Upbound Group(NASDAQ) RCII

Upbound helps people get home goods and electronics without needing a high credit score. It lets customers lease items like furniture and appliances through flexible payment plans. The company also offers digital tools to help people manage their money.

Ways to Pay and Play

• Rent-A-Center: Physical stores and online platforms for leasing furniture, appliances, and electronics through flexible agreements; includes franchising operations.
• Acima: Virtual leasing technology and staffed kiosks located inside thousands of third-party retail stores and e-commerce sites.
• Brigit: Digital financial health tools providing earned wage access, credit building, and identity theft protection for underserved consumers.
• Mexico: Retail locations offering lease-to-own durable goods and appliances specifically tailored for the Mexican market.

Building a Digital Future

• Acquired Acima Holdings in February 2021 to expand virtual lease-to-own options through third-party retail partnerships.
• Purchased Bridge IT, known as Brigit, on January 31, 2025, to add financial health technology to its portfolio.
• Changed the corporate name to Upbound Group in February 2023 to reflect a broader focus on technology-driven financial solutions.
• Combined the Franchising segment into the Rent-A-Center segment on January 1, 2025, to simplify its organizational structure.

Decisions Powered by Data

Upbound uses proprietary algorithms to approve customers who lack traditional credit histories for lease-to-own agreements. This data-driven approach allows the company to serve subprime consumers across both physical and digital retail channels.

Tracking the Numbers

• Revenue reached $1.2 billion in Q4 2025, up 10.9% from the previous year.
• Net income hit $19.7 million in Q4 2025, down 36.3% year-over-year.
• Operating cash flow turned positive to $41.6 million in Q4 2025, up from negative $61.9 million in Q4 2024.
• Free cash flow reached $90.9 million in Q4 2025, an improvement from negative $17.8 million in the prior year.

Bottom Line

Upbound has evolved from a traditional store-based rental business into a diversified financial technology platform. By integrating digital leasing and credit-building tools, it has expanded its reach to underserved consumers across North America.