Upbound Group, Inc.
- Open
- 20.01
- Day high
- 20.01
- Day low
- 18.89
- Prev close
- 20.12
- Volume
- 3.0M
- Mkt cap
- $1.1B
- P/E (TTM)
- 12.1
- EPS (TTM)
- $1.58
- P/B
- 1.5
- P/S
- 0.2
- Yield
- 4.08%
- Per share
- $0.78
- ▲Insiders net buying $46K over the last 3 months (2 open-market buys, 0 sales)
- 🏛Institutions accumulating (13F)
Upbound Group, Inc. (UPBD) is a Technology company listed on NASDAQ. The stock is down 6% over the past year. Over the trailing 3 months, insiders filed 2 open-market buys and 0 sales (SEC Form 4).
Upbound Group, Inc. (UPBD) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
UPBD earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 30, 2026 | $1.05 | $1.07 | +1.9% | $1.2B | -0.1% |
| Apr 30, 2026 | $1.06 | $1.08 | +1.9% | $1.2B | -0.5% |
| Feb 19, 2026 | $0.97 | $1.01 | +4.1% | $1.2B | -2.4% |
| Oct 30, 2025 | $0.98 | $1.00 | +2.0% | $1.2B | -0.9% |
| Jul 31, 2025 | $1.05 | $1.12 | +6.7% | $1.2B | +1.0% |
| May 1, 2025 | $0.94 | $1.00 | +6.4% | $1.2B | +2.4% |
| Feb 20, 2025 | $1.03 | $1.05 | +1.9% | $1.1B | -4.1% |
| Oct 31, 2024 | $0.89 | $0.95 | +6.7% | $1.1B | +1.0% |
| Aug 1, 2024 | $1.02 | $1.04 | +2.0% | $1.1B | +4.1% |
| May 2, 2024 | $0.77 | $0.79 | +2.6% | $1.1B | +4.4% |
| Feb 22, 2024 | $0.77 | $0.81 | +5.2% | $1.0B | +2.4% |
| Nov 2, 2023 | $0.75 | $0.79 | +5.3% | $979M | +1.1% |
UPBD insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 9, 2026 | LANGENSTEIN MOLLYdirector | Grant | 758 | — |
| Jul 9, 2026 | BROWN JEFFREY Jdirector | Buy | 454 | $20.09 |
| Jul 9, 2026 | BROWN JEFFREY Jdirector | Buy | 1,841 | $20.09 |
| Jul 9, 2026 | BROWN JEFFREY Jdirector | Grant | 2,524 | — |
| Jul 9, 2026 | MARINO GLENN Pdirector | Grant | 1,278 | — |
| Jul 9, 2026 | Jain Charudirector | Grant | 600 | — |
| Jul 9, 2026 | McFate Carol A.director | Grant | 197 | — |
| Jul 2, 2026 | LANGENSTEIN MOLLYdirector | Grant | 1,700 | — |
| Jul 2, 2026 | MARINO GLENN Pdirector | Grant | 1,531 | — |
| Jul 2, 2026 | BROWN JEFFREY Jdirector | Grant | 4,602 | — |
| Jul 2, 2026 | Jain Charudirector | Grant | 1,546 | — |
| Apr 30, 2026 | LANGENSTEIN MOLLYdirector | Grant | 792 | — |
| Apr 30, 2026 | BROWN JEFFREY Jdirector | Buy | 1,868 | $19.41 |
| Apr 30, 2026 | BROWN JEFFREY Jdirector | Grant | 2,636 | — |
| Apr 30, 2026 | McFate Carol A.director | Grant | 206 | — |
Source: UPBD SEC Form 4 filings, latest Jul 9, 2026. For informational purposes only — not investment advice.
See the full UPBD insider & 13F page →Upbound Group, Inc. company profile
Overview
Upbound Group, Inc. (NASDAQ:UPBD) is an omni-channel platform company that provides lease-to-own and alternative financing solutions to underserved consumers across the United States, Puerto Rico, and Mexico. Founded in 1960 as Rent-A-Center, the company rebranded to Upbound Group in February 2023 to reflect its evolution from a traditional rent-to-own retailer into a technology-enabled financial services platform. The company operates through multiple brands including Rent-A-Center, Acima, and recently acquired Brigit, serving customers who typically lack access to traditional credit and financing options.
Business
Upbound Group operates in the alternative consumer financing industry, specifically focusing on lease-to-own and point-of-sale financing solutions. The lease-to-own model allows customers to obtain household goods immediately while making regular payments over time, with the option to own the item at the end of the lease term. This serves consumers who may not qualify for traditional credit due to limited credit history, lower credit scores, or irregular income patterns. The company operates through four primary business segments: 1. Acima (approximately 53% of total revenue): A point-of-sale lease-to-own platform that partners with over 23,000 retail locations including major chains like Walmart, Amazon, Target, and eBay. Customers can lease furniture, electronics, appliances, tires, and other durable goods directly at participating retailers through kiosks, mobile apps, or online platforms. Acima generated $2.3 billion in gross merchandise value (GMV) in 2024. 2. Rent-A-Center Business (approximately 42% of total revenue): The company's traditional brick-and-mortar lease-to-own stores operating under the Rent-A-Center brand, offering furniture, appliances, electronics, and other household items. The segment includes both company-owned stores and an e-commerce platform at rentacenter.com, with furniture and appliances representing nearly 70% of the product mix. 3. Mexico Operations (small percentage of revenue): Lease-to-own stores operating in Mexico, representing the company's international expansion efforts. 4. Franchising (minimal revenue contribution): Franchise operations under brands like ColorTyme and RimTyme. 5. Brigit (newly acquired in 2025): A digital financial health platform offering cash advances, budgeting tools, and financial wellness services to over 1.2 million subscribers, representing the company's expansion into broader financial technology services.
Revenue model
Upbound Group generates revenue through multiple streams within its lease-to-own business model. The primary revenue mechanism involves lease payments from customers who enter into lease agreements for household goods, with payment terms typically ranging from 12 to 24 months. Customers make weekly, bi-weekly, or monthly payments that include both the cost of the merchandise and the company's profit margin. The company's customers are primarily underserved consumers with limited access to traditional credit, including individuals with low credit scores, thin credit files, or irregular income patterns. These customers typically earn between $20,000 to $50,000 annually and represent approximately 60 million Americans who struggle to access conventional financing options. Revenue generation varies by segment. Acima earns revenue through lease origination fees and ongoing lease payments from customers who obtain goods at partner retail locations. The platform charges retailers for access to its financing solution and earns additional revenue from lease management services. Rent-A-Center generates revenue through direct lease agreements with customers visiting company-owned stores or the e-commerce platform. Brigit operates on a subscription model, charging monthly fees for premium financial services and earning transaction-based revenue from cash advances. Several factors influence the company's profit margins. Positive margin drivers include the trade-down effect during economic uncertainty, which brings higher-quality customers into the lease-to-own market, potentially reducing charge-off rates and improving customer lifetime value. Technology investments in AI-powered underwriting and decision engines help optimize approval rates while managing risk. The shift toward digital channels and marketplace expansion reduces operational costs compared to traditional brick-and-mortar operations. Margin pressures come from competitive dynamics in the alternative financing space, regulatory scrutiny from agencies like the Consumer Financial Protection Bureau (CFPB), and economic factors affecting consumer spending patterns. Rising charge-off rates during economic downturns can significantly impact profitability, as can increased customer acquisition costs and the need for continuous technology investments to maintain competitive positioning.
Competitive moat
Upbound Group's competitive moat is moderate but strengthening through its technology platform and market positioning. The company's primary competitive advantages stem from its extensive retail partner network, particularly Acima's relationships with over 23,000 locations including major retailers like Walmart, Amazon, and Target. These partnerships create switching costs for retailers who have integrated Acima's point-of-sale systems and provide valuable distribution reach that competitors struggle to replicate quickly. The company's underwriting expertise and data advantage represents another defensive element. With decades of experience serving underserved consumers, Upbound has developed proprietary algorithms and risk assessment capabilities that help optimize approval rates while managing charge-off losses. The company's database of customer behavior patterns and payment histories provides insights that newer entrants lack. However, the moat faces several challenges. The regulatory environment poses ongoing risks, as evidenced by the company's recent legal disputes with the CFPB over jurisdiction and business practices. Regulatory changes could significantly impact the business model or require costly compliance adaptations. Technology disruption represents another threat, as fintech companies with venture capital backing continue to enter the alternative lending space with potentially more sophisticated platforms and lower cost structures. Competitive pressure comes from both traditional players like Aaron's and Progressive Leasing, as well as newer fintech entrants offering buy-now-pay-later (BNPL) solutions. While BNPL typically serves higher credit quality customers, the boundaries between market segments continue to blur. The company's acquisition of Brigit represents an attempt to expand its moat by offering a broader suite of financial services, but this strategy is still in early stages and faces competition from established players like Chime and Dave.
Risks & safety
Upbound Group presents moderate financial risk with some concerning leverage metrics but improving operational cash flow generation. • Liquidity and Solvency: Current ratio of 0.88 indicates potential short-term liquidity pressure, with current liabilities ($395M) exceeding current assets ($348M). However, the company maintains $107M in cash and generates strong operating cash flow ($138M in Q1 2025). Debt-to-equity ratio of 2.66 reflects high leverage typical of asset-heavy lease-to-own businesses. • Valuation Metrics: Trading at P/E ratio of 13.2x and EV/EBITDA of 10.0x, representing reasonable valuations for a specialty finance company. Price-to-book ratio of 1.93x appears fair given the asset-intensive nature of the business. Graham number of 11.2 suggests potential undervaluation relative to conservative metrics. • Other Considerations: The company's business model generates predictable cash flows through lease payments, providing some stability. Recent acquisition of Brigit adds growth potential but also integration risks. Regulatory scrutiny from CFPB creates ongoing uncertainty that could impact operations or require significant legal costs.
Recent development
Over the past few years, Upbound Group has undergone significant strategic transformation from a traditional rent-to-own retailer into a technology-enabled financial services platform. The company's most significant recent development was the acquisition of Brigit in early 2025, a digital financial health platform serving over 1.2 million subscribers. This $300+ million acquisition represents a major expansion into broader financial technology services beyond lease-to-own, enabling cross-selling opportunities and access to cash flow-based underwriting capabilities. The company has invested heavily in digital transformation initiatives across all segments. Acima has expanded its marketplace presence by partnering with major e-commerce platforms including Amazon, Walmart, Target, and eBay, while developing AI-powered search engines and leasability tools. Rent-A-Center has focused on enhancing its e-commerce capabilities, implementing new point-of-sale systems (Rackpad), and developing AI-enabled search functionality for personalized customer experiences. Leadership transition marked another significant development, with longtime CEO Mitch Fadel retiring and Fahmi Karam taking over as CEO in June 2024. This transition followed a deliberate succession planning process and represents a generational shift in company leadership as it evolves into a technology-focused platform. The company has also navigated regulatory challenges, including resolving matters with the Consumer Financial Protection Bureau (CFPB) while maintaining its business model integrity. Strategic priorities going forward include expanding Acima's presence in Mexico, developing virtual lease card capabilities, and leveraging Brigit's technology for enhanced underwriting across the platform. The company expects approximately two-thirds of its adjusted EBITDA to come from tech-enabled channels by the end of 2025.
UPBD company profile · for informational purposes only — not investment advice.
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