Upbound Group
Runs lease-to-own channels and app-based financial-health tools for underserved consumers.
Something off on this page? Send us feedback.
Profile
Operates Acima merchant lease-to-own, Rent-A-Center stores and e-commerce, Brigit financial-health apps, and Mexico stores. Most activity is tied to US and Puerto Rico lease-to-own channels, with Mexico stores and Brigit adding adjacent consumer-finance exposure.
Organizes the former Rent-A-Center public company around Acima, Rent-A-Center, Brigit, and Mexico. Acima embeds lease-to-own at third-party retailers and digital channels, while Rent-A-Center serves shoppers through stores, franchising, and e-commerce.
Reaches consumers mainly in the United States and Puerto Rico, with a smaller Mexico store base. Brigit adds mobile and web tools such as earned-wage access, credit building, identity protection, and financial-health subscriptions.
Execution depends on approval data, merchandise recovery, store and retailer workflows, and technology that keeps applications and servicing simple. Lease-to-own contracts are governed by state rental-purchase rules, while Brigit operates under consumer-finance, bank-partner, and FTC settlement obligations.
Company facts
Key statistics
Year to date +10.8% · Average volume (30d) 991.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 31, 2026 | BTIG | Downgrade | Buy | Neutral | $45 | $28 |
| Sep 15, 2025 | Loop Capital | Upgrade | Hold | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $1.05 | $1.07 | +1.9% | $1.16B | $1.16B | −0.1% | −3.96% |
| Apr 30, 2026Q1 FY26 | $1.06 | $1.08 | +1.9% | $1.23B | $1.22B | −0.5% | −2.88% |
| Feb 19, 2026Q4 FY25 | $0.97 | $1.01 | +4.1% | $1.17B | $1.20B | +2.1% | +2.61% |
| Oct 30, 2025Q3 FY25 | $0.98 | $1.00 | +2.0% | $1.18B | $1.16B | −0.9% | +0.21% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.18B | $1.16B | $1.16B | $1.20B | $1.22B | $1.16B | |
| Gross profit | $550.1M | $571.8M | $563.1M | $586.7M | $586.5M | $594.8M | |
| Operating income | $62.6M | $50.7M | $52.8M | $57.2M | $77.4M | $54.3M | |
| Net income | $24.8M | $15.5M | $13.2M | $19.7M | $35.8M | $21.6M | |
| Diluted EPS | $0.42 | $0.26 | $0.22 | $0.34 | $0.61 | $0.37 | |
| Gross margin | 46.8% | 49.4% | 48.3% | 49.0% | 48.1% | 51.1% | |
| Operating margin | 5.3% | 4.4% | 4.5% | 4.8% | 6.3% | 4.7% |
Fiscal years (4-quarter sums)FY21 $4.58B · FY22 $4.25B · FY23 $3.99B · FY24 $4.32B · FY25 $4.70B
Revenue by product · Q2 FY26
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $105.3M · Total debt $1.71B · Total assets $3.10B · Shareholders' equity $733.4M
Dividends
Raised for 6 straight years — most recently to $0.39 from $0.37 in Dec 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 16, 2026 | Jun 16 | Jul 7 | $0.39 | |
| Apr 7, 2026 | Apr 7 | Apr 28 | $0.39 | |
| Dec 17, 2025 | Dec 17 | Jan 6 | $0.39 | |
| Sep 30, 2025 | Sep 30 | Oct 21 | $0.39 | |
| Jun 17, 2025 | Jun 17 | Jul 8 | $0.39 | |
| Apr 2, 2025 | Apr 2 | Apr 22 | $0.39 | |
| Dec 18, 2024 | Dec 18 | Jan 7 | $0.39 | raised from $0.37 |
| Oct 1, 2024 | Oct 1 | Oct 22 | $0.37 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 58.29M · Float 54.94M · 94.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 9.15M | 15.70% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 4.23M | 7.26% | 13F | Aug 13, 2026 |
| Allred Aaron R | 4.10M | 7.10% | 13G | Oct 22, 2025 |
| FMR LLC | 3.31M | 5.68% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 2.74M | 4.71% | 13F | Aug 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 21, 2026 | Anthony J. Blasquez | officer: EVP-RAC | −10,000 | $18.85 |
| Jul 7, 2026 | Jeffrey J. Brown | director | +2,295 | $20.09 |
| Apr 28, 2026 | Jeffrey J. Brown | director | +2,329 | $19.41 |
| Jan 6, 2026 | Jeffrey J. Brown | director | +2,502 | $17.68 |
| Oct 21, 2025 | Jeffrey J. Brown | director | +1,951 | $22.27 |
Peers
- PROG
Closest scaled public peer in point-of-sale lease-to-own
- FirstCash
AFF adds scale in no-credit-required retail POS finance
- Affirm
Large BNPL lender competing for checkout placement
- Katapult
Digital nonprime LTO peer focused on e-commerce merchants
- OneMain
Nonprime lender substituting credit for LTO access
- Klarna
Global flexible-payments network competing at checkout
- Best Buy
Retail alternative for electronics and appliance purchases
- Dave
Cash-advance neobank overlapping Brigit financial health
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Upbound Group | $19.22 | 0.00% | $1.12B | 12.5 | 4.4 | 0.2 | +0.5% |
| PROG | $39.10 | +0.01% | $1.56B | 10.8 | 7.7 | 0.6 | +19.0% |
| FirstCash | $219.21 | +0.08% | $9.51B | 25.0 | 18.1 | 2.3 | +29.4% |
| Affirm | $77.40 | −0.37% | $26.04B | 70.7 | 44.6 | 6.6 | +33.0% |
| Katapult | $5.69 | −0.96% | $27.1M | 3.8 | — | 0.1 | +4.0% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Klarna | $14.33 | +1.06% | $5.36B | — | 106.9 | 1.3 | — |
| Best Buy | $82.82 | +0.46% | $17.38B | 13.7 | 12.0 | 0.4 | +3.6% |
| Dave | $378.71 | −0.06% | $5.09B | 24.5 | 20.8 | 7.9 | +29.6% |
| Median | 13.7 | 18.1 | 1.2 | +19.0% |