Jeff Chestnut
Head of Investor Relations
Replay available
Upbound Group, Inc. (NASDAQ: UPBD) Q3 2025 earnings conference call, held 2025-10-30. Replay captured from the company's public earnings webcast.

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WEBVTT 00:00:00.031 -- 00:00:05.377 Good day, and thank you for standing by. Welcome to the Q3 2025 Upbound Group, 00:00:05.377 -- 00:00:10.582 Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode. 00:00:10.582 -- 00:00:14.446 After the speaker's presentation, there will be a question and answer session. 00:00:14.446 -- 00:00:19.031 To ask a question during the session, you will need to press star 11 on your telephone. 00:00:19.031 -- 00:00:22.455 You will then hear an automated message advising your hand is raised. 00:00:22.455 -- 00:00:25.138 To withdraw your question, please press star 11 again. 00:00:25.138 -- 00:00:28.752 Please be advised that today's conference is being recorded. 00:00:28.752 -- 00:00:32.297 I would now like to hand the conference over to your first speaker today, Jeff Chestnut, 00:00:32.297 -- 00:00:33.238 head of IR. 00:00:33.238 -- 00:00:35.698 Please go ahead. 00:00:39.466 -- 00:00:43.050 Good morning, and thank you all for joining us to discuss Upbound Group's performance 00:00:43.050 -- 00:00:47.896 for the third quarter of 2025. We issued our earnings release this morning before the 00:00:47.896 -- 00:00:52.062 market opened, and the release and all related materials, including a link to the live 00:00:52.062 -- 00:00:56.385 webcast, are available on our website at investor.upbound.com. 00:00:56.967 -- 00:01:00.350 On the call today, we have Fami Cutham, our CEO. 00:01:00.350 -- 00:01:04.174 As a reminder, some of the statements provided on this call are forward-looking and are 00:01:04.174 -- 00:01:08.698 subject to factors that could cause actual results to differ materially and adversely 00:01:08.698 -- 00:01:13.122 from our expectations. These factors are described in our earnings release as well a...