secwatch.observer — SEC 8-K summary
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Issuer:     UPBOUND GROUP, INC. (UPBD)
CIK:        0000933036
Form:       8-K
Filed at:   2025-10-30T23:59:59+00:00
Accession:  0000933036-25-000164
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Upbound Q3 revenue +9% to $1.16B; non-GAAP EPS $1.00; lowers FY EBITDA guidance to $500-510M
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/933036/000093303625000164/0000933036-25-000164-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/933036/000093303625000164/upbd-20251030.htm
  HTML page:      https://secwatch.observer/filing/0000933036-25-000164

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer