Slide 1: Second Quarter Earnings Review
™ Second Quarter Earnings Review July 31, 2025
Slide 2: Disclosures
Disclosures 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 posi
Slide 3: Our Mission: Elevating Financial Opportunity for All
Our Mission Elevating Financial Opportunity for All Empowering underserved consumers with seamless, holistic financial tools to improve their financial lives.
Slide 4: Upbound at a Glance
Upbound at a Glance Three Interlocking Engines: Virtual LTO, Subscription FinTech, Cash-Generative RTO Innovative financial solutions for millions of customers, • Virtual lease-to-own platform delivered through three core business segments • Digital model expands access to more consumers through 35k
Slide 5: Q2 Quarter in Review
Q2 Quarter in Review 16.0% á Nearly 40% á -4.0% Y/Y GMV1 Growth Y/Y Revenue Growth Y/Y Same Store Sales3 50 bps, 40 bps á 24.1% á 80 bps á Y/Y Increase in Net Earnings Margin and Y/Y Paying Subscriber Growth Y/Y Increase in Gross Margin Adjusted EBITDA Margin2, respectively (as of quarter-end) Nearl
Slide 6: Q2 Consolidated Financial Highlights
Q2 Consolidated Financial Highlights $1.2 billion $15.5 million $0.26 Consolidated Revenue Net Income GAAP Diluted EPS +7.5% y/y -$18.4 million y/y -$0.35 y/y $145.6 million $1.12 $133.2 million YTD Net Cash Provided by 1 Non-GAAP Diluted EPS1 Adjusted EBITDA Operating Activities +$0.08 y/y +7.0% y/
Slide 7: 2025 Strategic Priorities
2025 Strategic Priorities Customer Focus Drives Maintain Momentum Digital Evolution Repeat Business Expand the existing growth Enhance customer experience and Broaden Marketplace merchant roster trajectory by adding new customer optimize omni-channel execution to and streamline the LTO experience fo
Slide 8: Acima Q2 Highlights
Acima Q2 Highlights Rental Revenue by Product Category Acima GMV Trend ($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.
Slide 9: Brigit Q2 Highlights
Brigit Q2 Highlights Revenue by Source 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 da
Slide 10: Rent-A-Center Q2 Highlights
Rent-A-Center Q2 Highlights Rental Revenue by Product Category 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
Slide 11: Q2 Quarter-End Financial Position & Capital Allocation
Q2 Quarter-End Financial Position & Capital Allocation $276.3 million $18.2 million $22.1 million Liquidity Capital Expenditures Dividends Paid $1.5 billion 3.0x 2.0x Net Debt1,2 Net Leverage Ratio3 Target Net Leverage Ratio3 All figures except capital expenditures and dividends paid, which represen
Slide 12: Full Year and Q3 2025 Guidance
Full Year and Q3 2025 Guidance Strong first half of year positions Company to raise midpoint of FY 2025 guidance for Non-GAAP Diluted Earnings Per Share Current Guidance Previous Guidance (Provided 7/31/2025) (Provided 5/1/2025) 1 Consolidated Guidance FY 2025 FY 2025 Revenues ($B) $4.60 - $4.75 $4.
Slide 13: Appendix
upb ound Appendix
Slide 14: Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted EPS
Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Three Months Ended June 30, 2025 Earnings Diluted Operating Before Income Tax Net Earnings per (in thousands) Gross Profit Profit Tax Expense Earnings Share GAAP Results $ 571,825 $ 50,734
Slide 15: Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted EPS
Reconciliation of Net Earnings to Net Earnings Excluding Special Items and Non-GAAP Diluted Earnings Per Share Three Months Ended June 30, 2024 Earnings Diluted Operating Before Income Earnings per (in thousands) Gross Profit Profit Tax Tax Expense Net Earnings Share GAAP Results $ 531,959 $ 80,655
Slide 16: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA
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 — —
Slide 17: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 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 — —
Slide 18: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 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 — — — —
Slide 19: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) 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 — — —
Slide 20: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA
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
Slide 21: Reconciliation of Net Cash Provided by Operating Activities to Free Cash Flow
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
Slide 22: Supplemental Segment Performance Details – GAAP
Supplemental Segment Performance Details – GAAP Three Months Ended June 30, 2025 Three Months Ended June 30, 2024 Rent-A- Rent-A- (in millions) Acima Center Brigit Mexico Corporate Consolidated (in millions) Acima Center Brigit Mexico Corporate Consolidated Revenue Revenue Rentals and fees $ 486.8 $
Slide 23: Supplemental Segment Performance Details – Including Non-GAAP Adjustments
Supplemental Segment Performance Details – Including Non-GAAP Adjustments Three Months Ended June 30, 2025 Three Months Ended June 30, 2024 Rent-A- Rent-A- (in millions) Acima Center Brigit Mexico Corporate Consolidated (in millions) Acima Center Brigit Mexico Corporate Consolidated Revenue Revenue
Slide 24: Consolidated Net Leverage Ratio
Consolidated Net Leverage Ratio Q2 (in millions, except net leverage ratio) 2025 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