# EDGAR Filing Document

**Accession Number:** 0000933036
**File Stem:** 0000933036-25-000144
**Filing Date:** 2025-7
**Character Count:** 93444
**Document Hash:** de68e6c6c2ee3805ad3e55f0544835e7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000933036-25-000144.hdr.sgml**: 20250731

**ACCESSION NUMBER**: 0000933036-25-000144

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 58

**CONFORMED PERIOD OF REPORT**: 20250731

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250731

**DATE AS OF CHANGE**: 20250731

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** UPBOUND GROUP, INC.
- **CENTRAL INDEX KEY:** 0000933036
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-EQUIPMENT RENTAL & LEASING, NEC [7359]
- **ORGANIZATION NAME:** 07 Trade & Services
- **EIN:** 450491516
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38047
- **FILM NUMBER:** 251169503

**BUSINESS ADDRESS:**
- **STREET 1:** 5501 HEADQUARTERS DRIVE
- **CITY:** PLANO
- **STATE:** TX
- **ZIP:** 75024
- **BUSINESS PHONE:** 972-801-1100

**MAIL ADDRESS:**
- **STREET 1:** 5501 HEADQUARTERS DRIVE
- **CITY:** PLANO
- **STATE:** TX
- **ZIP:** 75024

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** RENT A CENTER INC DE
- **DATE OF NAME CHANGE:** 19990112

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** RENTERS CHOICE INC
- **DATE OF NAME CHANGE:** 19941128

?xml version='1.0' encoding='ASCII'? upbd-20250731

    

**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)**

July 31, 2025

___________________________________________________

**UPBOUND GROUP, INC.**

**(Exact name of registrant as specified in charter)**

___________________________________________________

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| | | |
|:---|:---|:---|
| **Delaware** | **001-38047** | **45-0491516** |
| **(State or other jurisdiction of<br>incorporation or organization)** | **(Commission<br>File Number)** | **(IRS Employer<br>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:

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

---

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. | 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. | ☐ |

---

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**Item 2.02 Results of Operations and Financial Condition.**

On July 31, 2025, Upbound Group, Inc. issued a press release announcing its financial results for the quarter ended June 30, 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 July 31, 2025, Upbound Group, Inc. issued an investor presentation announcing its financial results for the quarter ended June 30, 2025. A copy of the investor presentation is attached hereto 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.

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| | |
|:---|:---|
| Exhibit No. | Description |
| 99.1 | <u>[Press release, dated July 31, 2025](ex-991xupbd2025q2pressrele.htm)</u> |
| 99.2 | <u>[Earnings release, dated July 31, 2025](ex-992upbd2025q2earnings.htm)</u> |
| 99.3 | <u>[Investor Presentation, dated July 31, 2025](ex-993upbd2025q2investor.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

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**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.** | **UPBOUND GROUP, INC.** |
| Date: | July 31, 2025 | By: | /s/ Fahmi W. Karam |
|  |  |  | Fahmi W. Karam |
|  |  |  | Chief Executive Officer and Chief Financial Officer |

---

## Exhibit 99.1

![upboundlogoq12024pressrelea.jpg](upboundlogoq12024pressrelea.jpg)

**UPBOUND GROUP, INC. REPORTS SECOND QUARTER 2025 RESULTS**

**Total Revenue of $1,158 million**

**GAAP Diluted EPS $0.26**

**Non-GAAP Diluted EPS**<sup>1</sup> **$1.12**

**Plano, Texas, July 31, 2025** - Upbound Group, Inc. (the "Company" or "Upbound") (NASDAQ:UPBD) today announced results for the quarter ended June 30, 2025. The earnings release, financial tables and related materials can be found on the Company's investor relations website at <u>https://investor.upbound.com</u>.

Today at 9 a.m. ET, Fahmi Karam, Chief Executive Officer, will host a conference call to review the financial results of the quarter. Interested parties can access a live webcast of the conference call via this link (<u>webcast link</u>) or through the Company's investor relations website.

**<u>About Upbound Group, Inc.</u>**

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, including approximately 2,300 company branded retail units across 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 <u>Upbound.com</u>.

**<u>Non-GAAP Financial Measures</u>**

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) and (2) other non-GAAP financial measures explained in the Company's other quarterly earnings disclosures. "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 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 table 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

<sup>1</sup> Non-GAAP financial measure. Refer to definitions and reconciliations included in this release.

------

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.

**<u>Exhibit 1 - Reconciliation of diluted earnings per share to Non-GAAP diluted earnings per share</u>**

---

| | |
|:---|:---|
| Three Months Ended June 30, 2025 | Diluted Earnings Per Share |
| GAAP Results | $0.26 |
| &nbsp;&nbsp;Plus: Special Items<sup>(1)</sup> |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Legal matters | 0.41 |
| &nbsp;&nbsp;&nbsp;&nbsp;Acima acquired assets depreciation and amortization | 0.20 |
| &nbsp;&nbsp;&nbsp;&nbsp;Brigit equity consideration vesting | 0.11 |
| &nbsp;&nbsp;&nbsp;&nbsp;Brigit acquired assets depreciation and amortization | 0.08 |
| &nbsp;&nbsp;&nbsp;&nbsp;Brigit replacement awards and other compensation | 0.06 |
| Non-GAAP Adjusted Results | $1.12 |
| <sup>(1)</sup> Additional details of Special items are included in Table 5 (Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share) of the second quarter 2025 earnings release dated July 31, 2025, which can be found on the Company's investor relations website as noted above.  | <sup>(1)</sup> Additional details of Special items are included in Table 5 (Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share) of the second quarter 2025 earnings release dated July 31, 2025, which can be found on the Company's investor relations website as noted above.  |

---

## Exhibit 99.2

![](ex-992upbd2025q2earnings001.jpg)

16% GMV and 12% Revenue Growth at Acima; Nearly 40% Revenue Growth at Brigit Achieves Q2 2025 Guidance Targets; Raises Midpoint of FY 2025 Non-GAAP Diluted EPS Target Total Revenue CEO Commentary "I am very pleased with our second quarter results, which reflect the heightened relevance of our financial solutions to a large and growing segment of consumers who are underserved by traditional providers. Our Acima segment delivered 16% GMV growth, representing its seventh consecutive quarter of GMV growth, while Brigit grew its subscriber base by over 24%," said CEO Fahmi Karam. "As our customers' and merchants' needs evolve, our business adapts to meet those needs. Our suite of brands is equipped to help customers lead better financial lives through access to bigger ticket durable goods, smaller ticket conveniences and necessities and liquidity offerings, as well as financial wellness products. Through regular and recurring interactions with our customers, we are capturing and leveraging millions of datapoints that will guide our future customer interactions, product roadmap and overall strategy," concluded Mr. Karam. Upbound Group, Inc. Earnings Release July 31, 2025 Second Quarter 2025 Results & Key Metrics Second Quarter Consolidated Results • Consolidated revenues of $1,157.5 million increased 7.5% year- over-year, driven by the acquisition of Brigit in addition to both higher rentals and fees revenue and higher merchandise sales revenue. • GAAP operating profit of $50.7 million, including $65.5 million of pre- tax costs relating to special items described below, compared to $80.7 million of GAAP operating profit, including $24.9 million of pre- tax costs relating to special items, in the prior year period. Second quarter 2025 GAAP operating profit margin was 4.4%, compared to 7.5% in the prior year period. • Net earnings on a GAAP basis of $15.5 million, compared to $33.9 million in the prior year period, an $18.4 million decrease. Net profit margin of 1.3% decreased 190 bps year-over-year. • Adjusted EBITDA1 increased 7.0% year-over-year to $133.2 million, due to an increase in Adjusted EBITDA in the Acima segment and the addition of the Brigit segment, partially offset by a decrease in Adjusted EBITDA in the Rent-A-Center segment. • Adjusted EBITDA margin1 of 11.5% decreased 10 basis points compared to the prior year period, due to a decrease in Adjusted EBITDA margin in the Rent-A-Center segment, partially offset by an increase in Adjusted EBITDA margin in the Acima segment and the addition of the Brigit segment, which had a strong Adjusted EBITDA margin. • GAAP diluted earnings per share was $0.26, compared to GAAP diluted earnings per share of $0.61 in the prior year period. • Non-GAAP diluted earnings per share1, which excludes the impact of special items described below, was $1.12 for the second quarter of 2025, compared to $1.04 in the prior year period. 1 (1)Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this release. $1,158M Total Revenue GAAP Diluted EPS $0.26 Non-GAAP Diluted EPS1 Net Earnings $15M Adjusted EBITDA1 $1.12$133M

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![](ex-992upbd2025q2earnings002.jpg)

LCO Rate Second Quarter Highlights $619.0M +12.0% y/y Revenue YoY Increase$82.0M +17.1% y/y • Applications increased nearly 20% y/y in the second quarter. • GMV from the Acima direct-to-consumer marketplace grew over 130% y/y in the second quarter. • GMV increased 16.0% y/y, due primarily to an increase in existing retailer productivity and new merchants, increased applications, and our expanding direct-to-consumer offerings. • Net earnings margin of 13.2% and Adjusted EBITDA margin of 15.1% increased 50 bps and 40 bps y/y, respectively. Increases were driven by lower operating expenses as a percentage of revenue, in addition to lower lease-charge off rates. Total Revenue Net Earnings 9.3% -30 bps y/y $93.3M +14.7% y/y LCO Rate Adjusted EBITDA1 $467.1M -7.1% y/y Revenue YoY Increase 67.9% +80 bps y/y • Revenues of $467.1M decreased 7.1% y/y, due primarily to a reduction in company-owned store count and lower deliveries. • Company-owned same store sales decreased 4.0% y/y. • Net earnings of $63.0M and Adjusted EBITDA of $68.4M decreased $8.6M and $13.8M y/y, respectively, due primarily to lower revenue and relatively fixed operating costs, offset partially by higher gross margins. • Lease charge-offs (LCO) for company-owned Rent-A-Center stores were 4.7%, roughly flat sequentially, increasing 10 bps. • Rent-A-Center segment financials now include all franchised locations, which had been reported separately prior to Q1 2025. Total Revenue Gross Profit Margin 4.7% +50 bps y/y -4.0% y/y Same Store Sales $51.9M +39.3% y/y $13.45 +12.5% y/y • Highly efficient, scalable tech platform drives more than $1.5M in annualized revenue per full-time employee.2 • Average monthly revenue per user (ARPU) increased 12.5 % year- over-year, driven by higher expedited transfer revenue, deeper engagement with marketplace offers, and a continued shift toward the Premium tier. • Paying subscribers increased 24.1% y/y. • Net earnings of $10.5M with a margin of 20.2%, and Adjusted EBITDA of $14.4M with an Adjusted EBITDA margin of 27.7%. • Cash advance volume increased 21.1% y/y, or $62.0M, to $356.1M. Total Revenue ARPU 2.6% +20 bps y/y $356.1M +21.1% y/y Net Advance Loss Rate Cash Advance Volume $19.6M +6.5% on a constant currency basis • Segment net earnings, on a GAAP basis, and Adjusted EBITDA were approximately $1.9 million and $2.4 million, respectively. • As of June 30, 2025, the Mexico segment owned and operated 135 locations. Total Revenue YoY Increase 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 Q2 revenue for the Brigit segment multiplied by four quarters. \*Upbound acquired Brigit on January 31, 2025.

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![](ex-992upbd2025q2earnings003.jpg)

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![](ex-992upbd2025q2earnings004.jpg)

Table 2 Q2 2025 Q2 2024 Q1 2025Metrics ($'s Millions - except per share and ARPU) Consolidated Revenue $1,157.5 $1,076.5 $1,176.4 Revenue Y/Y % Change 7.5 % 9.9 % 7.3 % GAAP Operating Profit $50.7 $80.7 $62.6 Net Earnings $15.5 $33.9 $24.8 Net Profit Margin 1.3 % 3.2 % 2.1 % Adj. EBITDA (1) $133.2 $124.5 $126.1 Adj. EBITDA Margin (1) 11.5 % 11.6 % 10.7 % GAAP Operating Expenses as % of Total Revenue 45.0 % 41.9 % 41.4 % GAAP Diluted EPS $0.26 $0.61 $0.42 Non-GAAP Diluted EPS (1) $1.12 $1.04 $1.00 On-Rent Rental Merchandise, Net $1,095.6 $1,064.9 $1,056.6 Net Cash Provided by Operating Activities $7.8 $15.0 $137.7 Free Cash Flow (1) $(10.4) $0.6 $127.2 Acima Segment GMV (2) $522.1 $450.1 $454.1 GMV (Y/Y % Change) (2) 16.0 % 21.0 % 8.8 % Revenue $619.0 $552.8 $637.3 Revenue Y/Y % Change 12.0 % 19.0 % 13.5 % GAAP Operating Profit/GAAP Net Earnings $82.0 $70.0 $73.7 Net Profit Margin 13.2 % 12.7 % 11.6 % Adj. EBITDA (1) $93.3 $81.3 $85.0 Adj. EBITDA Margin (1) 15.1 % 14.7 % 13.3 % On-Rent Rental Merchandise, Net $680.8 $608.6 $638.8 Lease Charge-Off Rate (3) 9.3 % 9.6 % 8.9 % 60+ Day Past Due Rate (4) 11.8 % 12.1 % 12.9 % Brigit Segment (Q1 2025 figures represent February and March 2025 only)(5) Cash Advance Volume (6) $356.1 $218.4 Paying Users (7) 1,320,272 1,230,158 ARPU (8) $13.45 $12.88 Revenue $51.9 $31.9 GAAP Operating Profit/GAAP Net Earnings $10.5 $8.8 Net Profit Margin 20.2 % 27.7 % Adj. EBITDA (1) $14.4 $11.4 Adj. EBITDA Margin (1) 27.7 % 35.9 % Net Advance Loss Rate (9) 2.6 % 2.4 % Rent-A-Center Segment Lease Portfolio - Monthly Value (as of period end) (10) $128.5 $139.7 $129.9 Same Store Lease Portfolio Value (Y/Y % Change - as of period end) (11) (4.9) % 1.4 % (3.2) % Same Store Sales (Y/Y % Change) (12) (4.0) % 2.6 % (2.0) % Revenue $467.1 $502.8 $489.0 Revenue Y/Y % Change (7.1) % 1.3 % (4.9) % GAAP Operating Profit/GAAP Net Earnings $63.0 $71.6 $66.4 Net Profit Margin 13.5 % 14.2 % 13.6 % Adj. EBITDA (1) $68.4 $82.2 $72.1 Adj. EBITDA Margin (1) 14.6 % 16.3 % 14.7 % On-Rent Rental Merchandise, Net $390.9 $433.6 $396.6 Lease-Charge Off Rate (3) 4.7 % 4.2 % 4.6 % 30+ Day Past Due Rate (13) 2.7 % 2.7 % 3.3 % Corporate Owned Store Count (U.S. & PR - as of period end) 1,723 1,784 1,725 Financial Highlights \*Please see footnotes on the following page. Key Metrics 4

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![](ex-992upbd2025q2earnings005.jpg)

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 user, where user is defined as in footnote 7 above. (9) Net Advance Loss: Represents charge-offs of customer cash advances that are 45+ days past due as a percentage of total cash advances originated in the period. (10) Lease Portfolio Value: Represents the aggregate dollar value of the expected monthly rental income associated with current active lease agreements from our Company-owned Rent-A-Center lease-to-own stores and e-commerce platform at the end of any given period. (11) Same Store Lease Portfolio Value: Represents the aggregate dollar value of the expected monthly rental income associated with current active lease agreements from our Company-owned Rent-A-Center lease-to-own stores that were operated by us for 13 months or more at the end of any given period. The Company excludes from the same store base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store base in the 30th full month following account transfer. (12) Same Store Sales (SSS): Same store sales generally represents revenue earned in Company-owned Rent-A-Center stores that were operated by us for 13 months or more and are reported on a constant currency basis as a percentage of total revenue earned in stores of the segment during the indicated period. The Company excludes from the same store sales base any store that receives a certain level of customer accounts from closed stores or acquisitions. The receiving store will be eligible for inclusion in the same store sales base in the 30th full month following account transfer. (13) 30+ Day Past Due Rate: Defined as the average number of accounts 30+ days past due as a % of total open leases for our Company-owned Rent-A-Center locations. 5

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![](ex-992upbd2025q2earnings006.jpg)

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, including approximately 2,300 company branded retail units across 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 Upbound Group, Inc. Jeff Chesnut SVP, IR & Corporate Development 972-801-1108 jeff.chesnut@upbound.com 6

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![](ex-992upbd2025q2earnings007.jpg)

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 2025 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) 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; (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) 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; (4) 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; (5) the Company's 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) factors affecting the disposable income available to the Company's current and potential customers; (8) changes in the unemployment rate; (9) capital market conditions, including changes in interest rates and availability of funding sources for the Company; (10) changes in the Company's credit ratings; (11) difficulties encountered in managing the financial and operational performance of the Company's multiple business segments; (12) risks associated with pricing, value proposition and other changes to the Company's consumer offerings and strategies being deployed in the Company's businesses; (13) 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; (14) the Company's ability to identify potential acquisition candidates, complete acquisitions and successfully integrate acquired companies, including Brigit; (15) failure to effectively manage the Company's operating labor and non-labor operating expenses, including merchandise losses for our lease-to-own offerings; (16) disruptions caused by the operation of the Company's information management systems or disruptions in the systems of the Company's host retailers or other third parties with whom the Company does business; (17) 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; (18) 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; (19) 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; (20) additional risks associated with the Company's recently acquired Brigit business and its consumer products and services, including managing losses and payment defaults, regulatory, licensing and other compliance risks, risks associated with Brigit's reliance on regulated banks and on providers of third party data, technology and other third-party service providers; and other new risks for our company; (21) 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; (22) 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 that seek 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 Brigit's non-credit consumer offerings; (23) the Company's transition to more readily scalable "cloud-based" solutions; (24) the Company's ability to develop and successfully implement digital or e-commerce capabilities, including mobile applications; (25) 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; (26) the Company's ability or that of the Company's host retailers or other third parties with whom the company does business to protect the integrity and security of customer, employee, supplier and host retailer or other third party information, which may be adversely affected by hacking, computer viruses, cybersecurity attacks or similar disruptions; (27) impairment of the Company's goodwill or other intangible assets; (28) disruptions in the Company's supply chain; (29) limitations of, or disruptions in, the Company's distribution network; (30) rapid inflation or deflation in the prices of the Company's lease-to-own products and other related costs; (31) allegations of product safety and quality control issues, including recalls of goods the Company leases to customers; (32) 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; (33) the Company's available cash flow and its ability to generate sufficient cash flow to continue paying dividends; (34) 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; (35) 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; (36) consumer preferences and perceptions of the Company's brands; (37) the Company's ability to effectively provide consumers with additional products and services beyond lease-to-own and products and services currently offered by Brigit, including through third party partnerships; (38) the Company's ability to retain the revenue associated with acquired lease-to-own customer accounts and enhance the performance of acquired stores; (39) the Company's ability to enter into new rental or lease purchase agreements and collect on existing rental or lease purchase agreements; (40) ongoing changes in tariff policies, including impacts from tariffs imposed by the current Presidential Administration on the price of imported goods, or consumer prices overall or other financial impacts of such tariffs or retaliatory tariffs enacted by U.S. trading partners on the Company's costs or target consumers; (41) adverse changes in the economic conditions of the industries, countries or markets that the Company serves; (42) information technology and data security costs; (43) 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 Annual Report on Form 10-K for the year ended December 31, 2024, and in its subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release. Except as required by law, the Company is not obligated to publicly release any revisions to these forward-looking statements to reflect the events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. 7

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Upbound Group, Inc. and Subsidiaries CONSOLIDATED STATEMENTS OF OPERATIONS - UNAUDITED Table 3 Three Months Ended June 30, (in thousands, except per share data) 2025 2024 Revenues Rentals and fees $904,583 $885,977 Merchandise sales 192,217 182,546 Subscriptions and fees 51,890 — Other 8,846 7,987 Total revenues 1,157,536 1,076,510 Cost of revenues Cost of rentals and fees 358,058 338,554 Cost of merchandise sold 221,667 205,997 Cost of subscriptions and fees 5,986 — Total cost of revenues 585,711 544,551 Gross profit 571,825 531,959 Operating expenses Operating labor 149,092 156,181 Non-labor operating expenses 230,144 203,945 General and administrative expenses 63,410 53,638 Depreciation and amortization 12,983 12,618 Other gains and charges 65,462 24,922 Total operating expenses 521,091 451,304 Operating profit 50,734 80,655 Debt refinancing charges — 6,604 Interest expense 28,523 28,371 Interest income (638) (753) Earnings before income taxes 22,849 46,433 Income tax expense 7,364 12,484 Net earnings $15,485 $33,949 Basic weighted average shares 56,531 54,650 Basic earnings per common share $0.27 $0.62 Diluted weighted average shares 58,664 55,842 Diluted earnings per common share $0.26 $0.61 REVENUES BY SEGMENT Acima $618,967 $552,794 Rent-A-Center 467,118 502,848 Brigit 51,890 — Mexico 19,561 20,868 Total revenues $1,157,536 $1,076,510 8

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Upbound Group, Inc. and Subsidiaries SELECTED BALANCE SHEETS HIGHLIGHTS - UNAUDITED Table 4 June 30, (in thousands) 2025 2024 Cash and cash equivalents $106,841 $82,515 Receivables, net 189,894 115,150 Prepaid expenses and other assets 81,917 52,037 Rental merchandise, net On rent 1,095,616 1,064,942 Held for rent 105,641 128,915 Operating lease right-of-use assets 275,138 275,321 Goodwill 487,050 289,750 Total assets 3,095,440 2,620,279 Operating lease liabilities $281,406 $283,813 Senior debt, net 1,123,641 874,787 Senior notes, net 442,864 440,900 Total liabilities 2,409,892 2,023,978 Total stockholders' equity 685,548 596,301 9

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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, and (4) Free Cash Flow (net cash provided by operating activities less capital expenditures). "Special items" refers to certain gains and charges we view as extraordinary, unusual or non-recurring in nature or which we believe do not reflect our core business activities. Special items are reported as Other Gains and Charges in our Consolidated Statements of Operations. For the periods presented herein, these special items are described in the quantitative reconciliation tables included below in this release. Because of the inherent uncertainty related to these special items, management does not believe it is able to provide a meaningful forecast of the comparable GAAP measures or reconciliation to any forecasted GAAP measure without unreasonable effort. These non-GAAP measures are additional tools intended to assist our management in comparing our performance on a more consistent basis for purposes of business decision-making by removing the impact of certain items management believes do not directly reflect our core operations. These measures are intended to assist management in evaluating operating performance and liquidity, comparing performance and liquidity across periods, planning and forecasting future business operations, helping determine levels of operating and capital investments and identifying and assessing additional trends potentially impacting our Company that may not be shown solely by comparisons of GAAP measures. Consolidated Adjusted EBITDA is also used as part of our incentive compensation program for our executive officers and others. We believe these non-GAAP financial measures also provide supplemental information that is useful to investors, analysts and other external users of our consolidated financial statements in understanding our financial results and evaluating our performance and liquidity from period to period. However, non-GAAP financial measures have inherent limitations and are not substitutes for, or superior to, GAAP financial measures, and they should be read together with our consolidated financial statements prepared in accordance with GAAP. Further, because non-GAAP financial measures are not standardized, it may not be possible to compare such measures to the non-GAAP financial measures presented by other companies, even if they have the same or similar names. 10

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Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 5 Three Months Ended June 30, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $571,825 $50,734 $22,849 $7,364 $15,485 $0.26 Plus: Special Items(1) Legal matters(2) — 32,516 32,516 8,393 24,123 0.41 Acima acquired assets depreciation and amortization(3) — 14,900 14,900 3,846 11,054 0.20 Brigit equity consideration vesting(4) — 6,405 6,405 — 6,405 0.11 Brigit acquired assets depreciation and amortization(5) — 6,216 6,216 1,604 4,612 0.08 Brigit replacement awards and other compensation(6) — 4,977 4,977 1,285 3,692 0.06 Asset Impairment — 206 206 53 153 — Brigit transaction costs — (109) (109) (28) (81) — Other(7) — 351 351 91 260 — Non-GAAP Adjusted Results $571,825 $116,196 $88,311 $22,608 $65,703 $1.12 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 of this earnings release. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses for our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys' General regulatory investigation and a previously disclosed class action, which class action we agreed in principle to settle in July 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. (7) Primarily includes shutdown and holding expenses related to store closures and severance. 11

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Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 12 Table 6 Three Months Ended March 31, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $550,129 $62,615 $35,511 $10,718 $24,793 $0.42 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 4,166 10,734 0.18 Legal matters(3) — 10,645 10,645 2,977 7,668 0.14 Brigit transaction costs(4) — 6,218 6,218 696 5,522 0.10 Brigit equity consideration vesting(5) — 4,059 4,059 — 4,059 0.07 Brigit acquired assets depreciation and amortization(6) — 4,144 4,144 1,159 2,985 0.05 Accelerated stock compensation(7) — 1,599 1,599 448 1,151 0.02 Brigit replacement awards and other agreement compensation(8) — 1,095 1,095 306 789 0.01 Other(9) — 637 637 178 459 0.01 Discrete income tax items — — — 15 (15) — Non-GAAP Adjusted Results $550,129 $105,912 $78,808 $20,663 $58,145 $1.00 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 of our earnings release. (2) Includes amortization expense of approximately $10.9 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $4.0 million related to the fair value of acquired software assets. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses for our recently dismissed regulatory lawsuits with the Consumer Financial Protection Bureau and 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 Brigit acquisition. (5) Represents stock compensation expense related to common stock issued to Brigit employees under restricted stock agreements as part of the acquisition proceeds subject to vesting restrictions. (6) Includes 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. (7) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (8) Includes amortization expense for Brigit replacement awards and other agreement compensation related to the Brigit acquisition. (9) Primarily includes shutdown and holding expenses related to store closures and severance.

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Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Table 7 Three Months Ended June 30, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $531,959 $80,655 $46,433 $12,484 $33,949 $0.61 Plus: Debt refinancing charges — — 6,604 1,883 4,721 0.08 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 3,195 11,705 0.21 Asset impairments(3) — 5,382 5,382 1,494 3,888 0.07 Accelerated software depreciation(4) — 1,534 1,534 145 1,389 0.03 Accelerated stock compensation(5) — 1,733 1,733 494 1,239 0.02 Legal matters — 700 700 200 500 0.01 Other(6) — 673 673 193 480 0.01 Discrete income tax items — — — (6) 6 — Non-GAAP Adjusted Results $531,959 $105,577 $77,959 $20,082 $57,877 $1.04 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 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 lease impairments of approximately $5.3 million and fixed asset impairments of approximately $0.1 million. (4) Represents incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system deployed in the third quarter of 2024. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (6) Includes shutdown and holding expenses related to store closures of $0.4 million. 13

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 8 Three Months Ended June 30, 2025 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $82,003 $63,001 $10,472 $1,936 $(141,927) $15,485 Plus: Interest expense, net — — — — 27,885 27,885 Plus: Income tax expense — — — — 7,364 7,364 Operating profit (loss) 82,003 63,001 10,472 1,936 (106,678) 50,734 Plus: Depreciation and amortization 353 5,238 18 484 6,890 12,983 Plus: Stock-based compensation — — — — 4,021 4,021 Plus: Special Items(1) Legal matters(2) — — — — 32,516 32,516 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit equity consideration vesting(4) — — — — 6,405 6,405 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(6) — — — — 4,977 4,977 Asset impairment — — — — 206 206 Brigit transaction costs — — — — (109) (109) Other(7) — 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 this earnings release. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses for our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys' General regulatory investigation and a previously disclosed class action, which class action we agreed in principle to settle in July 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. (7) Primarily includes shutdown and holding expenses related to store closures and severance. 14

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 15 Table 9 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(4) — — — — 6,218 6,218 Brigit acquired assets depreciation and amortization(5) — — 2,594 — 1,550 4,144 Brigit equity consideration vesting(6) — — — — 4,059 4,059 Accelerated stock compensation(7) — — — — 1,599 1,599 Brigit replacement awards and other compensation(8) — — — — 1,095 1,095 Other(9) — 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 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. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses for our recently dismissed regulatory lawsuits with the Consumer Financial Protection Bureau and 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 Brigit acquisition. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents 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) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (8) Includes amortization expense for Brigit replacement awards and other compensation related to the Brigit acquisition. (9) Includes shutdown and holding expenses related to store closures and severance.

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Table 12 Three Months Ended June 30, 2024 (in thousands) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Net earnings (loss) $69,991 $71,562 $— $1,559 $(109,163) $33,949 Plus: Interest, net — — — — 27,618 27,618 Plus: Income tax expense — — — — 12,484 12,484 Plus: Debt financing charges — — — — 6,604 6,604 Operating profit (loss) 69,991 71,562 — 1,559 (62,457) 80,655 Plus: Depreciation and amortization 382 4,816 — 388 7,032 12,618 Plus: Stock-based compensation — — — — 6,315 6,315 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Asset impairments(3) — 5,382 — — — 5,382 Accelerated software depreciation(4) — — — — 1,534 1,534 Accelerated stock compensation(5) — — — — 1,733 1,733 Legal matters — — — — 700 700 Other(6) — 436 — — 237 673 Adjusted EBITDA $81,302 $82,196 $— $1,947 $(40,935) $124,510 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 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. (3) Includes fixed asset impairments of approximately $5.3 million and lease impairments of approximately $0.1 million. (4) Represents incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system deployed in the third quarter of 2024. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (6) Includes shutdown and holding expenses related to store closures of $0.4 million. 16

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Reconciliation of Net Cash Provided by Operating Activities to Free Cash Flow Table 13 Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2025 2024 2025 2024 Net cash provided by operating activities $7,814 $15,040 $145,550 $60,461 Purchase of property assets (18,247) (14,427) (28,823) (26,244) Free cash flow $(10,433) $613 $116,727 $34,217 17

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## Exhibit 99.3

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Second Quarter Earnings Review July 31, 2025™

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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 and spending, 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, and (7) 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, 2024, 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) Free Cash Flow (net cash provided by operating activities less capital expenditures), (5) Net debt (outstanding debt less cash and cash equivalents), and (6) Net leverage ratio (outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA). "Special items" refers to certain gains and charges we view as extraordinary, unusual or non-recurring in nature or which we believe do not reflect our core business activities. Special items are reported as Other Gains and Charges in our Consolidated Statements of Operations. For the periods presented herein, these special items are described in the quantitative reconciliation tables included 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.

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

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Three Interlocking Engines: Virtual LTO, Subscription FinTech, Cash-Generative RTO Upbound at a Glance 4 As of 6/30/2025 LTM Consolidated Revenue $4.5 billion LTM Net Income $102 million LTM Adjusted EBITDA1 $499 million LTM Net Cash Provided by Operating Activities $190 million LTM Free Cash Flow1 $131 million Total Active Customers2 2.8 million Innovative financial solutions for millions of customers, delivered through three core business segments • Growing, digital-first platform supporting the underserved consumer • Prudent risk management utilizing propriety data analytics enables responsible growth • Consolidated platform provides strong, stable stream of free cash flow paired with significant opportunity for long-term growth • Virtual lease-to-own platform • Digital model expands access to more consumers through 35k+ retailer locations and expanding DTC marketplace • Seven consecutive quarters of GMV growth • Acquired by Upbound Group in Q1 2025 • Industry-leading financial wellness tools that utilize ML-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 business model proven through 50+ year operating history • Approximately 2,300 stores in the U.S. and Mexico • Strong free cash flow generation, enabling Upbound to fund growth opportunities across segments Three core brands addressing the needs of underserved consumers across their financial journey 1 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 2 Represents Brigit paying users plus customers on rent at Acima and Rent-A-Center as of period-end.

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Nearly 40% á Y/Y Revenue Growth 24.1% á Y/Y Paying Subscriber Growth (as of quarter-end) -4.0% Y/Y Same Store Sales3 +10 bps Sequential Increase in Lease Charge-Off Rate4 21.1% á Y/Y Cash Advance Volume Growth 80 bps á Y/Y Increase in Gross Margin 16.0% á Y/Y GMV1 Growth 50 bps, 40 bps á Y/Y Increase in Net Earnings Margin and Adjusted EBITDA Margin2, respectively Nearly 20% á Y/Y Increase in Applications Q2 Quarter in Review 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 Non-GAAP financial measure. See descriptions elsewhere in this presentation. 3 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. 4 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. 5

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$0.26 GAAP Diluted EPS -$0.35 y/y $15.5 million Net Income -$18.4 million y/y $1.12 Non-GAAP Diluted EPS1 +$0.08 y/y +7.7% y/y $133.2 million Adjusted EBITDA1 +7.0% y/y Q2 Consolidated Financial Highlights $1.2 billion Consolidated Revenue +7.5% y/y $145.6 million YTD Net Cash Provided by Operating Activities +$85.1 million y/y 1 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 6

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Capital and Cost Efficiency Leverage tech-enabled processes to grow online fulfillment and optimize the cost-to-serve Underwriting and Risk Management Prudently and tactically manage risk profile both online and in-store with new data and models Digital Evolution Enhance customer experience and optimize omni-channel execution to improve web conversion Collaboration Accelerate Brigit's growth by cross- marketing products to RAC and Acima customer universe Maintain Momentum Expand the existing growth trajectory by adding new customer segments and improving retention New Products Launch new products and features that meet the additional needs of our users, drive growth, and expand the TAM 2025 Strategic Priorities 7 Customer Focus Drives Repeat Business Broaden Marketplace merchant roster and streamline the LTO experience for returning customers Merchant Growth Through Digital Advancements Expand and deepen retailer relationships across traditional and emerging categories and channels Improving Margins Focus on operational efficiencies and underwriting discipline to realize scale benefits of virtual platform

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Acima Q2 Highlights 8 Acima GMV Trend ($M) Acima LCO and Past Due Rates1 Trends 1 Defined as the average accounts 60+ days past due as a percentage of total open leases. 60+ past due rates normalized to exclude large retailers that are no longer on Acima's platform. Rental Revenue by Product Category

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Brigit Q2 Highlights 9 Brigit Paying Users1 (#000s) and ARPU2 on a Proforma Basis3 Brigit Cash Advance Volume4 ($M) and Net Advance Loss Rate5 on a Proforma Basis3 1 Brigit Paying Users: Represents Brigit customers who have an active Plus or Premium account, not delinquent (not 45 days past due) on a cash advance, and made at least 1 of the last 2 subscription payments. 2 ARPU: Average monthly revenue per user, where user is defined as in footnote 1 above. 3 Proforma figures include periods prior to Upbound's acquisition of Brigit on January 31, 2025. 4 Cash Advance Volume: Defined as total advance originations during the period. 5 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. Revenue by Source

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Rent-A-Center Q2 Highlights 10 Rent-A-Center Portfolio1,2 Per Store ($000's) and Same Store Sales Trends Rent-A-Center LCO and Past Due Rates2,3 Trends 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 Portfolio Value and Past Due charts exclude Get-it-Now and Home Choice branded stores, and Franchise-owned Rent-A-Center locations. 3 Past due rate is defined as the average accounts 30+ days past due as a percentage of total open leases for our Company-owned Rent-A-Center locations. Rental Revenue by Product Category

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Q2 Quarter-End Financial Position & Capital Allocation $276.3 million Liquidity $18.2 million Capital Expenditures $22.1 million Dividends Paid $1.5 billion Net Debt1,2 3.0x Net Leverage Ratio3 2.0x Target Net Leverage Ratio3 11 All figures except capital expenditures and dividends paid, which represent expenditures for the full quarter, are as of quarter-end. 1 Net debt is defined as outstanding debt less cash and cash equivalents. 2 Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation. 3 Net leverage ratio is defined as outstanding debt less cash and cash equivalents divided by trailing twelve months Adjusted EBITDA, which is a Non-GAAP financial measure. Refer to definitions and reconciliations elsewhere in this presentation.

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&nbsp;&nbsp;&nbsp;&nbsp;Full Year and Q3 2025 Guidance 12 Strong first half of year positions Company to raise midpoint of FY 2025 guidance for Non-GAAP Diluted Earnings Per Share 1. Consolidated includes Acima, Rent-A-Center, Brigit (for the 11 months following the acquisition on January 31, 2025), Mexico, and Corporate Segments. 2. Non-GAAP financial measure. See descriptions elsewhere in this presentation. Current Guidance Previous Guidance (Provided 7/31/2025) (Provided 5/1/2025) Consolidated Guidance1 FY 2025 FY 2025 Revenues ($B) $4.60 - $4.75 $4.60 - $4.75 Adj. EBITDA Excluding SBC ($M)2 $515 - $535 $510 - $540 Non-GAAP Diluted Earnings Per Share2 $4.05 - $4.40 $4.00 - $4.40 Free Cash Flow ($M)2 $150 - $200 $150 - $200 Q3 2025 Revenues ($B) $1.05 - $1.15 Adj. EBITDA Excluding SBC ($M)2 $120 - $130 Non-GAAP Diluted Earnings Per Share2 $0.95 - $1.05

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Appendix

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Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share 14 Three Months Ended June 30, 2025 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $571,825 $50,734 $22,849 $7,364 $15,485 $0.26 Plus: Special Items(1) Legal matters(2) — 32,516 32,516 8,393 24,123 0.41 Acima acquired assets depreciation and amortization(3) — 14,900 14,900 3,846 11,054 0.20 Brigit equity consideration vesting(4) — 6,405 6,405 — 6,405 0.11 Brigit acquired assets depreciation and amortization(5) — 6,216 6,216 1,604 4,612 0.08 Brigit replacement awards and other compensation(6) — 4,977 4,977 1,285 3,692 0.06 Asset Impairment — 206 206 53 153 — Brigit transaction costs — (109) (109) (28) (81) — Other(7) — 351 351 91 260 — Non-GAAP Adjusted Results $571,825 $116,196 $88,311 $22,608 $65,703 $1.12 (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. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses for our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys' General regulatory investigation and a previously disclosed class action, which class action we agreed in principle to settle in July 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. (7) Primarily includes shutdown and holding expenses related to store closures and severance.

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Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Three Months Ended June 30, 2024 (in thousands) Gross Profit Operating Profit Earnings Before Income Tax Tax Expense Net Earnings Diluted Earnings per Share GAAP Results $531,959 $80,655 $46,433 $12,484 $33,949 $0.61 Plus: Debt refinancing charges — — 6,604 1,883 4,721 0.08 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) — 14,900 14,900 3,195 11,705 0.21 Asset impairments(3) — 5,382 5,382 1,494 3,888 0.07 Accelerated software depreciation(4) — 1,534 1,534 145 1,389 0.03 Accelerated stock compensation (5) — 1,733 1,733 494 1,239 0.02 Legal matters — 700 700 200 500 0.01 Other(6) — 673 673 193 480 0.01 Discrete income tax items — — — (6) 6 — Non-GAAP Adjusted Results $531,959 $105,577 $77,959 $20,082 $57,877 $1.04 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 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 lease impairments of approximately $5.3 million and fixed asset impairments of approximately $0.1 million. (4) Represents incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system deployed in the third quarter of 2024. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (6) Includes shutdown and holding expenses related to store closures of $0.4 million. 15

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended June 30, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $82,003 $63,001 $10,472 $1,936 $(141,927) $15,485 Plus: Interest expense, net — — — — 27,885 27,885 Plus: Income tax expense — — — — 7,364 7,364 Operating profit (loss) 82,003 63,001 10,472 1,936 (106,678) 50,734 Plus: Depreciation and amortization 353 5,238 18 484 6,890 12,983 Plus: Stock-based compensation — — — — 4,021 4,021 Plus: Special Items(1) Legal matters(2) — — — — 32,516 32,516 Acima acquired assets depreciation and amortization(3) 10,929 — — — 3,971 14,900 Brigit equity consideration vesting(4) — — — — 6,405 6,405 Brigit acquired assets depreciation and amortization(5) — — 3,891 — 2,325 6,216 Brigit replacement awards and other compensation(6) — — — — 4,977 4,977 Asset impairment — — — — 206 206 Brigit transaction costs — — — — (109) (109) Other(7) — 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. (2) Includes expenses of $31.7 million related to estimated legal accruals and $0.8 million in litigation and defense expenses for our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys' General regulatory investigation and a previously disclosed class action, which class action we agreed in principle to settle in July 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. (7) Primarily includes shutdown and holding expenses related to store closures and severance. 16

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 17 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(4) — — — — 6,218 6,218 Brigit acquired assets depreciation and amortization(5) — — 2,594 — 1,550 4,144 Brigit equity consideration vesting(6) — — — — 4,059 4,059 Accelerated stock compensation(7) — — — — 1,599 1,599 Brigit replacement awards and other compensation(8) — — — — 1,095 1,095 Other(9) — 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. (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. (3) Includes expenses of $10.0 million related to estimated legal accruals and $0.6 million in litigation and defense expenses for our recently dismissed regulatory lawsuits with the Consumer Financial Protection Bureau and 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 Brigit acquisition. (5) Includes amortization expense of approximately $2.6 million related to the total fair value of acquired intangible assets and incremental depreciation expense of approximately $1.6 million related to the fair value of acquired software assets. (6) Represents 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) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (8) Includes amortization expense for Brigit replacement awards and other compensation related to Brigit acquistion. (9) Includes shutdown and holding expenses related to store closures and severance.

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 18 Three Months Ended December 31, 2024 (in thousands) Acima Rent-A-Center Brigit 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 3 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. (3) Includes expenses of $2.5 million related to estimated legal accruals and $1.6 million in litigation and defense expenses for recently dismissed regulatory lawsuits with the Consumer Financial Protection Bureau and 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 Brigit acquisition. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (6) Includes shutdown and holding expenses related to store closures of $0.4 million.

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 19 Three Months Ended September 30, 2024 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $63,994 $73,267 $— $884 $(107,285) $30,860 Plus: Interest expense, net — — — — 25,904 25,904 Plus: Income tax expense — — — — 13,295 13,295 Operating profit (loss) 63,994 73,267 — 884 (68,086) 70,059 Plus: Depreciation and amortization 352 5,243 — 405 6,770 12,770 Plus: Stock-based compensation — — — — 5,887 5,887 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,972 14,901 Legal matters(3) — — — — 11,038 11,038 Accelerated stock compensation(4) — — — — 1,688 1,688 Asset impairments — (67) — — — (67) Other(5) — 588 — — — 588 Adjusted EBITDA $75,275 $79,031 $— $1,289 $(38,731) $116,864 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 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. (3) Includes expenses of $7.5 million related to estimated legal accruals and $3.5 million in litigation and defense expenses for recently dismissed regulatory lawsuits with the Consumer Financial Protection Bureau and current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys' General regulatory investigation. (4) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (5) Includes shutdown and holding expenses related to store closures of $0.6 million.

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Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended June 30, 2024 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $69,991 $71,562 $— $1,559 $(109,163) $33,949 Plus: Interest, net — — — — 27,618 27,618 Plus: Income tax expense — — — — 12,484 12,484 Plus: Debt financing charges — — — — 6,604 6,604 Operating profit (loss) 69,991 71,562 — 1,559 (62,457) 80,655 Plus: Depreciation and amortization 382 4,816 — 388 7,032 12,618 Plus: Stock-based compensation — — — — 6,315 6,315 Plus: Special Items(1) Acima acquired assets depreciation and amortization(2) 10,929 — — — 3,971 14,900 Asset impairments(3) — 5,382 — — — 5,382 Accelerated software depreciation(4) — — — — 1,534 1,534 Accelerated stock compensation(5) — — — — 1,733 1,733 Legal matters — — — — 700 700 Other(6) — 436 — — 237 673 Adjusted EBITDA $81,302 $82,196 $— $1,947 $(40,935) $124,510 (1) Special items are reported as Other Gains and Charges in the Company's Consolidated Statements of Operations included in Table 3 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. (3) Includes fixed asset impairments of approximately $5.3 million and lease impairments of approximately $0.1 million. (4) Represents incremental depreciation expense related to the acceleration of the remaining useful life of the point-of-sale system used by our Rent-A-Center lease-to-own stores, due to the transition to a new internally developed point-of-sale system deployed in the third quarter of 2024. (5) Represents accelerated stock compensation expense related to our letter agreement with the Company's former Chief Executive Officer. (6) Includes shutdown and holding expenses related to store closures of $0.4 million. 20

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Reconciliation of Net Cash Provided by Operating Activities to Free Cash Flow Three Months Ended June 30, Six Months Ended June 30, LTM (in thousands) 2025 2024 2025 2024 June 30, 2025 Net cash provided by operating activities $7,814 $15,040 $145,550 $60,461 $189,810 Purchase of property assets (18,247) (14,427) (28,823) (26,244) (58,854) Free cash flow $(10,433) $613 $116,727 $34,217 $130,956 21

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Supplemental Segment Performance Details – GAAP 22 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $435.8 $430.6 $— $19.6 $— $886.0 Merchandise sales 116.5 65.1 — 1.0 — 182.5 Subscriptions and fees — — — — — — Other 0.5 7.2 — 0.3 — 8.0 Total revenue $552.8 $502.8 $— $20.9 $— $1,076.5 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $220.5 $112.9 $— $5.2 $— $338.6 Cost of merchandise sold 152.7 52.6 — 0.7 — 206.0 Cost of subscriptions and fees — — — — — — Total cost of revenues $373.2 $165.5 $— $5.9 $— $544.6 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $26.6 $124.8 $— $4.8 $— $156.2 Non-labor operating expenses 71.3 126.8 — 5.9 — 203.9 General and administrative expenses 0.4 3.6 — 2.4 47.3 53.6 Depreciation and amortization 0.4 4.8 — 0.4 7.0 12.6 Other gains and charges 10.9 5.8 — — 8.2 24.9 Total operating expenses $109.6 $265.8 $— $13.5 $62.5 $451.3 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Capital expenditures $1.0 $6.3 $— $0.7 $6.5 $14.4 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $486.8 $399.4 $— $18.4 $— $904.6 Merchandise sales 131.6 59.7 — 0.9 — 192.2 Subscriptions and fees — — 51.9 — — 51.9 Other 0.6 8.0 — 0.2 — 8.8 Total revenue $619.0 $467.1 $51.9 $19.6 $— $1,157.5 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $251.1 $102.1 $— $4.9 $— $358.1 Cost of merchandise sold 172.9 48.1 — 0.7 — 221.7 Cost of subscriptions and fees — — 6.0 — — 6.0 Total cost of revenues $424.0 $150.2 $6.0 $5.6 $— $585.7 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $24.4 $119.1 $1.1 $4.5 $— $149.1 Non-labor operating expenses 76.7 119.5 28.3 5.6 — 230.1 General and administrative expenses 0.6 9.9 2.2 1.5 49.3 63.4 Depreciation and amortization 0.4 5.2 — 0.5 6.9 13.0 Other gains and charges 10.9 0.2 3.9 — 50.5 65.5 Total operating expenses $113.0 $254.0 $35.4 $12.0 $106.7 $521.1 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Capital expenditures $0.1 $5.6 $0.3 $1.1 $11.1 $18.2

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Supplemental Segment Performance Details – Including Non-GAAP Adjustments 23 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $435.8 $430.6 $— $19.6 $— $886.0 Merchandise sales 116.5 65.1 — 1.0 — 182.5 Subscriptions and fees — — — — — — Other 0.5 7.2 — 0.3 — 8.0 Total revenue $552.8 $502.8 $— $20.9 $— $1,076.5 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $220.5 $112.9 $— $5.2 $— $338.6 Cost of merchandise sold 152.7 52.6 — 0.7 — 206.0 Cost of subscriptions and fees — — — — — — Total cost of revenues $373.2 $165.5 $— $5.9 $— $544.6 Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $26.6 $124.8 $— $4.8 $— $156.2 Non-labor operating expenses 71.3 126.8 — 5.9 — 203.9 General and administrative expenses 0.4 3.6 — 2.4 47.3 53.6 Depreciation and amortization 0.4 4.8 — 0.4 7.0 12.6 Other gains and charges(1) — — — — — — Total operating expenses $98.7 $260.0 $— $13.5 $54.3 $426.4 (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 15 and 20 of this presentation. Three Months Ended June 30, 2024 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Capital expenditures $1.0 $6.3 $— $0.7 $6.5 $14.4 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Revenue Rentals and fees $486.8 $399.4 $— $18.4 $— $904.6 Merchandise sales 131.6 59.7 — 0.9 — 192.2 Subscriptions and fees — — 51.9 — — 51.9 Other 0.6 8.0 — 0.2 — 8.8 Total revenue $619.0 $467.1 $51.9 $19.6 $— $1,157.5 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Cost of revenues Cost of rentals and fees $251.1 $102.1 $— $4.9 $— $358.1 Cost of merchandise sold 172.9 48.1 — 0.7 — 221.7 Cost of subscriptions and fees — — 6.0 — — 6.0 Total cost of revenues $424.0 $150.2 $6.0 $5.6 $— $585.7 Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Operating expenses Operating labor expense $24.4 $119.1 $1.1 $4.5 $— $149.1 Non-labor operating expenses 76.7 119.5 28.3 5.6 — 230.1 General and administrative expenses 0.6 9.9 2.2 1.5 49.3 63.4 Depreciation and amortization 0.4 5.2 — 0.5 6.9 13.0 Other gains and charges(1) — — — — — — Total operating expenses $102.1 $253.8 $31.5 $12.0 $56.2 $455.6 (1)For purposes of disclosing non-GAAP operating expenses we exclude Other gains and charges. Additional details of Other gains and charges are included as special item adjustments in the reconciliation tables on pages 14 and 16 of this presentation. Three Months Ended June 30, 2025 (in millions) Acima Rent-A- Center Brigit Mexico Corporate Consolidated Capital expenditures $0.1 $5.6 $0.3 $1.1 $11.1 $18.2

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Q2 2025 (in millions, except net leverage ratio) Outstanding Debt $1,582.0 Less: Cash and cash equivalents 106.8 Net debt 1,475.2 Adjusted EBITDA(1) Q3 2024 116.9 Q4 2024 122.8 Q1 2025 126.1 Q2 2025 133.2 Last twelve months Adjusted EBITDA $499.0 Net leverage ratio 3.0 x (1) Refer to Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) pages 16 through 19 of this communication for additional details of Adjusted EBITDA. Consolidated Net Leverage Ratio 24

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