Upbound Group (UPBD) is a public company. Our mission at Upbound Group, Inc. is to elevate financial opportunity for all. (NASDAQ: UPBD)

At Upbound Group, Inc., we’re dedicated to driving innovation and upward momentum with financial inclusion at our core. Through our platform of products and brands, we offer innovative solutions for millions of customers, as well as our retail partners. Join us in our relentless pursuit to build a better future and to elevate financial opportunity for all.

Our Brands: Acima Leasing is a technology company that focuses on providing flexible lease-to-own solutions for customers across a wide range of durable goods and retailers. The company has partnered with thousands of retailers to offer its lease-to-own options at the point of sale.

Rent-A-Center specializes in renting furniture, appliances, electronics, and computers to customers with flexible lease-to-own payment options and the option to purchase or return the items at any time. The company has grown rapidly over the years, with 1,930 corporate locations and 400 franchise locations across the United States, Mexico, and Puerto Rico.

For more brands visit www.upbound.com. Upbound Group, Inc. is headquartered in Plano, Texas. It has 375 employees. Annual revenue is $4.7B.

Transcript

Operator

Good day, and thank you for standing by. Welcome to the Q2 2026 Upbound Group Inc. earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star one one on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star one one again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Abraham Albert, Senior Vice President of Finance. Please go ahead.

Abraham Albert — SVP of Finance

Good morning. Thank you all for joining us to discuss the company's performance for the second quarter of 2026. We issued our earnings release this morning before the market opened, and the release and all related materials, including a link to the live webcast, are available on our website at investor.upbound.com. On the call today from Upbound Group, we have Fahmi Karam, our Chief Executive Officer, and Hal Khouri, our