Upbound Group, Inc. (UPBD) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.754 Good day and thank you for standing by. Welcome to the Upbound Group Inc. 00:00:02.754 -- 00:00:05.578 Fourth Quarter 2025 Earnings Conference Call. 00:00:05.578 -- 00:00:08.241 At this time, all participants are in a listen-only mode. 00:00:08.241 -- 00:00:11.184 After the speaker's presentation, there will be a question and answer session. 00:00:11.184 -- 00:00:14.568 To ask a question during the session, you'll need to press star 1-1 on your telephone. 00:00:14.568 -- 00:00:17.512 You will then hear an automated message advising your hand is raised. 00:00:17.512 -- 00:00:20.215 To withdraw your question, please press star 1-1 again. 00:00:20.215 -- 00:00:22.658 Please be advised that this conference is being recorded. 00:00:22.658 -- 00:00:25.601 I would now like to hand the conference over to your speaker today, Stephen Koss, Upbound 00:00:25.601 -- 00:00:28.763 Investor Relations. Please go ahead. 00:00:30.153 -- 00:00:34.338 Good morning, and thank you all for joining us to discuss the company's performance for 00:00:34.338 -- 00:00:37.522 the fourth quarter and full year of 2025 00:00:37.522 -- 00:00:39.805 and our outlook for 2026. 00:00:39.805 -- 00:00:44.051 We issued our earnings release this morning before the market opened, and the release 00:00:44.051 -- 00:00:48.576 and all related materials, including a link to the live webcast, are available on our 00:00:48.576 -- 00:00:51.457 website at investor.upbound.com. 00:00:52.842 -- 00:00:58.233 On the call today from Upbound Group, we have Sami Khuddam, our Chief Executive Officer, 00:00:58.233 -- 00:01:01.616 and Hal Kudry, our Chief Financial Officer. 00:01:01.616 -- 00:01:05.700 As a reminder, some of the statements provided on this call are forward-looking and are 00:...