- Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter and fiscal year ended December 31, 2025. 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. Fourth Quarter 2025 Highlights1 Continued Topline Momentum: Consolidated revenue growth of 11% year-over-year to $1.2 billion. Acima Shows Strong Execution: Acima achieved its ninth consecutive quarter of GMV2 and revenue growth, with revenue increasing 9% year-over-year. Brigit Demonstrates Ongoing Expansion: Brigit generated revenue of $65 million, supported by approximately 1.6 million paying subscribers3 and nearly 10% ARPU4 growth year-over-year. Rent-A-Center Business Stabilized: Rent-A-Center same store sales5 grew 0.8% year-over-year, alongside a 10 basis point year-over-year reduction in lease charge-off rate. Robust Cash Flow Growth: The Company reported $42 million of net cash provided by operating activities, an increase of more than $100 million year-over-year. 2026 Outlook Introduced: For fiscal year 2026, the Company expects consolidated revenue of between $4.7 and $4.95 billion, adjusted EBITDA6 of between $500 and $535 million, and non-GAAP diluted EPS6 of between $4.00 and $4.35. 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) 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) 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. (4) ARPU: Average monthly revenue per Brigit Paying Subscriber, where Brigit Paying Subscriber is defined as in footnote 3 above. (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) Non-GAAP financial measures contained in this release include: (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.

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, future same store sales expectations and other statements regarding our future outlook. 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 fourth quarter 2025 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, 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/20260219880849/en/ Upbound Investor Relations: investor.relations@upbound.com 972-801-1103 Source: Upbound Group, Inc.

Achieves FY 2025 Targets for Revenue, Adjusted EBITDA, Non-GAAP Diluted EPS, and Free Cash Flow Record Acima GMV, Brigit Growth Accelerates, Rent-A-Center Positive Same Store Sales Total Revenue CEO Commentary “2025 was a transformative year for Upbound. We welcomed a new segment and team members at Brigit along with our new Chief Financial Officer and Chief Growth Officer. We were able to strengthen our foundation for future growth while continuing to deliver strong performance,” said CEO Fahmi Karam. “In 2025, we achieved both top-line and bottom-line growth, with revenue increasing 8.7% year-over-year and Non- GAAP diluted EPS increasing 7.8% year- over- year. These results are a testament to our team’s ability to adapt and find new ways to serve our customers in an evolving consumer landscape. “In 2026, we believe our focus on execution, efficiency, and innovation will enable us to build on our performance in 2025. We will focus on enhancements across our digital and retail channels to facilitate sustained profitable growth. We will utilize our data and technology investment to focus on the customer journey, prudent risk management, and unlocking additional synergies across brands. Upbound is well positioned to continue elevating our customers’ financial opportunity for the long term while achieving strong financial and operational results,” concluded Mr. Karam. Upbound Group, Inc. Earnings Release February 19, 2026 Fourth Quarter 2025 Results & Key Metrics Fourth Quarter Consolidated Results • Consolidated revenues of $1,196.4 million increased 10.9% year- over-year, driven by the acquisition of Brigit, in addition to strong revenue growth at Acima. • GAAP operating profit of $57.2 million, including $50.1 million of pre- tax costs relating to special items described at the end of this release, compared to $79.2 million of GAAP operating profit, including $24.7 million of pre-tax costs relating to special items, in the prior year period. Fourth quarter 2025 GAAP operating profit margin was 4.8%, compared to 7.3% in the prior year period. • Net earnings on a GAAP basis of $19.7 million, compared to $31.0 million in the prior year period, a $11.2 million decrease. Net profit margin of 1.7% decreased 120 bps year-over-year. • Adjusted EBITDA1 increased 2.6% year-over-year to $125.9 million, due primarily to the addition of the Brigit segment and an increase in Adjusted EBITDA in the Acima segment, partially offset by a decrease in Adjusted EBITDA in the Rent-A-Center segment. • Adjusted EBITDA margin1 of 10.5% decreased 90 basis points compared to the prior year period, due primarily to a decrease in Adjusted EBITDA margin in the Rent-A-Center segment, partially offset by the addition of the Brigit segment. • GAAP diluted earnings per share was $0.34, compared to GAAP diluted earnings per share of $0.55 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 $1.01 for the fourth quarter of 2025, compared to $1.05 in the prior year period. 1 (1)Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this release. $1,196M Total Revenue GAAP Diluted EPS $0.34 Non-GAAP Diluted EPS1 Net Earnings $20M Adjusted EBITDA1 $1.01$126M

$41.6M +$103.5M y/y LCO Rate Fourth Quarter Highlights $631.0M +8.6% y/y Revenue YoY Increase$75.6M +8.5% y/y • GMV from the Acima direct-to-consumer marketplace grew over 60% y/y in the fourth quarter. Acima’s direct-to-consumer marketplace represented nearly 10% of total GMV during the quarter. • Customers on lease as of period-end increased approximately 3% y/y. • GMV increased 0.4% y/y in the fourth quarter. • Net earnings margin was 12.0%, unchanged from the prior year period, and Adjusted EBITDA margin was 13.8%, a decrease of 10 bps y/y. Total Revenue Net Earnings 10.1% +110 bps y/y $86.9M +7.3% y/y LCO Rate Adjusted EBITDA1 $479.9M +0.0% y/y Revenue YoY Increase $63.7M -14.2% y/y • Revenues of $479.9M remained approximately flat y/y, while company-owned same store sales increased 0.8% y/y, an improvement of 440 bps sequentially. • Net earnings of $63.7M and Adjusted EBITDA of $69.2M decreased $10.5M and $10.8M y/y, respectively. • Lease charge-offs (LCO) for company-owned Rent-A-Center stores were 4.9%, decreasing 10 bps y/y. • Rent-A-Center segment financials include all franchised locations, which had been reported separately prior to Q1 2025. Total Revenue Net Earnings 4.9% -10 bps y/y $69.2M -13.5% y/y Adjusted EBITDA1 $64.6M +41.5% y/y 1.55M +28.9% y/y • Paying subscribers increased approximately 29% y/y. • Average monthly revenue per user (ARPU) increased 9.7% y/y, driven by higher expedited transfer revenue, deeper engagement with marketplace offers, and a shift toward Brigit’s Premium tier. • Net earnings of $6.8M with a net profit margin of 10.5%, and Adjusted EBITDA of $11.1M with an Adjusted EBITDA margin of 17.2%. • Highly efficient, scalable tech platform drives more than $1.5M in annualized revenue per full-time employee.2 Total Revenue Paying Subscribers 3.5% +70 bps y/y $14.15 +9.7% y/y Net Advance Loss Rate ARPU $0.39 +5.4% y/y • Net Cash Provided by Operating Activities of $41.6M increased more than $100M y/y. • Upbound’s strong cash flow generation supports its capital allocation priorities, including its dividend. The Company paid a quarterly dividend of $0.39 per share, a 5.4% increase y/y. Net Cash Provided by Operating Activities Quarterly Dividend Per Share 2 Note: Definitions of certain key performance metrics are available on page five of this release. (1) Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this release. (2) Annualized revenue is calculated using Q4 revenue for the Brigit segment multiplied by four quarters. *Upbound acquired Brigit on January 31, 2025.

2025 Consolidated Results 3 • Consolidated revenues of $4.7 billion increased 8.7% year-over-year due to both higher rentals and fees revenue and higher merchandise sales revenue at Acima in addition to the acquisition of Brigit. • GAAP operating profit of $223.3 million, including $212.2 million of pre- tax costs relating to special items described at the end of this release, compared to $291.6 million of GAAP operating profit, including $104.6 million of pre-tax costs relating to special items, in the prior year period. GAAP operating profit margin for the full year was 4.8%, compared to 6.7% in the prior year. • Net earnings on a GAAP basis of $73.2 million, compared to net earnings on a GAAP basis of $123.5 million in the prior year period. Net profit margin of 1.6% decreased 130 bps year-over-year. • Adjusted EBITDA increased 7.5% year-over-year to $508.8 million, due primarily to the addition of the Brigit segment and an increase in Adjusted EBITDA in the Acima segment, partially offset by a decrease in Adjusted EBITDA in the Rent-A-Center segment. • Adjusted EBITDA margin of 10.8% decreased 20 basis points compared to the prior year, driven primarily by a decrease in Adjusted EBITDA margin in the Rent-A- Center segment, partially offset by the addition of the Brigit segment and an increase in Adjusted EBITDA margin in the Acima segment. • GAAP diluted earnings per share was $1.25, compared to GAAP earnings per share of $2.21 in the prior year. • Non-GAAP diluted earnings per share, which excludes the impact of special items described at the end of this release, was $4.13 for the full year 2025, compared to $3.83 in the prior year. • For the year ended December 31, 2025, the Company returned $87.9 million of cash to stockholders through a $1.56 per share annualized dividend. • For the year ended December 31, 2025, cash flow from operations was $305.6 million. As of December 31, 2025, cash and cash equivalents was $120.5 million, debt outstanding was $1.6 billion, liquidity was $358.1 million, including $237.6 million of revolving credit availability, and net leverage ratio was 2.9x.1 (1)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 2026 Financial Outlook The Company is providing the following guidance for its 2026 fiscal year. Conference Call and Webcast Information Upbound Group, Inc. will host a conference call to discuss fourth quarter and FY 2025 results, guidance and other operational matters on the morning of Thursday, February 19, 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 finished the year on a strong note, with fourth quarter performance enabling the Company to achieve results above the midpoint of our annual guidance,” said CFO Hal Khouri. “At the segment level, Acima finished the year with its ninth consecutive quarter of GMV growth, while Rent-A-Center achieved positive same store sales in the fourth quarter. Our newest segment, Brigit, accelerated its growth, with revenue increasing nearly 40% in 2025. “Our growth was underpinned by our disciplined underwriting. In response to a challenging macroeconomic environment, we made proactive targeted refinements to our decisioning across the business. “Our strong cash flow generation in 2025 enabled meaningful progress toward our capital allocation priorities, including reinvestment in our enterprise technology and support for our dividend. In the year ahead, we expect additional cash flow growth, further supporting our debt and leverage reduction objectives. Our 2025 results paired with our outlook gives us confidence in our ability to achieve continued success and drive shareholder value, in 2026 and beyond,” concluded Mr. Khouri. 4 Table 1 Consolidated Guidance1,2 Full Year 2026 First Quarter 2026 Revenues ($B) $4.70 - $4.95 $1.16 - $1.26 Adj. EBITDA Excluding SBC ($M)3 $500 - $535 $120 - $130 Non-GAAP Diluted Earnings Per Share3 $4.00 - $4.35 $1.05 - $1.15

Table 2 Q4 2025 Q4 2024 Q3 2025Metrics ($'s Millions - except per share and ARPU) Consolidated Revenue $ 1,196.4 $ 1,079.2 $ 1,164.7 Revenue Y/Y % Change 10.9 % 6.0 % 9.0 % GAAP Operating Profit $ 57.2 $ 79.2 $ 52.8 Net Earnings $ 19.7 $ 31.0 $ 13.2 Net Profit Margin 1.7 % 2.9 % 1.1 % Adj. EBITDA (1) $ 125.9 $ 122.8 $ 123.6 Adj. EBITDA Margin (1) 10.5 % 11.4 % 10.6 % GAAP Operating Expenses as % of Total Revenue 44.3 % 39.8 % 43.8 % GAAP Diluted EPS $ 0.34 $ 0.55 $ 0.22 Non-GAAP Diluted EPS (1) $ 1.01 $ 1.05 $ 1.00 On-Rent Rental Merchandise, Net $ 1,202.3 $ 1,134.9 $ 1,090.8 Net Cash Provided by Operating Activities $ 41.6 $ (61.9) $ 89.9 Free Cash Flow (1) $ 13.5 $ (74.0) $ 50.2 Acima Segment GMV (2) $ 549.8 $ 547.8 $ 484.0 GMV (Y/Y % Change) (2) 0.4 % 15.3 % 11.0 % Revenue $ 631.0 $ 581.1 $ 625.3 Revenue Y/Y % Change 8.6 % 14.4 % 10.4 % GAAP Operating Profit/GAAP Net Earnings $ 75.6 $ 69.7 $ 63.7 Net Profit Margin 12.0 % 12.0 % 10.2 % Adj. EBITDA (1) $ 86.9 $ 80.9 $ 75.0 Adj. EBITDA Margin (1) 13.8 % 13.9 % 12.0 % On-Rent Rental Merchandise, Net $ 710.8 $ 693.1 $ 660.6 Lease Charge-Off Rate (3) 10.1 % 9.0 % 9.7 % 60+ Day Past Due Rate (4) 13.0 % 13.3 % 12.7 % Brigit Segment (5) Cash Advance Volume (6) $ 404.7 $ 389.8 Paying Users (7) 1,550,718 1,443,832 ARPU (8) $ 14.15 $ 13.74 Revenue $ 64.6 $ 57.7 GAAP Operating Profit/GAAP Net Earnings $ 6.8 $ 4.6 Net Profit Margin 10.5 % 7.9 % Adj. EBITDA (1) $ 11.1 $ 9.3 Adj. EBITDA Margin (1) 17.2 % 16.1 % Net Advance Loss Rate (9) 3.5 % 3.3 % Rent-A-Center Segment Lease Portfolio - Monthly Value (as of period end) (10) $ 137.4 $ 136.8 $ 129.4 Same Store Lease Portfolio Value (Y/Y % Change - as of period end) (11) 0.7 % (2.0) % (1.8) % Same Store Sales (Y/Y % Change) (12) 0.8 % — % (3.6) % Revenue $ 479.9 $ 479.8 $ 461.1 Revenue Y/Y % Change — % (2.3) % (4.7) % GAAP Operating Profit/GAAP Net Earnings $ 63.7 $ 74.2 $ 56.4 Net Profit Margin 13.3 % 15.5 % 12.2 % Adj. EBITDA (1) $ 69.2 $ 80.0 $ 74.7 Adj. EBITDA Margin (1) 14.4 % 16.7 % 16.2 % On-Rent Rental Merchandise, Net $ 465.1 $ 420.4 $ 405.8 Lease-Charge Off Rate (3) 4.9 % 5.0 % 4.7 % 30+ Day Past Due Rate (13) 3.3 % 3.4 % 3.3 % Corporate Owned Store Count (U.S. & PR - as of period end) 1,722 1,728 1,724 Financial Highlights *Please see footnotes on page 7. Key Metrics 5

Financial Highlights (continued) Table 3 FY 2025 FY 2024Metrics ($'s Millions - except per share and ARPU) Consolidated Revenue $ 4,695.1 $ 4,320.6 Revenue Y/Y % Change 8.7 % 8.2 % GAAP Operating Profit $ 223.3 $ 291.6 Net Earnings $ 73.2 $ 123.5 Net Profit Margin 1.6 % 2.9 % Adj. EBITDA (1) $ 508.8 $ 473.2 Adj. EBITDA Margin (1) 10.8 % 11.0 % GAAP Operating Expenses as % of Total Revenue 43.6 % 41.4 % GAAP Diluted EPS $ 1.25 $ 2.21 Non-GAAP Diluted EPS (1) $ 4.13 $ 3.83 On-Rent Rental Merchandise, Net $ 1,202.3 $ 1,134.9 Net Cash Provided by Operating Activities $ 305.6 $ 104.7 Free Cash Flow (1) $ 180.5 $ 48.4 Acima Segment GMV (2) $ 2,010.1 $ 1,851.6 GMV (Y/Y % Change) (2) 8.6 % 17.1 % Revenue $ 2,512.5 $ 2,261.4 Revenue Y/Y % Change 11.1 % 17.1 % GAAP Operating Profit/GAAP Net Earnings $ 295.0 $ 255.5 Net Profit Margin 11.7 % 11.3 % Adj. EBITDA (1) $ 340.1 $ 302.4 Adj. EBITDA Margin (1) 13.5 % 13.4 % On-Rent Rental Merchandise, Net $ 710.8 $ 693.1 Lease Charge-Off Rate (3) 9.5 % 9.4 % 60+ Day Past Due Rate (4) 12.7 % 13.0 % Brigit Segment (excludes period prior to January 31, 2025)(5) Cash Advance Volume (6) $ 1,369.0 Paying Users (7) 1,550,718 ARPU (8) $ 13.65 Revenue $ 206.0 GAAP Operating Profit/GAAP Net Earnings $ 30.7 Net Profit Margin 14.9 % Adj. EBITDA (1) $ 46.2 Adj. EBITDA Margin (1) 22.4 % Net Advance Loss Rate (9) 3.0 % Rent-A-Center Segment Lease Portfolio - Monthly Value (as of period end) (10) $ 137.4 $ 136.8 Same Store Lease Portfolio Value (Y/Y % Change - as of period end) (11) 0.7 % (2.0) % Same Store Sales (Y/Y % Change) (12) (2.2) % 1.5% Revenue $ 1,897.2 $ 1,980.4 Revenue Y/Y % Change (4.2) % (0.3) % GAAP Operating Profit/GAAP Net Earnings $ 249.5 $ 297.2 Net Profit Margin 13.2 % 15.0 % Adj. EBITDA (1) $ 284.4 $ 325.0 Adj. EBITDA Margin (1) 15.0 % 16.4 % On-Rent Rental Merchandise, Net $ 465.1 $ 420.4 Lease-Charge Off Rate (3) 4.7 % 4.7 % 30+ Day Past Due Rate (13) 3.2 % 3.2 % Corporate Owned Store Count (U.S. & PR - as of period end) 1,722 1,728 Key Metrics 6 *Please see footnotes on page 7.

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. 7

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 8

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 (which includes Bridge IT, Inc. (“Brigit”) following the closing of our acquisition of Brigit (the “Merger”) on January 31, 2025) and our 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, including in connection with the regulatory matters in which the Company is involved, 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 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 (44) changes in estimates relating to self-insurance liabilities and income tax reserves; (45) changes in the Company's effective tax rate; (46) fluctuations in foreign currency exchange rates; (47) the Company's ability to maintain an effective system of internal controls; and (48) 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. 9

Upbound Group, Inc. and Subsidiaries CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED Table 4 Three Months Ended December 31, Year Ended December 31, (in thousands, except per share data) 2025 2024 2025 2024 Revenues Rentals and fees $ 921,882 $ 877,311 $ 3,627,019 $ 3,513,658 Merchandise sales 202,711 192,585 829,268 773,744 Subscriptions and fees 64,610 — 206,024 — Other 7,242 9,332 32,750 33,162 Total revenues 1,196,445 1,079,228 4,695,061 4,320,564 Cost of revenues Cost of rentals and fees 367,008 347,445 1,441,758 1,355,539 Cost of merchandise sold 235,408 223,545 957,621 884,674 Cost of subscriptions and fees 7,350 — 23,973 — Total cost of revenues 609,766 570,990 2,423,352 2,240,213 Gross profit 586,679 508,238 2,271,709 2,080,351 Operating expenses Operating labor 152,316 142,217 602,301 609,169 Non-labor operating expenses 258,685 197,878 949,918 811,635 General and administrative expenses 54,518 52,249 231,963 212,450 Depreciation and amortization 13,824 12,025 51,959 50,886 Other gains and charges 50,091 24,714 212,221 104,580 Total operating expenses 529,434 429,083 2,048,362 1,788,720 Operating profit 57,245 79,155 223,347 291,631 Debt refinancing charges — — 4,894 6,604 Interest expense 27,997 25,422 112,980 110,585 Interest income (613) (646) (2,618) (3,099) Earnings before income taxes 29,861 54,379 108,091 177,541 Income tax expense 10,118 23,397 34,849 54,063 Net earnings $ 19,743 $ 30,982 $ 73,242 $ 123,478 Basic weighted average shares 56,738 54,721 56,479 54,654 Basic earnings per common share $ 0.35 $ 0.57 $ 1.30 $ 2.26 Diluted weighted average shares 58,537 56,112 58,612 55,933 Diluted earnings per common share $ 0.34 $ 0.55 $ 1.25 $ 2.21 REVENUES BY SEGMENT Acima $ 630,958 $ 581,123 $ 2,512,484 $ 2,261,446 Rent-A-Center 479,928 479,844 1,897,161 1,980,392 Brigit 64,610 — 206,024 — Mexico 20,949 18,261 79,392 78,726 Total revenues $ 1,196,445 $ 1,079,228 $ 4,695,061 $ 4,320,564 10

Upbound Group, Inc. and Subsidiaries SELECTED BALANCE SHEETS HIGHLIGHTS - UNAUDITED Table 5 December 31, (in thousands) 2025 2024 Cash and cash equivalents $ 120,528 $ 60,860 Receivables, net 203,194 156,438 Prepaid expenses and other assets 153,010 54,205 Rental merchandise, net On rent 1,202,282 1,134,860 Held for rent 114,525 113,922 Operating lease right-of-use assets 272,692 265,537 Goodwill 488,158 290,189 Total assets 3,276,081 2,649,662 Operating lease liabilities $ 286,798 $ 272,983 Senior debt, net 1,126,030 867,726 Senior notes, net 443,854 441,890 Total liabilities 2,580,341 2,020,678 Total stockholders’ equity 695,740 628,984 11

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) 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) Adjusted EBITDA margin (Adjusted EBITDA divided by total revenue) on a consolidated and segment basis, (4) Free Cash Flow (net cash provided by operating activities less capital expenditures and customer cash advances), and (5) 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. 12

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 6 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 this earnings release. (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. 13

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 14 Table 7 Three Months Ended September 30, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 563,076 $ 52,753 $ 19,870 $ 6,649 $ 13,221 $ 0.22 Plus: Debt refinancing charges — — 4,894 1,150 3,744 0.06 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 3,502 11,398 0.19 Legal matters(3) — 12,612 12,612 2,964 9,648 0.16 Asset Impairment(4) — 11,583 11,583 2,722 8,861 0.15 Brigit acquired assets depreciation and amortization(5) — 6,216 6,216 1,461 4,755 0.08 Brigit equity consideration vesting(6) — 5,101 5,101 — 5,101 0.09 Brigit replacement awards and other compensation(7) — 4,495 4,495 1,056 3,439 0.06 Brigit transaction costs — 551 551 129 422 0.01 Other(8) — (2,087) (2,087) (490) (1,597) (0.02) Non-GAAP Adjusted Results $ 563,076 $ 106,124 $ 78,135 $ 19,143 $ 58,992 $ 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 this 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 $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 to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 8 Three Months Ended December 31, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 508,238 $ 79,155 $ 54,379 $ 23,397 $ 30,982 $ 0.55 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,899 14,899 3,407 11,492 0.21 Legal matters(3) — 4,026 4,026 921 3,105 0.06 Transaction fees (4) 3,656 3,656 836 2,820 0.05 Accelerated stock compensation(5) — 1,652 1,652 378 1,274 0.02 Asset impairments — (16) (16) (4) (12) — Other(6) — 497 497 114 383 — Discrete income tax items — — — (8,978) 8,978 0.16 Non-GAAP Adjusted Results $ 508,238 $ 103,869 $ 79,093 $ 20,071 $ 59,022 $ 1.05 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this 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 expenses of $2.5 million related to estimated legal accruals and $1.6 million in litigation and defense expenses for a regulatory lawsuit 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 transaction fees related to the Brigit acquisition. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (6) Primarily includes shutdown and holding expenses related to store closures. 15

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 9 Year Ended December 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 2,271,709 $ 223,347 $ 108,091 $ 34,849 $ 73,242 $ 1.25 Plus: Debt refinancing charges — — 4,894 1,255 3,639 0.06 Plus: Special Items(1) Legal matters(2) — 76,439 76,439 19,606 56,833 0.98 Acima acquired assets depreciation and amortization(3) — 59,600 59,600 15,286 44,314 0.76 Brigit acquired assets depreciation and amortization(4) 22,792 22,792 5,846 16,946 0.29 Brigit equity consideration vesting(5) — 19,997 19,997 — 19,997 0.34 Brigit replacement awards and other compensation(6) — 14,313 14,313 2,424 11,889 0.20 Asset impairments(7) — 12,963 12,963 3,325 9,638 0.16 Brigit transaction costs — 6,685 6,685 758 5,927 0.10 Accelerated stock compensation(8) — 1,599 1,599 410 1,189 0.02 Other(9) — (2,167) (2,167) (556) (1,611) (0.03) Non-GAAP Adjusted Results $ 2,271,709 $ 435,568 $ 325,206 $ 83,203 $ 242,003 $ 4.13 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this earnings release. (2) Includes expenses of $70.3 million related to estimated legal accruals and $6.1 million in litigation and defense expenses for a regulatory lawsuit 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 and a recently settled patent infringement lawsuit. (3) Includes amortization of approximately $43.7 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (4) Includes amortization expense of approximately $14.3 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $8.5 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) Includes lease impairments of approximately $12.4 million and fixed assets impairments of approximately $0.6 million. (8) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (9) Primarily includes interest income on tax refunds for prior years received in 2025 and shutdown and holding costs related to store closures and severance. 16

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 10 Year Ended December 31, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 2,080,351 $ 291,631 $ 177,541 $ 54,063 $ 123,478 $ 2.21 Plus: Debt refinancing charges — — 6,604 1,883 4,721 0.08 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 61,347 61,347 15,656 45,691 0.82 Legal matters(3) — 15,764 15,764 3,532 12,232 0.22 Accelerated software depreciation(4) — 6,145 6,145 1,752 4,393 0.08 Asset impairments(5) — 5,944 5,944 1,700 4,244 0.08 Accelerated stock compensation(6) — 5,073 5,073 1,241 3,832 0.06 Acima equity consideration vesting(7) — 4,893 4,893 (1,028) 5,921 0.11 Transaction fees(8) — 3,656 3,656 836 2,820 0.05 Other(9) — 1,758 1,758 435 1,323 0.02 Discrete income tax items — — — (5,521) 5,521 0.10 Non-GAAP Adjusted Results $ 2,080,351 $ 396,211 $ 288,725 $ 74,549 $ 214,176 $ 3.83 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this earnings release. (2) Includes amortization of approximately $45.5 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (3) Includes expenses of $10.7 million related to estimated legal accruals and $5.1 million in litigation and defense expenses for a regulatory lawsuit 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 incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system previously used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system that was deployed in the third quarter of 2024. (5) Includes lease impairments of approximately $5.3 million and fixed assets impairments of approximately $0.6 million. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Represents stock compensation expense related to common stock issued to Acima Holdings employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (8) Represents transaction fees related to the Brigit acquisition. (9) Primarily includes shutdown and holding expenses related to store closures. 17

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 11 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 this earnings release. (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. 18

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 19 Table 12 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 4 of this 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 $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) Table 13 Three Months Ended December 31, 2024 (in thousands) Acima Rent-A- Center Mexico Corporate Consolidated Net earnings (loss) $ 69,653 $ 74,193 $ 667 $ (113,531) $ 30,982 Plus: Interest expense, net — — — 24,776 24,776 Plus: Income tax expense — — — 23,397 23,397 Operating profit (loss) 69,653 74,193 667 (65,358) 79,155 Plus: Depreciation and amortization 352 5,423 427 5,823 12,025 Plus: Stock-based compensation — — — 6,859 6,859 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,927 — — 3,972 14,899 Legal matters(3) — — — 4,026 4,026 Transaction fees(4) — — — 3,656 3,656 Accelerated stock compensation(5) — — — 1,652 1,652 Asset impairments — (16) — — (16) Other(6) — 360 — 137 497 Adjusted EBITDA $ 80,932 $ 79,960 $ 1,094 $ (39,233) $ 122,753 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this 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 expenses of $2.5 million related to estimated legal accruals and $1.6 million in litigation and defense expenses for a regulatory lawsuit 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 transaction fees related to the Brigit acquisition. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (6) Primarily includes shutdown and holding expenses related to store closures. 20

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 14 Year Ended December 31, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 294,971 $ 249,521 $ 30,656 $ 5,450 $ (507,356) $ 73,242 Plus: Interest expense, net — — — — 110,362 110,362 Plus: Income tax expense — — — — 34,849 34,849 Plus: Debt refinancing charges — — — — 4,894 4,894 Operating profit (loss) 294,971 249,521 30,656 5,450 (357,251) 223,347 Plus: Amortization, Depreciation 1,456 21,304 75 2,051 27,073 51,959 Plus: Stock-based compensation 21,265 21,265 Plus: Special Items(1) Legal matters(2) — — — — 76,439 76,439 Acima acquired assets depreciation and amortization(3) 43,714 — — — 15,886 59,600 Brigit acquired assets depreciation and amortization(4) — — 14,267 — 8,525 22,792 Brigit equity consideration vesting(5) — — — — 19,997 19,997 Brigit replacement awards and other compensation(6) — — 1,183 — 13,130 14,313 Asset impairments(7) — 12,757 — — 206 12,963 Brigit transaction costs — — — — 6,685 6,685 Accelerated stock compensation(8) — — — — 1,599 1,599 Other(9) — 797 — — (2,964) (2,167) Adjusted EBITDA $ 340,141 $ 284,379 $ 46,181 $ 7,501 $ (169,410) $ 508,792 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this earnings release. (2) Includes expenses of $70.3 million related to estimated legal accruals and $6.1 million in litigation and defense expenses for a regulatory lawsuit 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 and a recently settled patent infringement lawsuit. (3) Includes amortization of approximately $43.7 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (4) Includes amortization expense of approximately $14.3 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $8.5 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) Includes lease impairments of approximately $12.4 million and fixed assets impairments of approximately $0.6 million. (8) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (9) Primarily includes interest income on tax refunds for prior years received in 2025 and shutdown and holding costs related to store closures and severance. 21

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 15 Year Ended December 31, 2024 (in thousands) Acima Rent-A- Center Mexico Corporate Consolidated Net earnings (loss) $ 255,549 $ 297,160 $ 4,806 $ (434,037) $ 123,478 Plus: Interest expense, net — — — 107,486 107,486 Plus: Income tax expense — — — 54,063 54,063 Plus: Debt refinancing charges — — — 6,604 6,604 Operating profit (loss) 255,549 297,160 4,806 (265,884) 291,631 Plus: Amortization, Depreciation 1,376 20,508 1,566 27,436 50,886 Plus: Stock-based compensation — — — 26,108 26,108 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 45,460 — — 15,887 61,347 Legal matters(3) — — — 15,764 15,764 Accelerated software depreciation(4) — — — 6,145 6,145 Asset Impairment(5) — 5,944 — — 5,944 Accelerated stock compensation(6) — — — 5,073 5,073 Acima equity consideration vesting(7) — — — 4,893 4,893 Transaction fees(8) — — — 3,656 3,656 Other(9) — 1,384 — 374 1,758 Adjusted EBITDA $ 302,385 $ 324,996 $ 6,372 $ (160,548) $ 473,205 (1) Special items are reported as Other Gains and Charges in the Company’s Consolidated Statements of Operations included in Table 4 of this earnings release. (2) Includes amortization of approximately $45.5 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (3) Includes expenses of $10.7 million related to estimated legal accruals and $5.1 million in litigation and defense expenses for a regulatory lawsuit 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 incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system previously used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system that was deployed in the third quarter of 2024. (5) Includes lease impairments of approximately $5.3 million and fixed assets impairments of approximately $0.6 million. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Represents stock compensation expense related to common stock issued to Acima Holdings employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (8) Represents transaction fees related to the Brigit acquisition. (9) Primarily includes shutdown and holding expenses related to store closures. 22

Reconciliation of Net Cash Provided by Operating Activities to Free Cash Flow Table 16 Three Months Ended December 31, Year Ended December 31, Three Months Ended (in thousands) 2025 2024 2025 2024 September 30, 2025 Net cash provided by (used in) operating activities $ 41,584 $ (61,945) $ 305,571 $ 104,721 $ 89,908 Net originations and collections of customer cash advances (10,539) — (58,227) — (19,159) Purchase of property assets (17,536) (12,083) (66,863) (56,275) (20,504) Free cash flow $ 13,509 $ (74,028) $ 180,481 $ 48,446 $ 50,245 23

Table 17 (in millions, except net leverage ratio) Q4 2025 Outstanding debt $ 1,586.8 Less: Cash and cash equivalents 120.5 Net debt 1,466.3 Adjusted EBITDA(1) Last twelve months Adjusted EBITDA $ 508.8 Net leverage ratio 2.9 x (1) Refer to Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 14 of this earnings release for additional details of Adjusted EBITDA. Net Leverage Ratio 24

Fourth Quarter & Full Year 2025 Earnings Review February 19, 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, including those related to our acquisition of Bridge IT, Inc. ("Brigit") on January 31, 2025. 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) Adjusted EBITDA margin (Adjusted EBITDA divided by total revenue) on a consolidated and segment basis, (4) Net debt (outstanding debt less cash and cash equivalents), and (5) 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

$1.25 GAAP Diluted EPS -$0.96 y/y $73.2 million Net Income -$50.3 million y/y $4.13 Non-GAAP Diluted EPS1 +$0.30 y/y $508.8 million Adjusted EBITDA1 +7.5% y/y 2025 Consolidated Financial Highlights $4.7 billion Consolidated Revenue +8.7% y/y $305.6 million Net Cash Provided by Operating Activities +$200.9 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 Annual Consolidated Financial Trends

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. 7 Quarterly Consolidated Financial Highlights

• Virtual lease-to-own platform • Digital model expands access to more consumers through 35k+ retailer locations and expanding direct-to-consumer marketplace • Nine consecutive quarters of GMV growth • 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: Virtual LTO, Subscription FinTech, Cash-Generative Rent-to-Own Upbound Segments at a Glance 8Three core brands addressing the needs of underserved consumers across their financial journey

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

Brigit Quarterly Highlights 10 Revenue1 ($M) Net Advance Loss Rate1,3 ARPU1,4 Paying Users2 (000s) 1 Q1 figures begin on January 31, 2025. Upbound acquired Brigit on January 31, 2025. 2 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. 3 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. 4 ARPU: Average monthly revenue per Brigit Paying User, where Brigit Paying User is defined as in footnote 2 above. Revenue by Source

Rent-A-Center Quarterly Highlights 11 Revenue ($M) Lease Charge-Off3 Rate Adjusted EBITDA2 ($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 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 3 For the Rent-A-Center segment, LCOs exclude Get-It-Now, Home Choice, and Franchise-owned Rent-A-Center locations. Rental Revenue by Product Category

Net Cash Provided by Operating Activities ($M) Net Leverage Ratio1 Net Debt2 ($B) Annual Dividend Paid Per Share 12 Year-End Financial Position & Capital Allocation 1 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. 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.

Full Year 2026 Guidance 13 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 First Quarter 2026 Revenues ($B) $4.70 - $4.95 $1.16 - $1.26 Adj. EBITDA Excluding SBC ($M)2 $500 - $535 $120 - $130 Non-GAAP Diluted Earnings Per Share2 $4.00 - $4.35 $1.05 - $1.15

Appendix

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 15 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. (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 to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Three Months Ended December 31, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 508,238 $ 79,155 $ 54,379 $ 23,397 $ 30,982 $ 0.55 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,899 14,899 3,407 11,492 0.21 Legal matters(3) — 4,026 4,026 921 3,105 0.06 Transaction fees(4) — 3,656 3,656 836 2,820 0.05 Accelerated stock compensation(5) — 1,652 1,652 378 1,274 0.02 Asset impairments — (16) (16) (4) (12) — Other(6) — 497 497 114 383 — Discrete income tax items — — — (8,978) 8,978 0.16 Non-GAAP Adjusted Results $ 508,238 $ 103,869 $ 79,093 $ 20,071 $ 59,022 $ 1.05 (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 expenses of $2.5 million related to estimated legal accruals and $1.6 million in litigation and defense expenses for a regulatory lawsuit 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 transaction fees related to the Brigit acquisition. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (6) Primarily includes shutdown and holding expenses related to store closures. 16

Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 17 Year Ended December 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 2,271,709 $ 223,347 $ 108,091 $ 34,849 $ 73,242 $ 1.25 Plus: Debt refinancing charges — — 4,894 1,255 3,639 0.06 Plus: Special Items(1) Legal matters(2) — 76,439 76,439 19,606 56,833 0.98 Acima acquired assets depreciation and amortization(3) — 59,600 59,600 15,286 44,314 0.76 Brigit acquired assets depreciation and amortization(4) 22,792 22,792 5,846 16,946 0.29 Brigit equity consideration vesting(5) — 19,997 19,997 — 19,997 0.34 Brigit replacement awards and other compensation(6) — 14,313 14,313 2,424 11,889 0.20 Asset impairments(7) — 12,963 12,963 3,325 9,638 0.16 Brigit transaction costs — 6,685 6,685 758 5,927 0.10 Accelerated stock compensation(8) — 1,599 1,599 410 1,189 0.02 Other(9) (2,167) (2,167) (556) (1,611) (0.03) Non-GAAP Adjusted Results $ 2,271,709 $ 435,568 $ 325,206 $ 83,203 $ 242,003 $ 4.13 (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 expenses of $70.3 million related to estimated legal accruals and $6.1 million in litigation and defense expenses for a regulatory lawsuit 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 and a recently settled patent infringement lawsuit. (3) Includes amortization of approximately $43.7 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (4) Includes amortization expense of approximately $14.3 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $8.5 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) Includes lease impairments of approximately $12.4 million and fixed assets impairments of approximately $0.6 million. (8) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (9) 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 to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Year Ended December 31, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $ 2,080,351 $ 291,631 $ 177,541 $ 54,063 $ 123,478 $ 2.21 Plus: Debt refinancing charges — — 6,604 1,883 4,721 0.08 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 61,347 61,347 15,656 45,691 0.82 Legal matters(3) — 15,764 15,764 3,532 12,232 0.22 Accelerated software depreciation(4) — 6,145 6,145 1,752 4,393 0.08 Asset impairments(5) — 5,944 5,944 1,700 4,244 0.08 Accelerated stock compensation(6) — 5,073 5,073 1,241 3,832 0.06 Acima equity consideration vesting(7) — 4,893 4,893 (1,028) 5,921 0.11 Transaction fees(8) — 3,656 3,656 836 2,820 0.05 Other(9) — 1,758 1,758 435 1,323 0.02 Discrete income tax items — — — (5,521) 5,521 0.10 Non-GAAP Adjusted Results $ 2,080,351 $ 396,211 $ 288,725 $ 74,549 $ 214,176 $ 3.83 (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 of approximately $45.5 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (3) Includes expenses of $10.7 million related to estimated legal accruals and $5.1 million in litigation and defense expenses for a regulatory lawsuit 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 incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system previously used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system that was deployed in the third quarter of 2024. (5) Includes lease impairments of approximately $5.3 million and fixed assets impairments of approximately $0.6 million. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Represents stock compensation expense related to common stock issued to Acima Holdings employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (8) Represents transaction fees related to the Brigit acquisition. (9) Primarily includes shutdown and holding expenses related to store closures. 18

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 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. (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. 19

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 20 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 financing 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 impairments(4) — 11,583 — — — 11,583 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit equity consideration(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 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 $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) 21 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 impairments — — — — 206 206 Brigit 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-Sate Attorneys' General regulatory investigation and the previously disclosed McBurnie class action, which class action we agreed to settle in 2025. (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) 22 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 acquired assets depreciation and amortization(4) — — 2,594 — 1,550 4,144 Brigit equity consideration vesting(5) — — — — 4,059 4,059 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 3 of our earnings release for the three months ended March 31, 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 $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) 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. (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) 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 acquistion.

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended December 31, 2024 (in thousands) Acima Rent-A-Center Mexico Corporate Consolidated Net earnings (loss) $ 69,653 $ 74,193 $ 667 $ (113,531) $ 30,982 Plus: Interest expense, net — — — 24,776 24,776 Plus: Income tax expense — — — 23,397 23,397 Operating profit (loss) 69,653 74,193 667 (65,358) 79,155 Plus: Depreciation and amortization 352 5,423 427 5,823 12,025 Plus: Stock-based compensation — — — 6,859 6,859 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,927 — — 3,972 14,899 Legal matters(3) — — — 4,026 4,026 Transaction fees(4) — — — 3,656 3,656 Accelerated stock compensation(5) — — — 1,652 1,652 Asset impairments — (16) — — (16) Other(6) — 360 — 137 497 Adjusted EBITDA $ 80,932 $ 79,960 $ 1,094 $ (39,233) $ 122,753 (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 expenses of $2.5 million related to estimated legal accruals and $1.6 million in litigation and defense expenses for a regulatory lawsuit 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 transaction fees related to the Brigit acquisition. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (6) Primarily includes shutdown and holding expenses related to store closures. 23

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Year Ended December 31, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 294,971 $ 249,521 $ 30,656 $ 5,450 $ (507,356) $ 73,242 Plus: Interest expense, net — — — — 110,362 110,362 Plus: Income tax expense — — — — 34,849 34,849 Plus: Debt refinancing charges — — — — 4,894 4,894 Operating profit (loss) 294,971 249,521 30,656 5,450 (357,251) 223,347 Plus: Amortization, Depreciation 1,456 21,304 75 2,051 27,073 51,959 Plus: Stock-based compensation 21,265 21,265 Plus: Special Items(1) Legal matters(2) — — — — 76,439 76,439 Acima acquired assets depreciation and amortization(3) 43,714 — — — 15,886 59,600 Brigit acquired assets depreciation and amortization(4) — — 14,267 — 8,525 22,792 Brigit equity consideration vesting(5) — — — — 19,997 19,997 Brigit replacement awards and other compensation(6) — — 1,183 — 13,130 14,313 Asset impairments(7) — 12,757 — — 206 12,963 Brigit transaction costs — — — — 6,685 6,685 Accelerated stock compensation(8) — — — — 1,599 1,599 Other(9) — 797 — — (2,964) (2,167) Adjusted EBITDA $ 340,141 $ 284,379 $ 46,181 $ 7,501 $ (169,410) $ 508,792 (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 expenses of $70.3 million related to estimated legal accruals and $6.1 million in litigation and defense expenses for a regulatory lawsuit 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 and a recently settled patent infringement lawsuit. (3) Includes amortization of approximately $43.7 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (4) Includes amortization expense of approximately $14.3 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $8.5 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) Includes lease impairments of approximately $12.4 million and fixed assets impairments of approximately $0.6 million. (8) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (9) Primarily includes interest income on tax refunds for prior years received in 2025 and shutdown and holding costs related to store closures and severance. 24

Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Year Ended December 31, 2024 (in thousands) Acima Rent-A-Center Mexico Corporate Consolidated Net earnings (loss) $ 255,549 $ 297,160 $ 4,806 $ (434,037) $ 123,478 Plus: Interest expense, net — — — 107,486 107,486 Plus: Income tax expense — — — 54,063 54,063 Plus: Debt refinancing — — — 6,604 6,604 Operating profit (loss) 255,549 297,160 4,806 (265,884) 291,631 Plus: Amortization, Depreciation 1,376 20,508 1,566 27,436 50,886 Plus: Stock-based compensation — — — 26,108 26,108 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 45,460 — — 15,887 61,347 Legal matters(3) — — — 15,764 15,764 Accelerated software depreciation(4) — — — 6,145 6,145 Asset Impairment(5) — 5,944 — — 5,944 Accelerated stock compensation(6) — — — 5,073 5,073 Acima equity consideration vesting(7) — — — 4,893 4,893 Transaction fees(8) — — — 3,656 3,656 Other(9) — 1,384 — 374 1,758 Adjusted EBITDA $ 302,385 $ 324,996 $ 6,372 $ (160,548) $ 473,205 (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 of approximately $45.5 million related to the total fair value of acquired intangible assets and incremental depreciation of approximately $15.9 million. (3) Includes expenses of $10.7 million related to estimated legal accruals and $5.1 million in litigation and defense expenses for a regulatory lawsuit 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 incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system previously used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system that was deployed in the third quarter of 2024. (5) Includes lease impairments of approximately $5.3 million and fixed assets impairments of approximately $0.6 million. (6) Represents accelerated stock compensation expense related to our letter agreement with the Company’s former Chief Executive Officer. (7) Represents stock compensation expense related to common stock issued to Acima Holdings employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (8) Represents transaction fees related to the Brigit acquisition. (9) Primarily includes shutdown and holding expenses related to store closures. 25

Supplemental Segment Performance Details – GAAP 26 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Revenue Rentals and fees $ 458.2 $ 401.9 $ 17.2 $ — $ 877.3 Merchandise sales 122.0 69.7 0.8 — 192.6 Subscriptions and fees — — — — — Other 0.9 8.2 0.2 — 9.3 Total revenue $ 581.1 $ 479.8 $ 18.3 $ — $ 1,079.2 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 238.8 $ 104.0 $ 4.6 $ — $ 347.4 Cost of merchandise sold 162.6 60.3 0.6 — 223.5 Cost of subscriptions and fees — — — — — Total cost of revenues $ 401.4 $ 164.3 $ 5.3 $ — $ 571.0 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Operating expenses Operating labor expense $ 24.2 $ 113.7 $ 4.3 $ — $ 142.2 Non-labor operating expenses 74.1 118.1 5.7 — 197.9 General and administrative expenses 0.5 3.7 1.9 46.1 52.2 Depreciation and amortization 0.4 5.4 0.4 5.8 12.0 Other gains and charges 10.9 0.3 — 13.4 24.7 Total operating expenses $ 110.1 $ 241.3 $ 12.3 $ 65.4 $ 429.1 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Capital expenditures $ 0.1 $ 3.7 $ 0.5 $ 7.8 $ 12.1 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 500.2 $ 401.9 $ — $ 19.8 $ — $ 921.9 Merchandise sales 130.3 71.5 — 1.0 — 202.7 Subscriptions and fees — — 64.6 — — 64.6 Other 0.5 6.6 — 0.2 — 7.2 Total revenue $ 631.0 $ 479.9 $ 64.6 $ 20.9 $ — $ 1,196.4 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 261.5 $ 100.0 $ — $ 5.5 $ — $ 367.0 Cost of merchandise sold 171.3 63.5 — 0.7 — 235.4 Cost of subscriptions and fees — — 7.4 — — 7.4 Total cost of revenues $ 432.8 $ 163.5 $ 7.4 $ 6.1 $ — $ 609.8 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 25.1 $ 121.5 $ 1.1 $ 4.7 $ — $ 152.3 Non-labor operating expenses 85.7 123.5 43.0 6.5 — 258.7 General and administrative expenses 0.5 2.3 2.1 2.1 47.6 54.5 Depreciation and amortization 0.4 5.4 — 0.6 7.4 13.8 Other gains and charges 10.9 0.1 4.3 — 34.8 50.1 Total operating expenses $ 122.6 $ 252.7 $ 50.5 $ 13.8 $ 89.8 $ 529.4 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ — $ 3.1 $ 0.1 $ 1.0 $ 13.4 $ 17.5

Supplemental Segment Performance Details – GAAP 27 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Revenue Rentals and fees $ 1,760.1 $ 1,679.4 $ 74.2 $ — $ 3,513.7 Merchandise sales 499.4 270.9 3.4 — 773.7 Subscriptions and fees — — — — — Other 2.0 30.1 1.1 — 33.2 Total revenue $ 2,261.4 $ 1,980.4 $ 78.7 $ — $ 4,320.6 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 900.5 $ 435.2 $ 19.8 $ — $ 1,355.5 Cost of merchandise sold 658.3 223.9 2.5 — 884.7 Cost of subscriptions and fees — — — — — Total cost of revenues $ 1,558.8 $ 659.1 $ 22.3 $ — $ 2,240.2 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Operating expenses Operating labor expense $ 103.0 $ 487.8 $ 18.4 $ — $ 609.2 Non-labor operating expenses 295.6 493.1 23.0 — 811.6 General and administrative expenses 1.7 15.4 8.7 186.7 212.5 Depreciation and amortization 1.4 20.5 1.6 27.4 50.9 Other gains and charges 45.5 7.3 — 51.8 104.6 Total operating expenses $ 447.1 $ 1,024.1 $ 51.6 $ 265.9 $ 1,788.7 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Capital expenditures $ 1.6 $ 24.2 $ 2.2 $ 28.3 $ 56.3 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 1,952.6 $ 1,599.5 $ — $ 75.0 $ — $ 3,627.0 Merchandise sales 558.4 267.4 $ — 3.5 — 829.3 Subscriptions and fees — — $ 206.0 — — 206.0 Other 1.6 30.3 — 0.9 — 32.8 Total revenue $ 2,512.5 $ 1,897.2 $ 206.0 $ 79.4 $ — $ 4,695.1 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 1,017.0 $ 404.5 $ — $ 20.3 $ — $ 1,441.8 Cost of merchandise sold 732.6 222.5 $ — 2.5 — 957.6 Cost of subscriptions and fees — — $ 24.0 — — 24.0 Total cost of revenues $ 1,749.6 $ 626.9 $ 24.0 $ 22.9 $ — $ 2,423.4 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 98.6 $ 481.4 $ 4.0 $ 18.2 $ — $ 602.3 Non-labor operating expenses 322.0 479.9 $ 124.5 23.5 — 949.9 General and administrative expenses 2.1 24.6 $ 7.3 7.3 190.7 232.0 Depreciation and amortization 1.5 21.3 $ 0.1 2.1 27.1 52.0 Other gains and charges 43.7 13.6 $ 15.5 — 139.5 212.2 Total operating expenses $ 467.9 $ 1,020.7 $ 151.4 $ 51.1 $ 357.3 $ 2,048.4 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ 0.4 $ 18.0 0.5 $ 3.7 $ 44.3 $ 66.9

Supplemental Segment Performance Details – Including Non-GAAP Adjustments 28 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Revenue Rentals and fees $ 458.2 $ 401.9 $ 17.2 $ — $ 877.3 Merchandise sales 122.0 69.7 0.8 — 192.6 Subscriptions and fees — — — — — Other 0.9 8.2 0.2 — 9.3 Total revenue $ 581.1 $ 479.8 $ 18.3 $ — $ 1,079.2 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 238.8 $ 104.0 $ 4.6 $ — $ 347.4 Cost of merchandise sold 162.6 60.3 0.6 — 223.5 Cost of subscriptions and fees — — — — — Total cost of revenues $ 401.4 $ 164.3 $ 5.3 $ — $ 571.0 Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Operating expenses Operating labor expense $ 24.2 $ 113.7 $ 4.3 $ — $ 142.2 Non-labor operating expenses 74.1 118.1 5.7 — 197.9 General and administrative expenses 0.5 3.7 1.9 46.1 52.2 Depreciation and amortization 0.4 5.4 0.4 5.8 12.0 Other gains and charges(1) — — — — — Total operating expenses $ 99.2 $ 241.0 $ 12.3 $ 51.9 $ 404.4 (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 16 and 23 of this presentation. Three Months Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Capital expenditures $ 0.1 $ 3.7 $ 0.5 $ 7.8 $ 12.1 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 500.2 $ 401.9 $ — $ 19.8 $ — $ 921.9 Merchandise sales 130.3 71.5 — 1.0 — 202.7 Subscriptions and fees — — 64.6 — — 64.6 Other 0.5 6.6 — 0.2 — 7.2 Total revenue $ 631.0 $ 479.9 $ 64.6 $ 20.9 $ — $ 1,196.4 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 261.5 $ 100.0 $ — $ 5.5 $ — $ 367.0 Cost of merchandise sold 171.3 63.5 — 0.7 — 235.4 Cost of subscriptions and fees — — 7.4 — — 7.4 Total cost of revenues $ 432.8 $ 163.5 $ 7.4 $ 6.1 $ — $ 609.8 Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 25.1 $ 121.5 $ 1.1 $ 4.7 $ — $ 152.3 Non-labor operating expenses 85.7 123.5 43.0 6.5 — 258.7 General and administrative expenses 0.5 2.3 2.1 2.1 47.6 54.5 Depreciation and amortization 0.4 5.4 — 0.6 7.4 13.8 Other gains and charges(1) — — — — — — Total operating expenses $ 111.7 $ 252.6 $ 46.2 $ 13.8 $ 55.0 $ 479.3 (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 19 of this presentation. Three Months Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ — $ 3.1 $ 0.1 $ 1.0 $ 13.4 $ 17.5

Supplemental Segment Performance Details – Including Non-GAAP Adjustments 29 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Revenue Rentals and fees $ 1,760.1 $ 1,679.4 $ 74.2 $ — $ 3,513.7 Merchandise sales 499.4 270.9 3.4 — 773.7 Subscriptions and fees — — — — — Other 2.0 30.1 1.1 — 33.2 Total revenue $ 2,261.4 $ 1,980.4 $ 78.7 $ — $ 4,320.6 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 900.5 $ 435.2 $ 19.8 $ — $ 1,355.5 Cost of merchandise sold 658.3 223.9 2.5 — 884.7 Cost of subscriptions and fees — — — — — Total cost of revenues $ 1,558.8 $ 659.1 $ 22.3 $ — $ 2,240.2 Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Operating expenses Operating labor expense $ 103.0 $ 487.8 $ 18.4 $ — $ 609.2 Non-labor operating expenses 295.6 493.1 23.0 — 811.6 General and administrative expenses 1.7 15.4 8.7 186.7 212.5 Depreciation and amortization 1.4 20.5 1.6 27.4 50.9 Other gains and charges(1) — — — — — Total operating expenses $ 401.6 $ 1,016.8 $ 51.6 $ 214.1 $ 1,684.1 (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 18 and 25 of this presentation. Year Ended December 31, 2024 (in millions) Acima Rent-A-Center Mexico Corporate Consolidated Capital expenditures $ 1.6 $ 24.2 $ 2.2 $ 28.3 $ 56.3 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $ 1,952.6 $ 1,599.5 $ — $ 75.0 $ — $ 3,627.0 Merchandise sales 558.4 267.4 — 3.5 — 829.3 Subscriptions and fees — — 206.0 — — 206.0 Other $ 1.6 $ 30.3 $ — $ 0.9 $ — $ 32.8 Total revenue $ 2,512.5 $ 1,897.2 $ 206.0 $ 79.4 $ — $ 4,695.1 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $ 1,017.0 $ 404.5 $ — $ 20.3 $ — $ 1,441.8 Cost of merchandise sold 732.6 222.5 — 2.5 — 957.6 Cost of subscriptions and fees — — 24.0 — — 24.0 Total cost of revenues $ 1,749.6 $ 626.9 $ 24.0 $ 22.9 $ — $ 2,423.4 Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $ 98.6 $ 481.4 $ 4.0 $ 18.2 $ — $ 602.3 Non-labor operating expenses 322.0 479.9 124.5 23.5 — 949.9 General and administrative expenses 2.1 24.6 7.3 7.3 190.7 232.0 Depreciation and amortization 1.5 21.3 0.1 2.1 27.1 52.0 Other gains and charges(1) — — — — — — Total operating expenses $ 424.2 $ 1,007.2 $ 135.9 $ 51.1 $ 217.7 $ 1,836.1 (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 17 and 24 of this presentation. Year Ended December 31, 2025 (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Capital expenditures $ 0.4 $ 18.0 $ 0.5 $ 3.7 $ 44.3 $ 66.9

Year Ended December 31, (in millions, except net leverage ratio) 2025 2024 2023 2022 2021 Outstanding Debt $ 1,586.8 $ 1,327.3 $ 1,331.1 $ 1,399.7 $ 1,615.0 Less: Cash and cash equivalents 120.5 60.9 83.8 134.2 108.3 Net debt 1,466.3 1,266.4 1,247.3 1,265.5 1,506.7 Adjusted EBITDA(1) Last twelve months Adjusted EBITDA $ 508.8 $ 473.2 $ 455.7 $ 453.4 $ 631.5 Net leverage ratio 2.9 x 2.7 x 2.7 x 2.8 x 2.3 x (1) Refer to Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) pages 24, 25 and 31 of this communication for additional details of Adjusted EBITDA. Consolidated Net Leverage Ratio 30

Reconciliation of Net (Loss) Earnings to Net Earnings Excluding Special Items, Non-GAAP Diluted Earnings Per Share and Adjusted EBITDA 31 (in thousands) Year Ended December 31, 2023 Year Ended December 31, 2022 Year Ended December 31, 2021 Net (loss) earnings $ (5,179) $ 12,357 $ 134,940 Plus: Debt refinancing charges — — 15,582 Plus: Special Items(1) 216,909 232,430 275,648 Less: Adjusted tax expense 11,468 26,575 53,839 Net Earnings excluding Special Items $ 200,262 $ 218,212 $ 372,331 Diluted weighted average shares 56,369 58,966 66,839 Non-GAAP diluted earnings per share $ 3.55 $ 3.70 $ 5.57 Net (loss) earnings $ (5,179) $ 12,357 $ 134,940 Plus: Interest expense, net 109,998 87,067 70,653 Plus: Income tax expense 58,046 49,114 59,364 Plus: Debt refinancing charges — — 15,582 Operating profit 162,865 148,538 280,539 Plus: Depreciation and amortization 51,321 53,079 54,830 Plus: Stock-based compensation 24,609 19,399 20,494 Plus: Special Items(1) 216,909 232,430 275,648 Adjusted EBITDA $ 455,704 $ 453,446 $ 631,511 (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.

FAQ

How did Upbound Group (UPBD) perform financially in full-year 2025?

Upbound Group grew 2025 revenue to $4.7 billion, an 8.7% year-over-year increase. Adjusted EBITDA rose 7.5% to $508.8 million, while non-GAAP diluted EPS increased to $4.13 from $3.83, showing underlying earnings growth despite higher special charges.

What were Upbound Group’s Q4 2025 results?

In Q4 2025, Upbound generated $1.196 billion in revenue, up 10.9% year-over-year. Adjusted EBITDA was $125.9 million and non-GAAP diluted EPS was $1.01. GAAP diluted EPS was $0.34, reflecting the impact of special items such as legal and acquisition-related costs.

How did Acima, Brigit, and Rent-A-Center segments contribute to UPBD in 2025?

Acima delivered $2.51 billion of revenue and $2.01 billion in GMV, both growing double digits. Newly acquired Brigit produced $206 million of revenue with a 22.4% Adjusted EBITDA margin. Rent-A-Center generated $1.90 billion of revenue with a 15.0% Adjusted EBITDA margin.

What is Upbound Group’s 2026 financial guidance?

For fiscal 2026, Upbound expects consolidated revenue between $4.70 billion and $4.95 billion. The company guides to Adjusted EBITDA excluding stock-based compensation of $500–$535 million and non-GAAP diluted EPS in the range of $4.00–$4.35, indicating continued growth plans.

How strong was Upbound Group’s cash flow and balance sheet at year-end 2025?

In 2025, Upbound generated $305.6 million in net cash provided by operating activities and $180.5 million in free cash flow. At December 31 2025, cash and equivalents were $120.5 million, debt outstanding was $1.6 billion, and the net leverage ratio was 2.9x Adjusted EBITDA.

How did special items affect Upbound Group’s 2025 GAAP earnings?

Upbound recorded $212.2 million of pre-tax special items in 2025, including legal-related expenses, acquisition amortization, integration costs, and impairments. These reduced GAAP diluted EPS to $1.25, compared with non-GAAP diluted EPS of $4.13 after excluding these items.

When did Upbound Group acquire Brigit and what impact did it have in 2025?

Upbound acquired Brigit on January 31, 2025. For 2025, Brigit contributed $206 million of revenue, $46.2 million of Adjusted EBITDA, a 22.4% Adjusted EBITDA margin, and a 14.9% net profit margin, becoming a meaningful part of Upbound’s growth profile.

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