Upbound Group, Inc. (UPBD) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.958 Good day, and thank you for standing by. Welcome to the Upbound Group Q1 2026 00:00:05.958 -- 00:00:11.244 earnings conference call. At this time, all participants are in a listen-only 00:00:11.244 -- 00:00:16.911 mode. After the speaker's presentation, there'll be a question and answer session. 00:00:16.911 -- 00:00:22.017 To ask a question during the session, you'll need to press star 11 on your telephone. 00:00:22.017 -- 00:00:26.743 You'll then hear an automated message advising that your hand is raised. 00:00:26.743 -- 00:00:30.862 To withdraw your question, please press star 11 again. 00:00:30.862 -- 00:00:33.985 Please be advised that today's conference is being recorded. 00:00:33.985 -- 00:00:39.391 I would now like to hand the conference over to your first speaker today, Stephen 00:00:39.391 -- 00:00:44.654 Koss of Upbound Investor Relations. Please go ahead. 00:00:46.277 -- 00:00:50.301 Good morning, and thank you all for joining to discuss the company's performance for 00:00:50.301 -- 00:00:53.345 the first quarter of 2026. We issued 00:00:53.345 -- 00:00:58.089 our earnings release this morning before the market opened, and the release and all related 00:00:58.089 -- 00:01:03.273 materials, including a link to the live webcast are available on our website 00:01:03.273 -- 00:01:05.413 at investor.upbound.com. 00:01:06.899 -- 00:01:12.469 On the call today from UpBound Group, we have Sami Khatam, our Chief Executive Officer, 00:01:12.469 -- 00:01:16.255 and Hal Khoury, our Chief Financial Officer. 00:01:16.255 -- 00:01:20.963 As a reminder, some of the statements provided on this call are forward-looking 00:01:20.963 -- 00:01:25.551 and are subject to factors that could cause actual results to differ materially and advers...