Upbound Group (UPBD) AI Stock Analysis

Company Guidance

For the fourth quarter of 2026, Upbound expects consolidated revenue of $1.15 billion-$1.25 billion, adjusted EBITDA of $125 million-$135 million, and non-GAAP diluted earnings per share of $1-$1.10, with lease charge-offs at Brigit, Acima, and Rent-A-Center in line with the third quarter and expectations not reflecting the potential impact of share repurchases; Acima expects GMV to be relatively flat to prior year and adjusted EBITDA margin to finish the year up relative to 2025, while Brigit’s outlook is annualized revenue growth of approximately 35% when normalized for a full year 2025 in the $290 million-$300 million range and adjusted EBITDA in the $55 million-$65 million range, Rent-A-Center expects segment revenue to be flat to down low single digits for the year and adjusted EBITDA margin of approximately 14% for the year, and full-year loss-rate guidance is Brigit in the mid 4% range, Acima remaining at or below 9%, and Rent-A-Center in the low 5% range; full-year revenue guidance is $4.68 billion-$4.78 billion, adjusted EBITDA is $510 million-$525 million, non-GAAP diluted EPS is $4.15-$4.30, free cash flow is at least $250 million, operating cash flow is approximately $400 million, and capital expenditures are approximately $65 million.