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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Upbound Group
Upbound Group (UPBD) investor relations material
Upbound Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary30 Apr, 2026
Executive summary
Consolidated revenue for Q1 2026 was $1.22 billion, up 3.7% year-over-year, with net income of $35.8 million, and GAAP diluted EPS of $0.61; non-GAAP diluted EPS was $1.08.
Adjusted EBITDA reached $136.1 million, up 7.9% year-over-year, with operating profit of $77.4 million and net cash from operating activities of $170.7 million.
Digital transformation advanced through data, analytics, and AI, with strengthened leadership including a new CTO.
Disciplined growth, cost optimization, and portfolio quality remained priorities, with strong cash generation supporting debt paydown and liquidity over $460 million.
CEO and CFO highlighted growth in Brigit, improved Acima charge-off rates, and positive Rent-A-Center same store sales.
Financial highlights
Gross profit increased 6.6% to $586.5 million, with gross margin rising to 48.1%; adjusted EBITDA margin improved to 11.2%.
Free cash flow reached $135.9 million, up from $127.2 million year-over-year.
Net leverage ratio reduced to 2.6x, with net debt of $1.4 billion and liquidity of $465 million at quarter-end.
Dividend of $0.39 per share paid, totaling $23.1 million for the quarter.
Operating expenses rose 4.4% to $509.0 million, mainly due to higher non-labor costs in Brigit and Rent-A-Center.
Outlook and guidance
Full-year 2026 guidance reaffirmed: revenue $4.70–$4.95 billion, adjusted EBITDA $500–$535 million, non-GAAP diluted EPS $4.00–$4.35, and free cash flow of ~$200 million.
Q2 2026 guidance: revenue $1.10–$1.20 billion, adjusted EBITDA $120–$130 million, non-GAAP diluted EPS $1.00–$1.10.
Management expects continued focus on expanding Acima’s retailer base, growing Brigit’s product portfolio, and accelerating Rent-A-Center’s e-commerce shift.
Acima 2026 GMV and revenue expected to be flat to low single-digit growth; Brigit annualized revenue growth over 30%.
Cash flow and ABL Credit Facility expected to be sufficient to fund operations over the next twelve months.
Compare Acima and Rent-A-Center LCO rates
How does the company define Brigit Paying Users?
List Special Items impacting Q1 2026 Diluted EPS
Acima exclusive furniture checkout impact
Rent-A-Center Amazon partnership conversion
Brigit line of credit rollout strategy
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Latest events from Upbound Group
- Key votes include director elections, executive pay, auditor ratification, and a new incentive plan.UPBD
Proxy filing21 Apr 2026 - Proxy covers director elections, auditor ratification, executive pay, and a new incentive plan.UPBDProxy filing21 Apr 2026
- Digital transformation and data-driven cross-selling fuel growth for a resilient, unified platform.UPBD28th Annual ICR Conference 202613 Apr 2026
- Brigit leads growth, Acima expands digitally, and strong cash flow funds tech and strategic investments.UPBD47th Annual Raymond James Institutional Investor Conference2 Mar 2026
- 2025 revenue up 8.7% to $4.7B, with digital expansion and strong 2026 outlook.UPBDQ4 202519 Feb 2026
- Digital expansion and Brigit integration drive growth and resilience amid consumer headwinds.UPBDRaymond James & Associates’ 46th Annual Institutional Investors Conference 20253 Feb 2026
- Q2 revenue up 9.9% to $1,077M, with raised guidance and improved profitability.UPBDQ2 20242 Feb 2026
- Acima’s robust growth and digital transformation drive operational gains and future expansion.UPBDTD Financial Services & Fintech Summit1 Feb 2026
- Q3 revenue up 9.2% year-over-year, with strong segment growth and FY 2024 guidance reaffirmed.UPBDQ3 202417 Jan 2026
Next Upbound Group earnings date
Q2 202630 Jul, 2026
Upbound Group
Next Upbound Group earnings date
Q2 202630 Jul, 2026
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