Rent-A-Center/$UPBD

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About Rent-A-Center

Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has three operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions across e-commerce, digital, and mobile channels, Mexico segment offers lease-to-own stores in Mexico. The franchising segment offers the sale of rental merchandise to its franchisees. The company derives a majority of its revenue from the Acima segment.

Ticker

$UPBD
Primary listing

Employees

11,970

Rent-A-Center Metrics

BasicAdvanced
$1B
12.26
$1.45
1.88
$1.56
8.76%

What the Analysts think about Rent-A-Center

Analyst ratings (Buy, Hold, Sell) for Rent-A-Center stock.

Bulls say / Bears say

The Acima segment achieved its eighth straight quarter of growth, with gross merchandise volume up 11.0% and segment revenue up 10.4% year-over-year.
Brigit reported 40.2% year-over-year revenue growth in Q3 2025, supported by a 26.8% increase in paying subscribers and an 11.4% rise in average revenue per user (ARPU).
Upbound generated $264 million in net cash from operating activities through Q3 2025, $97 million more year-over-year, demonstrating strong cash flow generation.
Rent-A-Center same-store sales fell 3.6% year-over-year in Q3 2025, showing continued weakness in its core store-based business.
Acima’s lease charge-off rate rose to 9.7% in Q3 2025, a 50 basis point increase that points to rising credit risk pressures.
The company finished Q3 2025 with $1.5 billion in net debt and $364 million in available liquidity, giving it a 2.9× leverage ratio—above its target of 2.0×.
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 2025.

Rent-A-Center Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Rent-A-Center Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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