UPBD FY 2025 Earnings Report — Upbound Group, Inc. Revenue & Financial Results | Market Cap Arena

Upbound Group, Inc.UPBD

FY 2025 Earnings

Reported February 23, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$4.7B	—	$4.3B	—	8.7%
Op. Income	$223M	—	$292M	—	-23.4%
Gross Margin	34.5%	—	48.1%	—	-13.7pp
Net Margin	1.6%	—	2.9%	—	-1.3pp
EPS (Diluted)	$1.25	—	$2.21	—	-43.4%
Free Cash Flow	$239M	—	$48M	—	392.7%

Revenue Flow

Item	Amount
REVENUE	$4.7B
Cost of Revenue	$3.1B
GROSS PROFIT	$1.6B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$0
SG&A Expenses	$1.2B
Other Expenses	$212M
Operating Expenses	$1.4B
Cost & Expenses	$4.5B
OPERATING INCOME	$223M
Interest Income	$3M
Interest Expense	$113M
Other Income/Expenses	-$115M
INCOME BEFORE TAX	$108M
Income Tax Expense	$35M
Net Income from Continuing Ops	$73M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$73M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$73M
D&A	$52M
EBIT	$221M
EBITDA	$273M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$4.7B
Cost of Revenue	$3.1B
GROSS PROFIT	$1.6B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$0
SG&A Expenses	$1.2B
Other Expenses	$212M
Operating Expenses	$1.4B
Cost & Expenses	$4.5B
OPERATING INCOME	$223M
Interest Income	$3M
Interest Expense	$113M
Other Income/Expenses	-$115M
INCOME BEFORE TAX	$108M
Income Tax Expense	$35M
Net Income from Continuing Ops	$73M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$73M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$73M
D&A	$52M
EBIT	$221M
EBITDA	$273M
EPS	$1
EPS Diluted	$1

Cash Flow Statement

Item	Amount
Net Income	$73M
Depreciation & Amortization	$1.4B
Stock-Based Compensation	$45M
Deferred Income Tax	$47M
Other Non-Cash Items	$157M
Change in Working Capital	-$1.5B
OPERATING CASH FLOW	$306M
Capital Expenditure	-$67M
Acquisitions (Net)	-$279M
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$125M
NET CASH FROM INVESTING	-$404M
Net Debt Issuance	$251M
Common Stock Repurchased	$0
Common Dividends Paid	-$88M
Other Financing Activities	-$7M
NET CASH FROM FINANCING	$156M
FREE CASH FLOW	$239M
Net Change in Cash	$60M

Balance Sheet

Item	Amount
Cash & Equivalents	$121M
Short-Term Investments	$0
Net Receivables	$203M
Inventory	$1.3B
Other Current Assets	$153M
TOTAL CURRENT ASSETS	$1.8B
PP&E (Net)	$583M
Goodwill	$488M
Intangible Assets	$350M
Long-Term Investments	$0
Tax Assets	$57M
Other Non-Current Assets	$0
TOTAL NON-CURRENT ASSETS	$1.5B
TOTAL ASSETS	$3.3B
Account Payables	$154M
Short-Term Debt	$100M
Deferred Revenue	$63M
Other Current Liabilities	$248M
TOTAL CURRENT LIABILITIES	$715M
Long-Term Debt	$1.6B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$109M
Other Non-Current Liabilities	$0
TOTAL NON-CURRENT LIABILITIES	$1.9B
TOTAL LIABILITIES	$2.6B
Common Stock	$1M
Additional Paid-In Capital	$1.6B
Retained Earnings	$1.0B
Treasury Stock	-$1.9B
Accum. Other Comp. Income	-$7M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$696M
Minority Interest	$0
TOTAL EQUITY	$696M
TOTAL LIABILITIES & EQUITY	$3.3B
Total Debt	$1.9B
Net Debt	$1.7B