10-K · February 23, 2026
Upbound completed the Brigit acquisition (Jan 31, 2025) and reported record annual revenue in 2025 of approximately $4.70 billion (sum of quarterly revenue). Revenue and free cash flow improved YoY, but GAAP…
Earnings analysis · 10-Q
UPBD earnings analysis
Filed April 30, 2026 · Our reading of the company's report
The latest report
Upbound Group reported Q1 2026 revenues of $1.22 billion, an increase of 3.7% year-over-year, but slightly below market expectations. EPS was reported at $1.08, surpassing estimates by a small margin, driven primarily…
Read full summary
Upbound Group reported Q1 2026 revenues of $1.22 billion, an increase of 3.7% year-over-year, but slightly below market expectations. EPS was reported at $1.08, surpassing estimates by a small margin, driven primarily by growth in the Acima and Brigit segments, while Rent-A-Center revenues faced a decline. The company's guidance for full-year revenue remains between $4.7 billion and $4.95 billion, indicating continued cautious optimism despite economic headwinds.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
From revenue to operating profit
Where each $100 of revenue went in this report.
Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.
Where revenue came from
The business segments reported by the company.
Shares of the segments disclosed in this filing, largest first.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.08
What stood out
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Revenue Increases
Total revenue rose to $1.22 billion, up 3.7% from $1.18 billion in Q1 2025.
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Strong EPS Performance
Reported EPS of $1.08, exceeding consensus estimates of $1.07 by 0.9%.
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Brigit Segment Growth
Brigit revenues surged 112.4% to $67.7 million, significantly contributing to overall growth.
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Acima Revenue Up
Acima segment revenues increased by $11.4 million to $648.7 million, showing 1.8% growth.
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Solid Cash Flow
Operating cash flow of $170.7 million for Q1 2026, an increase from $148 million in Q1 2025.
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Dividend Declared
Company declared a quarterly dividend of $0.39 per share, paid on April 28, 2026.
What to watch
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Rent-A-Center Revenue Decline
Rent-A-Center's revenues fell by $7.4 million, or 1.5%, attributed to lower consumer activity.
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Macroeconomic Conditions
Ongoing economic uncertainties affecting consumer spending may adversely impact operations.
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Merchandise Losses Increase
Total merchandise losses rose to $94.2 million from $87.5 million, impacting profitability.
Management's outlook
Full-year 2026 revenue guidance reaffirmed at $4.7B to $4.95B.
Earlier filings 4
10-Q · October 31, 2025
Upbound reported Q3 revenue of $1,164,717 (in thousands), up from $1,068,859 (in thousands) a year earlier, and delivered a GAAP diluted EPS of $0.22. Gross profit increased to $563,076 (in thousands) and gross margin…
10-Q · May 2, 2025
Upbound reported quarterly revenue of $1,176,363 (in thousands), up $80,396 versus Q1 2024 ($1,095,967). Operating cash flow strengthened to $137,736 (in thousands) and cash balances increased to $107,325 (in…
10-Q · October 31, 2024
Upbound reported Q3 2024 revenue of $1,068,859 (in thousands), up 9.2% versus Q3 2023 and producing a quarter with materially higher operating profit and net income. Gross margin was 47.8% and operating profit was…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.