Upbound (UPBD)
Market Price (11/3/2026): $22.94 | Market Cap: $1.3 BilSector: Consumer Discretionary | Industry: Computer & Electronics Retail
Upbound (UPBD)
Market Price (11/3/2026): $22.94Market Cap: $1.3 BilSector: Consumer DiscretionaryIndustry: Computer & Electronics Retail
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%, FCF Yield is 36% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11% Low stock price volatilityVol 12M is 48% Megatrend and thematic driversMegatrends include Cloud Computing. Themes include Hybrid Cloud Solutions, Infrastructure as a Service (IaaS), and Platform as a Service (PaaS). | Weak multi-year price returns2Y Excs Rtn is -44%, 3Y Excs Rtn is -87% Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 16% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 125% Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.6% Key risksUPBD key risks include [1] its substantial debt load and restrictive covenants, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 17%, Dividend Yield is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%, FCF Yield is 36% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 11% |
| Low stock price volatilityVol 12M is 48% |
| Megatrend and thematic driversMegatrends include Cloud Computing. Themes include Hybrid Cloud Solutions, Infrastructure as a Service (IaaS), and Platform as a Service (PaaS). |
| Weak multi-year price returns2Y Excs Rtn is -44%, 3Y Excs Rtn is -87% |
| Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 16% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 125% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.6% |
| Key risksUPBD key risks include [1] its substantial debt load and restrictive covenants, Show more. |
Qualitative Assessment
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Upbound (UPBD) stock has gained about 20% since 7/31/2026 because of the following key factors:
1. Upbound Group (UPBD) reported stronger-than-expected financial results for its fiscal third quarter 2026, which ended September 30, 2026. The company announced non-GAAP diluted earnings per share (EPS) of $1.01, surpassing the consensus estimate of $0.91 by $0.10. Consolidated revenue reached $1.15 billion, exceeding analysts' expectations of $1.12 billion.
2. The company demonstrated significant profitability improvements and operational discipline across its segments in fiscal Q3 2026. GAAP net earnings surged 159% year-over-year to $34.3 million, up from $13.2 million in the prior year. This was driven by a 17.3% increase in Acima's GAAP net earnings to $74.7 million and a 93.8% increase in Brigit's GAAP net earnings to $8.9 million. Acima's adjusted EBITDA increased approximately 15% year-over-year to $86 million, with its lease charge-off rate improving by more than 100 basis points to 8.7%.
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Upbound (UPBD) stock has gained about 20% since 7/31/2026 because of the following key factors:
1. Upbound Group (UPBD) reported stronger-than-expected financial results for its fiscal third quarter 2026, which ended September 30, 2026. The company announced non-GAAP diluted earnings per share (EPS) of $1.01, surpassing the consensus estimate of $0.91 by $0.10. Consolidated revenue reached $1.15 billion, exceeding analysts' expectations of $1.12 billion.
2. The company demonstrated significant profitability improvements and operational discipline across its segments in fiscal Q3 2026. GAAP net earnings surged 159% year-over-year to $34.3 million, up from $13.2 million in the prior year. This was driven by a 17.3% increase in Acima's GAAP net earnings to $74.7 million and a 93.8% increase in Brigit's GAAP net earnings to $8.9 million. Acima's adjusted EBITDA increased approximately 15% year-over-year to $86 million, with its lease charge-off rate improving by more than 100 basis points to 8.7%.
3. Upbound Group provided an optimistic financial outlook for fiscal year 2026 and announced a new share repurchase program. The company narrowed its full-year 2026 guidance ranges across all metrics and, notably, increased the midpoint of its non-GAAP diluted EPS outlook to a range of $4.15 to $4.30. Additionally, Upbound announced plans to repurchase up to $50 million of its common stock, signaling confidence in its valuation and future performance. Strong cash generation, with operating cash flow of $163.1 million and debt reduction exceeding $225 million since year-end, further supported this positive sentiment.
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Stock Movement Drivers
Fundamental Drivers
The 20.8% change in UPBD stock from 7/31/2026 to 11/2/2026 was primarily driven by a 23.8% change in the company's Net Income Margin (%).| (LTM values as of) | 7312026 | 11022026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.91 | 22.84 | 20.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,744 | 4,726 | -0.4% |
| Net Income Margin (%) | 1.9% | 2.4% | 23.8% |
| P/E Multiple | 12.2 | 12.0 | -2.0% |
| Shares Outstanding (Mil) | 58 | 58 | 0.0% |
| Cumulative Contribution | 20.8% |
Market Drivers
7/31/2026 to 11/2/2026| Return | Correlation | |
|---|---|---|
| UPBD | 20.8% | |
| Market (SPY) | 0.7% | -0.3% |
| Sector (XLY) | 1.8% | 40.1% |
Fundamental Drivers
The 21.0% change in UPBD stock from 4/30/2026 to 11/2/2026 was primarily driven by a 51.1% change in the company's Net Income Margin (%).| (LTM values as of) | 4302026 | 11022026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.87 | 22.84 | 21.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,695 | 4,726 | 0.7% |
| Net Income Margin (%) | 1.6% | 2.4% | 51.1% |
| P/E Multiple | 14.6 | 12.0 | -18.2% |
| Shares Outstanding (Mil) | 57 | 58 | -2.6% |
| Cumulative Contribution | 21.0% |
Market Drivers
4/30/2026 to 11/2/2026| Return | Correlation | |
|---|---|---|
| UPBD | 21.0% | |
| Market (SPY) | 4.9% | 14.3% |
| Sector (XLY) | 0.0% | 42.6% |
Fundamental Drivers
The 28.9% change in UPBD stock from 10/31/2025 to 11/2/2026 was primarily driven by a 27.7% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 11022026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.72 | 22.84 | 28.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,578 | 4,726 | 3.2% |
| Net Income Margin (%) | 1.8% | 2.4% | 27.7% |
| P/E Multiple | 11.9 | 12.0 | 0.5% |
| Shares Outstanding (Mil) | 57 | 58 | -2.7% |
| Cumulative Contribution | 28.9% |
Market Drivers
10/31/2025 to 11/2/2026| Return | Correlation | |
|---|---|---|
| UPBD | 28.9% | |
| Market (SPY) | 11.2% | 27.4% |
| Sector (XLY) | -0.9% | 49.5% |
Fundamental Drivers
The 6.5% change in UPBD stock from 10/31/2023 to 11/2/2026 was primarily driven by a 17.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312023 | 11022026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.44 | 22.84 | 6.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,010 | 4,726 | 17.9% |
| P/S Multiple | 0.3 | 0.3 | -4.6% |
| Shares Outstanding (Mil) | 55 | 58 | -5.2% |
| Cumulative Contribution | 6.5% |
Market Drivers
10/31/2023 to 11/2/2026| Return | Correlation | |
|---|---|---|
| UPBD | 6.5% | |
| Market (SPY) | 86.0% | 39.9% |
| Sector (XLY) | 58.9% | 49.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| UPBD Return | 28% | -50% | 58% | -10% | -35% | 39% | -18% |
| Peers Return | -45% | -67% | 14% | 0% | -17% | 51% | -74% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 101% |
Monthly Win Rates [3] | |||||||
| UPBD Win Rate | 58% | 42% | 58% | 42% | 42% | 55% | |
| Peers Win Rate | 33% | 33% | 46% | 46% | 50% | 59% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 36% | |
Max Drawdowns [4] | |||||||
| UPBD Max Drawdown | -33% | -63% | -27% | -28% | -44% | -31% | |
| Peers Max Drawdown | -58% | -75% | -52% | -46% | -60% | -47% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PRG, KPLT.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/2/2026 (YTD)
How Low Can It Go
| Event | UPBD | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -23.4% | -9.5% |
| % Gain to Breakeven | 30.5% | 10.5% |
| Time to Breakeven | 48 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -18.0% | -6.7% |
| % Gain to Breakeven | 22.0% | 7.1% |
| Time to Breakeven | 45 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -55.3% | -33.7% |
| % Gain to Breakeven | 123.7% | 50.9% |
| Time to Breakeven | 73 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -35.3% | -3.7% |
| % Gain to Breakeven | 54.5% | 3.9% |
| Time to Breakeven | 107 days | 6 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -63.2% | -12.2% |
| % Gain to Breakeven | 171.7% | 13.9% |
| Time to Breakeven | 1190 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -62.4% | -6.8% |
| % Gain to Breakeven | 166.1% | 7.3% |
| Time to Breakeven | 1190 days | 15 days |
In The Past
Upbound's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
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| Event | UPBD | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -23.4% | -9.5% |
| % Gain to Breakeven | 30.5% | 10.5% |
| Time to Breakeven | 48 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -55.3% | -33.7% |
| % Gain to Breakeven | 123.7% | 50.9% |
| Time to Breakeven | 73 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -35.3% | -3.7% |
| % Gain to Breakeven | 54.5% | 3.9% |
| Time to Breakeven | 107 days | 6 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -63.2% | -12.2% |
| % Gain to Breakeven | 171.7% | 13.9% |
| Time to Breakeven | 1190 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -62.4% | -6.8% |
| % Gain to Breakeven | 166.1% | 7.3% |
| Time to Breakeven | 1190 days | 15 days |
| 2013 Taper Tantrum | ||
| % Loss | -29.6% | -0.2% |
| % Gain to Breakeven | 42.0% | 0.2% |
| Time to Breakeven | 272 days | 1 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.6% | -17.9% |
| % Gain to Breakeven | 36.3% | 21.8% |
| Time to Breakeven | 63 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -22.4% | -15.4% |
| % Gain to Breakeven | 28.9% | 18.2% |
| Time to Breakeven | 112 days | 125 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -36.3% | -8.6% |
| % Gain to Breakeven | 56.9% | 9.5% |
| Time to Breakeven | 998 days | 47 days |
In The Past
Upbound's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Upbound (UPBD)
Upbound (formerly Rent-A-Center, Inc.) is a lease-to-own and retail installment sales company specializing in household durable goods. The company primarily offers customers flexible options to acquire items like furniture, appliances, consumer electronics, and computing devices through lease agreements that can lead to ownership, or via direct installment sales. This model caters to a broad consumer base, particularly those who may not qualify for traditional retail financing.
Beyond a wide range of household products, Upbound's offerings extend to tools, tires, and fashion accessories. The company operates through multiple channels, including its owned and franchised brick-and-mortar stores under brands like Rent-A-Centre, ColorTyme, and RimTyme, as well as retail installment sales stores such as Get It Now. It also leverages an e-commerce platform, rentacenter.com, and its Acima segment facilitates lease-to-own transactions through kiosks located within third-party retail stores, further broadening its accessibility.
Upbound serves customers across the United States, Puerto Rico, and Mexico. With a significant footprint of owned and franchised locations, the company's core focus is on providing accessible payment solutions for essential and discretionary household items, allowing consumers to obtain goods without upfront credit requirements often associated with traditional purchasing or financing.
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Here are 1-3 brief analogies for Upbound:
- Best Buy for rent-to-own electronics and furniture.
- Netflix for physical household goods, but you can eventually own the items.
AI Analysis | Feedback
- Lease-to-own Agreements: Providing household durable goods such as furniture, appliances, electronics, and accessories to customers through lease-to-own contracts.
- Installment Sales: Offering merchandise for direct purchase through installment payment plans, primarily under the Get It Now and Home Choice brands.
- Retail Partner Lease-to-own Solutions: Facilitating lease-to-own transactions for consumers who do not qualify for traditional financing, often through kiosks located within other retailers' stores.
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Upbound (UPBD) Major Customers
Upbound (formerly Rent-A-Center, Inc.) primarily sells directly to individual consumers rather than other businesses. The company serves the following categories of customers:
- Consumers seeking lease-to-own household durable goods: Individuals who require flexible payment solutions for essential home products such as furniture, appliances, consumer electronics, computers, and smartphones, often due to a preference for lease-to-own options or challenges qualifying for traditional credit.
- Shoppers needing alternative financing at third-party retailers: Customers who utilize Upbound's lease-to-own transaction services (e.g., through its Acima segment) at other retail locations when they do not qualify for financing directly from those traditional retailers.
- Individuals purchasing merchandise on installment plans: Consumers who acquire goods through the company's direct retail installment sales stores (such as Get It Now and Home Choice).
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Fahmi Karam
Chief Executive Officer
Fahmi Karam was appointed Chief Executive Officer of Upbound in June 2025. He previously served as the Executive Vice President and Chief Financial Officer of the company, a role he took on in October 2022. Mr. Karam brings nearly 25 years of experience in strategy, operations, and finance. Prior to his time at Upbound, he was Chief Financial Officer & Head-Pricing & Analytics at Santander Consumer USA Holdings, Inc., and a Senior Associate at Deloitte & Touche LLP.
Hal Khouri
Executive Vice President, Chief Financial Officer
Hal Khouri joined Upbound as Executive Vice President and Chief Financial Officer, effective November 10, 2025. He has over 30 years of experience in consumer-based banking, financial services, leasing, retail, consulting, and government service. Before joining Upbound, Mr. Khouri served as Executive Vice President and Chief Financial Officer of goeasy Ltd. from August 2019 through November 2025. His previous experience also includes CFO positions at Walmart Canada Bank (now Fairstone Bank of Canada) and JPMorgan Chase Canada Bank.
Anthony Blasquez
Executive Vice President, Rent-A-Center
Anthony Blasquez is the Executive Vice President of Rent-A-Center.
Rebecca Wooters
Executive Vice President, Chief Growth Officer
Rebecca Wooters is the Executive Vice President, Chief Growth Officer at Upbound.
Tyler Montrone
Executive Vice President, Acima
Tyler Montrone serves as the Executive Vice President for Acima at Upbound.
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The key risks to Upbound's business (NASDAQ: UPBD) include:
- Economic Conditions and Consumer Credit Risk: Upbound's performance is highly sensitive to the general strength of the economy and prevailing economic conditions. Factors such as inflation, central bank monetary policy, recessionary pressures, and the availability of credit for consumers can significantly influence customer spending habits and their ability to make timely lease payments. This directly impacts the company's lease charge-off rates and overall profitability.
- Significant Debt and Financial Leverage: The company operates with a substantial amount of debt, reflected in a high debt-to-equity ratio, which can lead to increased interest expenses and potential liquidity concerns. High interest rates can further exacerbate the cost of this debt, potentially limiting the company's financial flexibility and opportunities for growth due to debt covenants.
- Regulatory and Litigation Challenges: Upbound faces risks associated with changes in laws and regulations governing lease-to-own transactions. There is a continuous risk that these transactions could be re-characterized as credit sales, subjecting the company to consumer credit laws and regulations that could adversely affect its business model. Furthermore, the company is involved in ongoing litigation, including a lawsuit between its Acima segment and the Consumer Financial Protection Bureau (CFPB) regarding alleged illegal lending activities, the outcome of which could have a material impact.
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The rise of "Buy Now, Pay Later" (BNPL) services presents a clear emerging threat. These fintech-driven installment payment options offer consumers alternative financing for purchases, often with immediate approval and integration into retail checkouts. As BNPL services expand their reach and cater to a broader spectrum of credit profiles, they could directly compete with Upbound's lease-to-own and installment sales models, potentially drawing away customers seeking flexible payment solutions for household durable goods.
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Upbound (symbol: UPBD), operating primarily as Rent-A-Center, offers lease-to-own agreements for household durable goods such as furniture, appliances, consumer electronics, computers, and smartphones. The addressable market for these products and services is defined by the broader rent-to-own industry.
The global rent-to-own market was estimated to be USD 100.92 billion in 2024 and is projected to grow to USD 151.65 billion by 2033.
Specifically, for the United States, a significant region for Upbound's operations, the rent-to-own market was valued at USD 29.51 billion in 2024.
While Upbound also has a presence in Mexico and Puerto Rico, specific market sizes for the rent-to-own industry in these regions were not readily available in the search results.
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Capital Allocation Decisions (2021-2026)
Share Repurchases
- A stock repurchase program of approximately $500 million was authorized in 2021.
- As of mid-2025, the company had a stock repurchase program in place but appeared more focused on debt reduction rather than active share repurchases.
- By early 2026, the company was prioritizing deleveraging and maintaining its dividend, with opportunistic share buybacks deferred.
Share Issuance
- In connection with the acquisition of Brigit on January 31, 2025, Upbound issued approximately 2.7 million shares of common stock as part of the total consideration.
- During the first half of 2023, approximately 599,845 market-based performance units and 350,736 time-based stock awards were granted under long-term incentive plans.
Inbound Investments
- Upbound raised $60 million in a Series B funding round on November 29, 2021, with investors including Altimeter Capital and Telstra Ventures.
Outbound Investments
- On January 31, 2025, Upbound acquired Brigit for a total consideration of up to $460 million, which included approximately $278.7 million in cash and about 2.7 million shares of Upbound common stock, along with deferred consideration and an earnout.
- During 2025, the company acquired four lease-to-own store locations.
Capital Expenditures
- Capital expenditures totaled $66.9 million in 2025, $56.3 million in 2024, and $53.4 million in 2023.
- The increase in capital expenditures in 2025 was primarily attributed to higher investment in software development.
- The company continues to invest in technology and infrastructure to support its business evolution and transformation, including digital investments for customer experience and cross-segment connections.
Peer Outperformance in Computer & Electronics Retail
null| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Education Services | 14 | -3.2% | 35.5% | 76.9% | CVSA 255% · GHC 117% · LRN 109% |
| Homebuilding | 17 | 3.8% | 32.7% | 38.5% | PHM 188% · CVCO 174% · TOL 169% |
| Hotels, Resorts & Cruise Lines | 21 | 24.4% | 60.9% | 20.3% | RCL 278% · MAR 171% · HLT 162% |
| Automotive Retail | 17 | -0.6% | 15.0% | 11.8% | MUSA 220% · PAG 125% · ORLY 119% |
| Home Furnishings | 3 | 2.7% | 74.8% | 3.9% | SGI 58% · MHK -15% |
| Home Improvement Retail | 5 | -7.6% | 18.9% | 3.4% | HD 5% · LOW 3% · FND -65% |
| Footwear | 9 | 86.5% | 82.4% | -8.5% | DECK 29% · SHOO 9% · CROX -9% |
| Specialized Consumer Services | 10 | -5.3% | 38.1% | -13.8% | HRB 171% · FTDR 126% · ADT 29% |
| Restaurants | 36 | 3.1% | -5.5% | -14.6% | EAT 407% · CAKE 209% · TXRH 133% |
| Distributors | 4 | -8.1% | -15.2% | -23.8% | ARMK 113% · GPC 8% · POOL -55% |
| Leisure Products | 14 | -11.3% | -11.9% | -33.0% | GOLF 82% · HAS 54% · BC -9% |
| Household Appliances | 18 | 20.9% | 18.8% | -33.8% | WHR -81% |
| Apparel, Accessories & Luxury Goods | 29 | 11.4% | 30.3% | -38.6% | RL 274% · TPR 246% · KTB 68% |
| Leisure Facilities | 12 | -4.0% | 3.1% | -40.5% | OSW 186% · LTH 149% · PLNT -33% |
| Apparel Retail | 27 | 1.0% | 5.7% | -41.2% | ANF 287% · TJX 125% · ROST 113% |
| Computer & Electronics Retail ← | 3 | 23.3% | 65.6% | -41.7% | BBY -2% · GME -53% |
| Broadline Retail | 12 | -3.1% | 20.8% | -44.1% | EBAY 76% · AMZN 48% · OLLI 25% |
| Automotive Parts & Equipment | 39 | -10.5% | -10.6% | -45.9% | MOD 1011% · GTX 190% · PATK 73% |
| Casinos & Gaming | 21 | -24.9% | -19.9% | -50.2% | MCRI 82% · BYD 24% · RRR 21% |
| Other Specialty Retail | 24 | -9.6% | -14.2% | -60.7% | ULTA 71% · ASO 47% · DKS 29% |
| Automobile Manufacturers | 8 | -11.6% | -44.2% | -69.3% | GM 69% · TSLA 3% · F -5% |
| Consumer Electronics | 11 | -35.8% | -39.8% | -80.5% | GRMN 111% |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 22.94 |
| Mkt Cap | 1.3 |
| Rev LTM | 2,763 |
| Op Inc LTM | 260 |
| FCF LTM | 316 |
| FCF 3Y Avg | 220 |
| CFO LTM | 331 |
| CFO 3Y Avg | 257 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.0% |
| Rev Chg 3Y Avg | 6.0% |
| Rev Chg Q | 4.0% |
| QoQ Delta Rev Chg LTM | 1.0% |
| Op Inc Chg LTM | 6.1% |
| Op Inc Chg 3Y Avg | 25.7% |
| Op Mgn LTM | 5.5% |
| Op Mgn 3Y Avg | 5.7% |
| QoQ Delta Op Mgn LTM | -0.2% |
| CFO/Rev LTM | 10.6% |
| CFO/Rev 3Y Avg | 6.1% |
| FCF/Rev LTM | 9.2% |
| FCF/Rev 3Y Avg | 4.8% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Acima | 2,512 | 2,261 | 1,931 | 2,110 | 2,328 |
| Rent-A-Center | 1,897 | 1,980 | 1,986 | 1,950 | 2,038 |
| Brigit | 206 | ||||
| Mexico | 79 | 79 | 75 | 65 | 61 |
| Franchising | 120 | 156 | |||
| Total | 4,695 | 4,321 | 3,992 | 4,245 | 4,583 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Acima | 295 | 256 | 235 | 151 | 176 |
| Rent-A-Center | 250 | 297 | 291 | 335 | 449 |
| Brigit | 31 | ||||
| Mexico | 5 | 5 | 5 | 6 | 8 |
| Corporate | -357 | -266 | -368 | -363 | -373 |
| Franchising | 19 | 20 | |||
| Total | 223 | 292 | 163 | 149 | 281 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Acima | 1,281 | 1,302 | 1,222 | 1,199 | 1,477 |
| Rent-A-Center | 1,016 | 978 | 1,061 | 1,068 | 1,027 |
| Corporate | 486 | 323 | 363 | 427 | 433 |
| Brigit | 430 | 0 | |||
| Mexico | 63 | 48 | 57 | 51 | 42 |
| Franchising | 18 | 18 | 15 | ||
| Total | 3,276 | 2,650 | 2,721 | 2,764 | 2,993 |
Price Behavior
| Market Price | $22.84 | |
| Market Cap ($ Bil) | 1.3 | |
| First Trading Date | 01/25/1995 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $17.05 | $18.15 |
| DMA Trend | down | indeterminate |
| Distance from DMA | 33.9% | 25.8% |
| 3M | 1YR | |
| Volatility | 54.6% | 46.1% |
| Downside Capture | -26.12 | 97.26 |
| Upside Capture | 58.52 | 116.41 |
| Correlation (S&P 500) | -5.7% | 27.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -1.89 | -0.75 | 0.16 | 0.67 | 1.02 | 1.16 |
| Up Beta | -4.67 | -2.25 | -0.16 | 0.16 | 0.97 | 1.24 |
| Down Beta | -0.52 | -1.68 | -1.81 | 0.16 | 0.71 | 0.82 |
| Up Capture | 43% | 32% | 100% | 112% | 128% | 147% |
| Bmk +ve Days | 12 | 18 | 28 | 62 | 130 | 427 |
| Stock +ve Days | 11 | 19 | 28 | 61 | 116 | 355 |
| Down Capture | -482% | -96% | 55% | 92% | 109% | 109% |
| Bmk -ve Days | 10 | 25 | 36 | 64 | 121 | 325 |
| Stock -ve Days | 10 | 23 | 35 | 63 | 130 | 386 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with UPBD | |
|---|---|---|---|---|
| UPBD | 29.3% | 46.1% | 0.68 | - |
| Sector ETF (XLY) | 1.7% | 19.3% | -0.05 | 49.1% |
| Equity (SPY) | 11.6% | 12.8% | 0.57 | 27.4% |
| Gold (GLD) | -2.3% | 28.6% | -0.09 | -0.5% |
| Commodities (DBC) | 43.1% | 20.9% | 1.60 | -32.9% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.50 | 40.9% |
| Bitcoin (BTCUSD) | -28.8% | 43.6% | -0.66 | 3.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with UPBD | |
|---|---|---|---|---|
| UPBD | -11.9% | 49.0% | -0.09 | - |
| Sector ETF (XLY) | 4.5% | 24.1% | 0.14 | 49.1% |
| Equity (SPY) | 12.0% | 17.1% | 0.52 | 43.4% |
| Gold (GLD) | 16.5% | 19.0% | 0.69 | -2.9% |
| Commodities (DBC) | 8.4% | 19.6% | 0.31 | 1.1% |
| Real Estate (VNQ) | 1.1% | 18.9% | -0.05 | 39.3% |
| Bitcoin (BTCUSD) | 4.1% | 51.6% | 0.26 | 17.4% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with UPBD | |
|---|---|---|---|---|
| UPBD | 13.7% | 48.3% | 0.45 | - |
| Sector ETF (XLY) | 12.6% | 22.2% | 0.52 | 46.8% |
| Equity (SPY) | 15.2% | 17.9% | 0.72 | 43.6% |
| Gold (GLD) | 11.6% | 16.5% | 0.57 | -0.3% |
| Commodities (DBC) | 7.8% | 18.1% | 0.34 | 9.7% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.22 | 40.0% |
| Bitcoin (BTCUSD) | 61.7% | 66.3% | 1.01 | 12.9% |
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Returns Analyses
Earnings Returns History
Updated 11/3/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/29/2026 | 18.2% | ||
| 7/30/2026 | -4.0% | -4.0% | -7.9% |
| 4/30/2026 | 4.3% | 0.4% | 1.4% |
| 2/19/2026 | 6.3% | 3.2% | -17.5% |
| 10/30/2025 | -16.3% | -14.1% | -21.8% |
| 7/31/2025 | -15.3% | -10.7% | 6.2% |
| 5/1/2025 | 19.1% | 16.3% | 15.3% |
| 2/20/2025 | -5.0% | -6.6% | -15.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 13 | 13 |
| # Negative | 11 | 10 | 10 |
| Median Positive | 5.9% | 4.3% | 8.5% |
| Median Negative | -4.8% | -6.0% | -13.8% |
| Max Positive | 19.1% | 25.9% | 27.0% |
| Max Negative | -16.4% | -19.9% | -25.4% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/29/2026 | 18.2% | ||
| 7/30/2026 | -4.0% | -4.0% | -7.9% |
| 4/30/2026 | 4.3% | 0.4% | 1.4% |
| 2/19/2026 | 6.3% | 3.2% | -17.5% |
| 10/30/2025 | -16.3% | -14.1% | -21.8% |
| 7/31/2025 | -15.3% | -10.7% | 6.2% |
| 5/1/2025 | 19.1% | 16.3% | 15.3% |
| 2/20/2025 | -5.0% | -6.6% | -15.4% |
| 10/31/2024 | 8.0% | 25.9% | 27.0% |
| 8/1/2024 | -6.8% | -15.8% | -11.6% |
| 5/2/2024 | -3.9% | 2.9% | 3.8% |
| 2/22/2024 | 5.7% | 4.3% | 6.6% |
| 11/2/2023 | 5.9% | 10.7% | 15.1% |
| 8/3/2023 | -4.8% | -4.2% | -10.0% |
| 5/4/2023 | 10.2% | 14.9% | 22.8% |
| 2/23/2023 | -1.1% | -0.5% | -15.5% |
| 11/2/2022 | 7.9% | 3.8% | 19.9% |
| 8/4/2022 | -1.3% | 4.1% | -12.1% |
| 5/4/2022 | 4.2% | -1.7% | -3.4% |
| 2/24/2022 | -16.4% | -19.9% | -25.4% |
| 11/4/2021 | -3.7% | 2.3% | 4.6% |
| 8/5/2021 | 1.9% | 13.7% | 12.6% |
| 5/6/2021 | 2.0% | -5.4% | 8.5% |
| 2/24/2021 | 0.6% | 6.2% | 6.1% |
| SUMMARY STATS | |||
| # Positive | 13 | 13 | 13 |
| # Negative | 11 | 10 | 10 |
| Median Positive | 5.9% | 4.3% | 8.5% |
| Median Negative | -4.8% | -6.0% | -13.8% |
| Max Positive | 19.1% | 25.9% | 27.0% |
| Max Negative | -16.4% | -19.9% | -25.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2026 | 10/30/2026 | 10-Q |
| 06/30/2026 | 07/31/2026 | 10-Q |
| 03/31/2026 | 05/01/2026 | 10-Q |
| 12/31/2025 | 02/23/2026 | 10-K |
| 09/30/2025 | 10/31/2025 | 10-Q |
| 06/30/2025 | 07/31/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 02/25/2025 | 10-K |
| 09/30/2024 | 10/31/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/27/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2026 | 10/30/2026 | 10-Q |
| 06/30/2026 | 07/31/2026 | 10-Q |
| 03/31/2026 | 05/01/2026 | 10-Q |
| 12/31/2025 | 02/23/2026 | 10-K |
| 09/30/2025 | 10/31/2025 | 10-Q |
| 06/30/2025 | 07/31/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 02/25/2025 | 10-K |
| 09/30/2024 | 10/31/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/27/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 02/28/2022 | 10-K |
| 09/30/2021 | 11/05/2021 | 10-Q |
| 06/30/2021 | 08/06/2021 | 10-Q |
| 03/31/2021 | 05/07/2021 | 10-Q |
| 12/31/2020 | 03/01/2021 | 10-K |
| 09/30/2020 | 10/30/2020 | 10-Q |
| 06/30/2020 | 08/06/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/02/2020 | 10-K |
Recent Forward Guidance
Updated 11/2/2026Latest: Q3 2026 Earnings Reported 10/29/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q4 2026 Consolidated Revenue | Reported | 1.15 Bil | 1.20 Bil | 1.25 Bil | 9.1% | Higher New | Guidance: 1.10 Bil for Q3 2026 | |
| Q4 2026 Adjusted EBITDA | Reported | 125.00 Mil | 130.00 Mil | 135.00 Mil | 18.2% | Higher New | Guidance: 110.00 Mil for Q3 2026 | |
| Q4 2026 Non-GAAP Diluted EPS | Reported | 1 | 1.05 | 1.1 | 16.7% | Higher New | Guidance: 0.9 for Q3 2026 | |
| 2026 Consolidated Revenue | Reported | 4.68 Bil | 4.73 Bil | 4.78 Bil | -0.9% | Lowered | Guidance: 4.78 Bil for 2026 | |
| 2026 Adjusted EBITDA | Reported | 510.00 Mil | 517.50 Mil | 525.00 Mil | 0.0% | Affirmed | Guidance: 517.50 Mil for 2026 | |
| 2026 Non-GAAP Diluted EPS | Reported | 4.15 | 4.23 | 4.3 | 1.2% | Raised | Guidance: 4.18 for 2026 | |
Prior: Q2 2026 Earnings Reported 7/30/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q3 2026 Revenue | Reported | 1.05 Bil | 1.10 Bil | 1.15 Bil | ||||
| Q3 2026 Adjusted EBITDA | Reported | 105.00 Mil | 110.00 Mil | 115.00 Mil | ||||
| Q3 2026 Non-GAAP Diluted EPS | Reported | 0.85 | 0.9 | 0.95 | ||||
| 2026 Revenue | Reported | 4.70 Bil | 4.78 Bil | 4.85 Bil | -1.0% | Lowered | Guidance: 4.83 Bil for 2026 | |
| 2026 Adjusted EBITDA | Reported | 500.00 Mil | 517.50 Mil | 535.00 Mil | 0 | Affirmed | Guidance: 517.50 Mil for 2026 | |
| 2026 Non-GAAP Diluted EPS | Reported | 4 | 4.18 | 4.35 | 0 | Affirmed | Guidance: 4.18 for 2026 | |
Q1 2026 Earnings Reported 4/30/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Revenue | Reported | 1.10 Bil | 1.15 Bil | 1.20 Bil | ||||
| Q2 2026 Adjusted EBITDA | Reported | 120.00 Mil | 125.00 Mil | 130.00 Mil | ||||
| Q2 2026 Non-GAAP Diluted EPS | Reported | 1 | 1.05 | 1.1 | ||||
| 2026 Revenue | Reported | 4.70 Bil | 4.83 Bil | 4.95 Bil | 0.0% | Affirmed | Guidance: 4.83 Bil for 2026 | |
| 2026 Adjusted EBITDA | Reported | 500.00 Mil | 517.50 Mil | 535.00 Mil | 0.0% | Affirmed | Guidance: 517.50 Mil for 2026 | |
| 2026 Non-GAAP Diluted EPS | Reported | 4 | 4.18 | 4.35 | 0.0% | Affirmed | Guidance: 4.18 for 2026 | |
Q4 2025 Earnings Reported 2/19/2026
| Forward Guidance | Guidance Change | |||||||
|---|---|---|---|---|---|---|---|---|
| Metric | Source | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue | Reported | 4.70 Bil | 4.83 Bil | 4.95 Bil | ||||
| 2026 Adjusted EBITDA | Reported | 500.00 Mil | 517.50 Mil | 535.00 Mil | ||||
| 2026 Non-GAAP Diluted EPS | Reported | 4 | 4.18 | 4.35 | 1.8% | Higher New | Guidance: 4.1 for 2025 | |
Insider Activity
Updated 10/29/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 10292026 | 17.01 | 547 | 9,304 | 415,044 | Form | |
| 2 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 10292026 | 17.01 | 2,217 | 37,711 | 1,682,255 | Form | |
| 3 | Blasquez, Anthony J | EVP-RAC | Direct | Sell | 8262026 | 18.85 | 10,000 | 188,500 | 824,065 | Form |
| 4 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 7092026 | 20.09 | 454 | 9,121 | 479,207 | Form | |
| 5 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 7092026 | 20.09 | 1,841 | 36,986 | 1,942,321 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 10292026 | 17.01 | 547 | 9,304 | 415,044 | Form | |
| 2 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 10292026 | 17.01 | 2,217 | 37,711 | 1,682,255 | Form | |
| 3 | Blasquez, Anthony J | EVP-RAC | Direct | Sell | 8262026 | 18.85 | 10,000 | 188,500 | 824,065 | Form |
| 4 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 7092026 | 20.09 | 454 | 9,121 | 479,207 | Form | |
| 5 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 7092026 | 20.09 | 1,841 | 36,986 | 1,942,321 | Form | |
| 6 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 4302026 | 19.41 | 461 | 8,948 | 454,175 | Form | |
| 7 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 4302026 | 19.41 | 1,868 | 36,258 | 1,840,844 | Form | |
| 8 | Brown, Jeffrey J | by the Jeffrey J Brown Living Trust | Buy | 10232025 | 22.27 | 386 | 8,596 | 499,806 | Form | |
| 9 | Brown, Jeffrey J | by Brown Equity Partners, LLC | Buy | 10232025 | 22.27 | 1,565 | 34,853 | 2,025,791 | Form |
Industry Resources
| Consumer Discretionary Resources |
| Retail Dive |
| Business of Fashion (BoF) |
| WWD (Women's Wear Daily) |
| National Retail Federation (NRF) |
| McKinsey & Company - Consumer |
| Mintel Consumer Trends |
| Computer & Electronics Retail Resources |
| Dealerscope |
| Channel Daily News |
| Twice |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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