{"schema_version":"secwatch.filing_event.v1","accession":"0000933036-25-000164","form_type":"8-K","ticker":"UPBD","cik":"0000933036","company_name":"UPBOUND GROUP, INC.","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.661975+00:00","generated_at":"2026-05-17T01:32:48.397649+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Upbound Q3 revenue +9% to $1.16B; non-GAAP EPS $1.00; lowers FY EBITDA guidance to $500-510M","bullets":["Consolidated revenue $1.165B (+9% YoY); GAAP EPS $0.22, Non-GAAP EPS $1.00.","Acima GMV up 11% YoY to $484M; revenue $625M (+10.4%); Brigit revenue $57.7M (+40.2%), paying subs 1.44M (+26.8%).","Rent-A-Center SSS -3.6% (improved 40bps QoQ); revenue $461M (-4.7%); expects SSS near flat/positive in Q4.","FY 2025 Adj. EBITDA guidance lowered to $500-510M (from $515-535M); non-GAAP EPS narrowed to $4.05-4.15.","New CFO Hal Khouri, new CGO Rebecca Wooters; term loan upsized to $875M, extended to 2032, net leverage 2.9x."],"urls":{"canonical":"https://secwatch.observer/filing/0000933036-25-000164","json":"https://secwatch.observer/filing/0000933036-25-000164.json","markdown":"https://secwatch.observer/filing/0000933036-25-000164.md","text":"https://secwatch.observer/filing/0000933036-25-000164.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/933036/000093303625000164/0000933036-25-000164-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/933036/000093303625000164/upbd-20251030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:32:48.397649+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}