Slide 1: Third Quarter Earnings Review
™ Third Quarter Earnings Review October 30, 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 Platform at a Glance
Upbound Platform 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 th
Slide 5: Q3 Quarter in Review
Q3 Quarter in Review 10.4% á 50 bps á 11.0% á Disciplined and Y/Y Lease Charge-Off Sustainable Growth Model Y/Y Revenue Increase Y/Y GMV3 Increase Rate1 Increase 40.2% á 30 bps á 26.8% á Scaling Innovative Products with AI-Powered Y/Y Net Advance Loss Y/Y Revenue Increase Rate2 Increase Y/Y Paying U
Slide 6: Q3 Consolidated Financial Highlights
Q3 Consolidated Financial Highlights $1.2 billion $13.2 million $0.22 Consolidated Revenue Net Income GAAP Diluted EPS +9.0% y/y -$17.6 million y/y -$0.33 y/y $264.0 million $123.6 million $1.00 YTD Net Cash Provided by Adjusted EBITDA1 Non-GAAP Diluted EPS1 Operating Activities +5.7% y/y +$0.05 y/y
Slide 7: 2025 Strategic Priorities
2025 Strategic Priorities Customer Focus Drives Maintain Momentum Digital Evolution Repeat Business Expand the existing growth Enhance customer experience and Broaden Marketplace merchant roster trajectory by adding new customer optimize omni-channel execution to and streamline the LTO experience fo
Slide 8: Acima Q3 Highlights
Acima Q3 Highlights Rental Revenue by Product Category Acima GMV Trend ($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 Q3 Highlights
Brigit Q3 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 Q3 Highlights
Rent-A-Center Q3 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: Q3 Quarter-End Financial Position & Capital Allocation
Q3 Quarter-End Financial Position & Capital Allocation $364.0 million $20.5 million $22.2 million Liquidity Capital Expenditures Dividends Paid $1.5 billion 2.9x 2.0x Net Debt1,2 Net Leverage Ratio3 Target Net Leverage Ratio3 All figures except capital expenditures and dividends paid, which represen
Slide 12: Full Year 2025 Guidance
Full Year 2025 Guidance Current Guidance Previous Guidance (Provided 10/30/2025) (Provided 7/31/2025) Consolidated Guidance1 FY 2025 FY 2025 Revenues ($B) $4.60 - $4.75 $4.60 - $4.75 Adj. EBITDA Excluding SBC ($M)2 $500 - $510 $515 - $535 Non-GAAP Diluted Earnings Per Share2 $4.05 - $4.15 $4.05 - $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 September 30, 2025 Earnings Diluted Operating Before Income Tax Net Earnings per (in thousands) Gross Profit Profit Tax Expense Earnings Share GAAP Results $ 563,076 $ 52
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 September 30, 2024 Earnings Diluted Operating Before Income Earnings per (in thousands) Gross Profit Profit Tax Tax Expense Net Earnings Share GAAP Results $ 511,086 $ 70
Slide 16: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment)
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended September 30, 2025 (in thousands) Acima Rent-A-Center Brigit Mexico Corporate Consolidated Net earnings (loss) $ 63,687 $ 56,420 $ 4,569 $ 1,314 $ (112,769) $ 13,221 Plus: Interest expense, net
Slide 17: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment)
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 18: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment)
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 19: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment)
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended December 31, 2024 (in thousands) Acima Rent-A-Center Mexico Corporate Consolidated Net earnings (loss) $ 69,653 $ 74,193 $ 667 $ (113,531) $ 30,982 Plus: Interest expense, net — — — 24,776 24,77
Slide 20: Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment)
Reconciliation of Net Earnings (Loss) to Adjusted EBITDA (Consolidated and by Segment) Three Months Ended September 30, 2024 (in thousands) Acima Rent-A-Center Mexico Corporate Consolidated Net earnings (loss) $ 63,994 $ 73,267 $ 884 $ (107,285) $ 30,860 Plus: Interest expense, net — — — 25,904 25,9
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 LTM (in thousands) September 30, 2025 Net cash provided by operating activities $ 202,042 Net originations and collections of customer cash advances (47,688) Purchase of property assets (61,410) Free cash flow $ 92,944 21
Slide 22: Supplemental Segment Performance Details – GAAP
Supplemental Segment Performance Details – GAAP Three Months Ended September 30, 2025 Three Months Ended September 30, 2024 Rent-A- (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated (in millions) Acima Center Mexico Corporate Consolidated Revenue Revenue Rentals and fees $ 488.5
Slide 23: Supplemental Segment Performance Details – Including Non-GAAP Adjustments
Supplemental Segment Performance Details – Including Non-GAAP Adjustments Three Months Ended September 30, 2025 Three Months Ended September 30, 2024 Rent-A- (in millions) Acima Rent-A-Center Brigit Mexico Corporate Consolidated (in millions) Acima Center Mexico Corporate Consolidated Revenue Revenu
Slide 24: Consolidated Net Leverage Ratio
Consolidated Net Leverage Ratio Q3 (in millions, except net leverage ratio) 2025 Outstanding Debt $ 1,564.0 Less: Cash and cash equivalents 107.0 Net debt 1,457.0 Adjusted EBITDA(1) Q4 2024 122.8 Q1 2025 126.1 Q2 2025 133.2 Q3 2025 123.6 Last twelve months Adjusted EBITDA $ 505.7 Net leverage ratio