Financial Analysis

Acquisitions and Divestitures Brigit Acquisition On December 12, 2024, we entered into the Merger Agreement, pursuant to which Merger Sub merged with and into Brigit (the Merger), with Brigit surviving the Merger as a wholly owned subsidiary of the Company. The Merger with Brigit, a leading holistic financial health technology company, is intended to accelerate Upbounds strategy to provide technology-driven financial solutions to customers underserved by the traditional financial system. The Merger was completed on January 31, 2025 for total purchase consideration of approximately $395.4 million comprised of stock, cash and other consideration described further below. In accordance with the Merger Agreement, we issued to the security holders of Brigit (the Brigit Securityholders) approximately 2.7 million shares of our common stock, par value $0.01 per share (the Closing Stock Consideration), with a value of $29.75 per share based on the volume-weighted average price of our common stock over the ten consecutive trading days ending on (and including) the trading day immediately prior to the Closing Date, and paid to them closing cash consideration of approximately $278.5 million (Closing Cash Consideration), excluding approximately $63.7 million in debt settlement payments and other transaction expenses. We also entered into deferred cash award agreements with certain Brigit employees to replace their unvested Brigit stock options or unvested phantom awards, as applicable (Rep …

BusinessCombinationDisclosureTextBlock · excerpt; the full note is in the filing

401(k) Plan We sponsor a defined contribution plan under Section 401(k) of the Internal Revenue Code for certain employees who have completed at least three months of service. Employees may elect to contribute up to 50% of their eligible compensation on a pre-tax basis, subject to limitations. We may make discretionary contributions to the 401(k) Plan. Employer matching contributions are subject to a two-year vesting schedule based on the participant's years of service with us. For the years ended December 31, 2025, 2024 and 2023, we made matching cash contributions of $5.4 million, $5.7 million, and $5.3 million, respectively, which represents 50% of the employees contributions to the 401(k) Plan up to an amount not to exceed 6% of each employee's respective compensation. Employees are permitted to elect to purchase our common stock as part of their 401(k) Plan, up to specified limitations and in accordance with applicable law. As of December 31, 2025 and 2024, 2.0% and 3.5%, respectively, of the total plan assets consisted of our common stock. …

CompensationAndEmployeeBenefitPlansTextBlock · excerpt; the full note is in the filing

Senior Debt On February 17, 2021, we entered into a credit agreement with JPMorgan Chase Bank, N.A., as administrative agent, and lenders party thereto, providing for a seven-year $875 million senior secured term loan facility (the Term Loan Facility), as amended on September 21, 2021, June 15, 2023, May 28, 2024 and August 19, 2025, and an Asset Based Loan Credit Facility (the ABL Credit Facility), as amended August 10, 2022, June 7, 2024 and August 29, 2025, providing for a five-year asset-based revolving credit facility with commitments of $550 million and a letter of credit sublimit of $150 million. Commitments under the ABL Credit Facility may be increased, at our option and under certain conditions, by up to an additional $125 million in the aggregate. On August 10, 2022, we entered into a First Amendment to the ABL Credit Facility, effective as of August 10, 2022. The amendment effected the replacement of LIBOR with Term Secured Overnight Financing Rate (Term SOFR) as the benchmark rate of interest thereunder. On June 15, 2023, we entered into a Second Amendment to the Term Loan Facility, effective as of June 15, 2023. The amendment effected the replacement of LIBOR with Term SOFR as the benchmark rate of interest. On May 28, 2024, we entered into a Third Amendment to the Term Loan Facility, effective as of May 28, 2024. The amendment, in addition to certain other changes, effected a repricing of the applicable margin under the Term Loan Facility by reducing the applic …

DebtDisclosureTextBlock · excerpt; the full note is in the filing

The following tables disaggregate our revenue: Year Ended December 31, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Consolidated Rentals and fees $ 1,952,558 $ 1,599,459 $ $ 75,002 $ 3,627,019 Merchandise sales 558,373 267,381 3,514 829,268 Subscription and fees 206,024 206,024 Other 1,553 30,321 876 32,750 Total revenues $ 2,512,484 $ 1,897,161 $ 206,024 $ 79,392 $ 4,695,061 Year Ended December 31, 2024 (in thousands) Acima Rent-A-Center Mexico Consolidated Rentals and fees $ 1,760,086 $ 1,679,385 $ 74,187 $ 3,513,658 Merchandise sales 499,407 270,908 3,429 773,744 Other 1,953 30,099 1,110 33,162 Total revenues $ 2,261,446 $ 1,980,392 $ 78,726 $ 4,320,564 Year Ended December 31, 2023 (in thousands) Acima Rent-A-Center Mexico Consolidated Rentals and fees $ 1,515,189 $ 1,676,238 $ 70,251 $ 3,261,678 Merchandise sales 415,306 281,599 3,545 700,450 Other 830 28,626 829 30,285 Total revenues $ 1,931,325 $ 1,986,463 $ 74,625 $ 3,992,413 …

DisaggregationOfRevenueTableTextBlock · excerpt; the full note is in the filing

Stock-Based Compensation We maintain long-term incentive plans for the benefit of certain employees and directors. Our current and former plans consist of the 2021 Long-Term Incentive Plan (the 2021 Plan), the 2016 Long-Term Incentive Plan (the 2016 Plan), the 2006 Long-Term Incentive Plan (the 2006 Plan), and the 2006 Equity Incentive Plan (the Equity Incentive Plan), which are collectively referred to as the Plans. All Plans prior to the 2021 Plan were previously expired upon approval of the superseding Plan, and any shares available for grant under the respective plans were canceled at the time of expiration. On June 8, 2021, at the 2021 Annual Meeting of Stockholders, the stockholders approved the 2021 Plan. The 2021 Plan authorizes the issuance of a total of 5,000,000 shares of common stock. Any shares of common stock granted in connection with 2021 Plan awards will be counted against this limit as one share. No shares of common stock will be deemed to have been issued if (1) such shares covered by the unexercised portion of an option that terminates, expires, or is cancelled or settled in cash or (2) such shares are forfeited or subject to awards that are forfeited, canceled, terminated or settled in cash. In any calendar year, (1) no employee will be granted options and/or stock appreciation rights for more than 800,000 shares of common stock; (2) no employee will be granted performance-based equity awards under the 2021 Plan (other than options and stock appreciation …

DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock · excerpt; the full note is in the filing

Fair Value We follow a three-tier fair value hierarchy, which classifies the inputs used in measuring fair values, in determining the fair value of our non-financial assets and non-financial liabilities, which consist primarily of goodwill. These tiers include: Level 1, defined as observable inputs such as quoted prices for identical instruments in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs in which little or no market data exists, therefore requiring an entity to develop its own assumptions. Our financial instruments include cash and cash equivalents, receivables, payables, borrowings against our ABL Credit Facility and Term Loan Facility, and outstanding Notes. The carrying amount of cash and cash equivalents, receivables and payables approximates fair value at December 31, 2025 and December 31, 2024, because of the short maturities of these instruments. In addition, the interest rates on our Term Loan Facility and ABL Credit Facility are variable and, therefore, we believe the carrying value of outstanding borrowings approximates their fair value. The fair value of our Notes is based on Level 1 inputs and was as follows at December 31, 2025: December 31, 2025 (in thousands) Carrying Value Fair Value Difference Senior notes $ 450,000 $ 443,070 $ (6,930)

FairValueDisclosuresTextBlock

Goodwill and Other Intangible Assets Goodwill In the fourth quarter of 2025, we completed a qualitative assessment for impairment of goodwill as of October 1, 2025, concluding it was not more likely than not that the carrying value of the net assets of our reporting units exceeded their respective fair values. Therefore, no impairment of goodwill existed as of December 31, 2025. At both December 31, 2025 and 2024, the amount of goodwill attributable to the Acima segment was approximately $288.3 million. At December 31, 2025 and 2024, the amount of goodwill attributable to the Rent-A-Center segment was approximately $3.0 million and $1.9 million, respectively. At December 31, 2025, the amount of goodwill attributable to the Brigit segment was approximately $196.9 million. A summary of the changes in recorded goodwill follows: Year Ended December 31, (in thousands) 2025 2024 Beginning goodwill balance $ 290,189 $ 289,750 Additions from acquisitions 197,969 439 Ending goodwill balance $ 488,158 $ 290,189 Other Intangible Assets Amortizable intangible assets consist of the following: December 31, 2025 December 31, 2024 (Dollar amounts in thousands) Avg. Life (years) Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Customer relationships 2 $ 285,122 $ 153,624 $ 140,417 $ 140,193 Merchant relationships 10 389,760 191,520 389,760 152,630 Trade name 7 47,800 28,844 40,000 22,108 Non-compete agreements 3 46,719 46,719 46,719 46,719 Total ot …

GoodwillAndIntangibleAssetsDisclosureTextBlock · excerpt; the full note is in the filing

"Income Taxes For financial statement purposes, earnings before income taxes by source was comprised of the following: Year Ended December 31, (in thousands) 2025 2024 2023 Domestic $ 93,639 $ 165,020 $ 38,375 Foreign 14,452 12,521 14,492 Earnings before income taxes $ 108,091 $ 177,541 $ 52,867 Cash paid for income taxes, net of refunds received, by source was comprised of the following: Year Ended December 31, (in thousands) 2025 Federal $ 57,986 State and Local 9,229 Foreign 2,562 Cash paid for income taxes, net of refunds received $ 69,777 Reconciliations of the federal statutory rate of 21% to the effective rate follows: Year Ended December 31, 2025 (dollar amounts in thousands) Amount Percent Federal statutory tax rate $ 22,699 21.0 % State and local income taxes, net of federal income tax effect (1) 4,237 3.9 % Foreign tax effects Puerto Rico Statutory tax rate difference between Puerto Rico and United States 1,568 1.5 % Other 353 0.3 % Other 130 0.1 % Effect of cross-border tax laws, net (464) (0.4) % Tax credits Research and development tax credits (3,477) (3.2) % Other (1,019) (0.9) % Changes in valuation allowances 1,382 1.3 % Nontaxable or nondeductible items Non-deductible compensation 7,194 6.7 % Other 1,927 1.8 % Changes in unrecognized tax benefits 483 0.4 % Other adjustments (164) (0.3) % Effective income tax rate $ 34,849 32.2 % (1) State taxes in California, Illinois, Indiana, New York, Texas and Wisconsin made up the majority (greater than 50 percent) of t …

IncomeTaxDisclosureTextBlock · excerpt; the full note is in the filing

Leases We lease space for all of our Rent-A-Center and Mexico stores under operating leases expiring at various times through 2036. In addition, we lease space for certain support facilities under operating leases expiring at various times through 2032. Most of our store leases are five -year leases and contain renewal options for additional periods ranging from three years to five years at rental rates adjusted according to agreed upon formulas. We evaluate all leases to determine if it is likely that we will exercise future renewal options and in most cases we are not reasonably certain of exercise due to competing market rental rates and lack of significant penalty, or business disruption incurred by not exercising the renewal options. In certain situations involving the sale of a Rent-A-Center corporate store to a franchisee, we enter into a lease assignment agreement with the buyer, but we remain the primary obligor under the original lease for the remaining active term. These assignments are therefore classified as subleases and the original lease is included in our operating lease right-of-use assets and operating lease liabilities in our Consolidated Balance Sheets. We lease vehicles for all of our Rent-A-Center stores under operating leases with lease terms expiring twelve months after the start date of the lease. We classify these leases as short-term and have elected the short-term lease exemption for our vehicle leases, and have therefore excluded them from our op …

LesseeOperatingLeasesTextBlock · excerpt; the full note is in the filing

Newly Adopted Accounting Pronouncements In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures , which is intended to improve the transparency of the annual income tax disclosures by requiring specific categories in the income tax rate reconciliation and disaggregation of income taxes paid by jurisdiction. It also includes certain other amendments to improve the effectiveness of income tax disclosures. Adoption of ASU 2023-09 was required for us beginning January 1, 2025 for our fiscal year end December 31, 2025. We have included required disclosure updates in our Annual Report on Form 10-K for the year ended December 31, 2025, using a prospective approach.

NewAccountingPronouncementsPolicyPolicyTextBlock

Revenues The following tables disaggregate our revenue: Year Ended December 31, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Consolidated Rentals and fees $ 1,952,558 $ 1,599,459 $ $ 75,002 $ 3,627,019 Merchandise sales 558,373 267,381 3,514 829,268 Subscription and fees 206,024 206,024 Other 1,553 30,321 876 32,750 Total revenues $ 2,512,484 $ 1,897,161 $ 206,024 $ 79,392 $ 4,695,061 Year Ended December 31, 2024 (in thousands) Acima Rent-A-Center Mexico Consolidated Rentals and fees $ 1,760,086 $ 1,679,385 $ 74,187 $ 3,513,658 Merchandise sales 499,407 270,908 3,429 773,744 Other 1,953 30,099 1,110 33,162 Total revenues $ 2,261,446 $ 1,980,392 $ 78,726 $ 4,320,564 Year Ended December 31, 2023 (in thousands) Acima Rent-A-Center Mexico Consolidated Rentals and fees $ 1,515,189 $ 1,676,238 $ 70,251 $ 3,261,678 Merchandise sales 415,306 281,599 3,545 700,450 Other 830 28,626 829 30,285 Total revenues $ 1,931,325 $ 1,986,463 $ 74,625 $ 3,992,413 Lease Purchase Agreements Rentals and Fees. Rental merchandise is leased to customers pursuant to lease-to-own agreements, which provide for weekly, bi-weekly, semi-monthly or monthly terms with non-refundable lease payments. At the expiration of each lease term, customers may renew the lease-to-own agreement for the next lease term. The customer has the right to acquire title of the merchandise either through an early purchase option or through payment of all optional lease renewal terms. Customers can terminate the lease-to-own …

RevenueFromContractWithCustomerTextBlock · excerpt; the full note is in the filing

Segment Information The operating segments reported below are the segments for which separate financial information is available and for which segment results are evaluated by our Chief Operating Decision Makers (CODMs). Our CODMs include Upbound's Chief Executive Officer and Chief Financial Officer. Our CODMs regularly review the revenues and operating profit for each operating segment in comparison to Company projections and previously reported periods, in addition to other factors, including the Companys strategic initiatives, as well as industry, macroeconomic, and market trends, in determining the appropriate allocation of resources to support our business operations. Our operating segments are organized based on factors including, but not limited to, type of business transaction, geographic location and store ownership. On January 31, 2025, we established a new operating segment following the acquisition of Brigit. Please reference Note B for additional discussion of the acquisition. In addition, effective January 1, 2025, we combined our Franchising segment with our Rent-A-Center segment. Financial information disclosed within this report has been recast for the related prior year period to reflect this change. We report financial operating performance under four operating segments: Acima, Rent-A-Center, Brigit and Mexico. Reportable segments and their respective operations are defined as follows. Our Acima segment, which primarily operates in the United States and Pue …

SegmentReportingDisclosureTextBlock · excerpt; the full note is in the filing

Note 2 - Acquisitions Brigit Acquisition On December 12, 2024, we entered into an Agreement and Plan of Merger (the Merger Agreement) with Fortuna Merger Sub, Inc., a Delaware corporation and wholly owned subsidiary of the Company (Merger Sub), Brigit, and Shareholder Representative Services LLC, solely in its capacity as the representative, agent and attorney-in-fact of Brigits securityholders, pursuant to which Merger Sub merged with and into Brigit (the Merger), with Brigit surviving the Merger as a wholly owned subsidiary of the Company. The Merger with Brigit, a leading holistic financial health technology company, is intended to accelerate Upbounds strategy to provide technology-driven financial solutions to customers underserved by the traditional financial system. The Merger was completed on January 31, 2025 for total purchase consideration of approximately $ 395.4 million comprised of stock, cash and other consideration described further below. In accordance with the Merger Agreement, we issued to the security holders of Brigit (the Brigit Securityholders) approximately 2.7 million shares of our common stock, par value $0.01 per share (the Closing Stock Consideration), with a value of $ 29.75 per share based on the volume-weighted average price of our common stock over the ten consecutive trading days ending on (and including) the trading day immediately prior to the Closing Date, and paid to them closing cash consideration of approximately $ 278.5 million (Closing C …

BusinessCombinationDisclosureTextBlock · excerpt; the full note is in the filing

"Note 11 - Contingencies Given the nature of our businesses and the heavily regulated industries in which we operate, we, along with our subsidiaries, are party to various legal proceedings and governmental inquiries and investigations. Certain legal proceedings and governmental inquiries and investigations involving us or our subsidiaries are described below. In addition to the matters described below, we are also party to other legal proceedings and governmental inquiries and investigations involving us or our subsidiaries that we believe, based on our current knowledge, will not have a material adverse effect on our business or our consolidated results of operations, financial condition or liquidity, including arbitrations, litigation, putative class actions and other matters alleging various types of claims, including those based on consumer regulatory, contract, labor and employment and other alleged claims. However, in light of the uncertainties involved in such matters, including the fact that some pending legal proceedings are at preliminary stages or seek an indeterminate amount of damages, penalties, fines or other relief, it is possible that the outcome of one or more legal proceedings could have a material adverse impact on our results of operations. We regularly monitor developments related to our legal proceedings and governmental inquiries and investigations, determine whether a reserve is appropriate if the loss is both probable and reasonably estimable, and r …

CommitmentsAndContingenciesDisclosureTextBlock · excerpt; the full note is in the filing

Note 5 - Senior Debt On February 17, 2021, we entered into a credit agreement with JPMorgan Chase Bank, N.A., as administrative agent, and lenders party thereto, providing for a seven-year $ 875 million senior secured term loan facility (the Term Loan Facility), as amended on September 21, 2021, June 15, 2023, May 28, 2024 and August 19, 2025, and an Asset Based Loan Credit Facility (the ABL Credit Facility), as amended on August 10, 2022, June 7, 2024 and August 29, 2025, providing for a five-year asset-based revolving credit facility with commitments of $ 550 million and a letter of credit sublimit of $ 150 million. Commitments under the ABL Credit Facility may be increased, at our option and under certain conditions, by up to an additional $ 125 million in the aggregate. On August 19, 2025, we entered into a Fourth Amendment to the Term Loan Facility, effective as of August 19, 2025. The amendment, in addition to certain other changes, (i) extended the maturity date for the loans outstanding under the Term Loan Facility to August 19, 2032 (subject to certain springing maturity provisions) and (ii) provided approximately $ 77 million of incremental commitments under the Term Loan Facility, all of which were drawn on August 19, 2025, resulting in total aggregate borrowings under the Term Loan Facility on such date of $ 875 million. Proceeds from the Term Loan Facility were net of original issue discount of $ 4.4 million upon issuance from the lenders. On August 29, 2025, we …

DebtDisclosureTextBlock · excerpt; the full note is in the filing

The following tables disaggregate our revenue for the periods ended June 30, 2026 and 2025: Three Months Ended June 30, 2026 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 477,662 $ 405,264 $ $ 20,778 $ 903,704 Merchandise sales 125,553 56,207 1,085 182,845 Subscriptions and fees 71,144 71,144 Other 314 4,907 512 5,733 Total revenues $ 603,529 $ 466,378 $ 71,144 $ 22,375 $ 1,163,426 Six Months Ended June 30, 2026 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 967,321 $ 811,410 $ $ 41,398 $ 1,820,129 Merchandise sales 284,255 126,771 2,025 413,051 Subscriptions and fees 138,814 138,814 Other 643 9,802 716 11,161 Total revenues $ 1,252,219 $ 947,983 $ 138,814 $ 44,139 $ 2,383,155 Three Months Ended June 30, 2025 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 486,765 $ 399,416 $ $ 18,402 $ 904,583 Merchandise sales 131,632 59,653 932 192,217 Subscriptions and fees 51,890 51,890 Other 570 8,049 227 8,846 Total revenues $ 618,967 $ 467,118 $ 51,890 $ 19,561 $ 1,157,536 Six Months Ended June 30, 2025 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 963,813 $ 804,390 $ $ 35,592 $ 1,803,795 Merchandise sales 291,584 135,171 1,707 428,462 Subscriptions and fees 83,751 83,751 Other 857 16,582 452 17,891 Total revenues $ 1,256,254 $ 956,143 $ 83,751 $ 37,751 $ 2,333,899 …

DisaggregationOfRevenueTableTextBlock · excerpt; the full note is in the filing

"Note 10 - Common Stock and Stock-Based Compensation Stock Repurchase Program In early December 2021, our Board of Directors authorized a stock repurchase program for up to $ 500 million (the December 2021 Program), which superseded our previous stock repurchase program. Under the December 2021 Program, we may purchase shares of our common stock from time to time in the open market or privately negotiated transactions. We are not obligated to acquire any shares under the program, and the program may be suspended or discontinued at any time. There were no repurchases of our common stock during the six months ended June 30, 2026 and 2025 . Approximately $ 235.0 million remains available for repurchases under the current authorization at June 30, 2026. Stock-Based Compensation We recognized $ 5.3 million and $ 5.0 million in compensation expense related to stock awards issued under the Upbound Group, Inc. 2026 Long-Term Incentive Plan (the ""2026 Plan""), Amended 2021 Long-Term Incentive Plan (the 2021 Plan) and 2016 Long-Term Incentive Plan (the 2016 Plan) during the three months ended June 30, 2026 and 2025 , respectively, and $ 12.2 million and $ 12.6 million during the six months ended June 30, 2026 and 2025, respectively. During the six months ended June 30, 2026 , we granted 601,187 market-based performance units and 745,305 time-vesting units under the 2021 Plan. Performance-based restricted stock units are valued using a Monte Carlo simulation. Time-vesting restricted st …

DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock · excerpt; the full note is in the filing

Note 7 - Fair Value We follow a three-tier fair value hierarchy, which classifies the inputs used in measuring fair values, in determining the fair value of our non-financial assets and non-financial liabilities, which consist primarily of goodwill. These tiers include: Level 1, defined as observable inputs such as quoted prices for identical instruments in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs in which little or no market data exists, therefore requiring an entity to develop its own assumptions. Our financial instruments include cash and cash equivalents, receivables, payables, borrowings against our ABL Credit Facility and Term Loan Facility, and outstanding Notes. The carrying amount of cash and cash equivalents, receivables and payables approximates fair value at June 30, 2026 and December 31, 2025, because of the short maturities of these instruments. In addition, the interest rates on our Term Loan Facility and ABL Credit Facility are variable and, therefore, we believe the carrying value of outstanding borrowings approximates their fair value. The fair value of our Notes is based on Level 1 inputs and was as follows at June 30, 2026: June 30, 2026 (in thousands) Carrying Value Fair Value Difference Senior notes $ 450,000 $ 445,770 $ ( 4,230 )

FairValueDisclosuresTextBlock

Newly Adopted Accounting Pronouncements In July 2025, the FASB issued ASU 2025-05, Financial Instruments - Credit Losses (Topic 326), which amends the existing standard that refers to estimating expected credit losses on current accounts receivable and current contract assets arising from transactions under Topic 606. Under the new standard, public business entities may elect a practical expedient that assumes the current conditions as of the balance sheet date do not change for the remaining life of the asset when estimating expected credit losses. We adopted ASU 2025-05 effective January 1, 2026 on a prospective basis. The adoption did not have a material impact on our financial statements.

NewAccountingPronouncementsPolicyPolicyTextBlock

Note 3 - Revenues The following tables disaggregate our revenue for the periods ended June 30, 2026 and 2025: Three Months Ended June 30, 2026 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 477,662 $ 405,264 $ $ 20,778 $ 903,704 Merchandise sales 125,553 56,207 1,085 182,845 Subscriptions and fees 71,144 71,144 Other 314 4,907 512 5,733 Total revenues $ 603,529 $ 466,378 $ 71,144 $ 22,375 $ 1,163,426 Six Months Ended June 30, 2026 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 967,321 $ 811,410 $ $ 41,398 $ 1,820,129 Merchandise sales 284,255 126,771 2,025 413,051 Subscriptions and fees 138,814 138,814 Other 643 9,802 716 11,161 Total revenues $ 1,252,219 $ 947,983 $ 138,814 $ 44,139 $ 2,383,155 Three Months Ended June 30, 2025 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 486,765 $ 399,416 $ $ 18,402 $ 904,583 Merchandise sales 131,632 59,653 932 192,217 Subscriptions and fees 51,890 51,890 Other 570 8,049 227 8,846 Total revenues $ 618,967 $ 467,118 $ 51,890 $ 19,561 $ 1,157,536 Six Months Ended June 30, 2025 Acima Rent-A-Center Brigit Mexico Consolidated (in thousands) Rentals and fees $ 963,813 $ 804,390 $ $ 35,592 $ 1,803,795 Merchandise sales 291,584 135,171 1,707 428,462 Subscriptions and fees 83,751 83,751 Other 857 16,582 452 17,891 Total revenues $ 1,256,254 $ 956,143 $ 83,751 $ 37,751 $ 2,333,899 Lease Purchase Agreements Rentals and Fees. Rental merchandise is le …

RevenueFromContractWithCustomerTextBlock · excerpt; the full note is in the filing

Note 9 - Segment Information The operating segments reported below are the segments for which separate financial information is available and for which segment results are evaluated by our Chief Operating Decision Makers (CODMs). Our CODMs include Upbounds Chief Executive Officer and Chief Financial Officer . Our CODMs regularly review the revenues and operating profit for each operating segment in comparison to Company projections and previously reported periods, in addition to other factors, including the Companys strategic initiatives, as well as industry, macroeconomic, and market trends, in determining the appropriate allocation of resources to support our business operations. Our operating segments are organized based on factors including, but not limited to, type of business transaction, geographic location and store ownership. We report financial operating performance under four operating segments: Acima, Rent-A-Center, Brigit and Mexico. Segment information is as follows: Three Months Ended June 30, 2026 (in thousands) Acima Rent-A-Center Brigit Mexico Total Revenues $ 603,529 $ 466,378 $ 71,144 $ 22,375 $ 1,163,426 Cost of revenues 405,380 149,433 7,087 6,688 568,588 Gross profit 198,149 316,945 64,057 15,687 594,838 Operating expenses Operating labor 23,913 121,413 1,503 5,469 152,298 Non-labor operating expenses (1) 75,665 128,458 48,836 7,297 260,256 Depreciation and amortization 373 4,592 27 673 5,665 Other segment expenses (2) 24,755 7,824 6,179 2,520 41,278 Se …

SegmentReportingDisclosureTextBlock · excerpt; the full note is in the filing