Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was incorporated in 1986 and is based in Plano, Texas.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $4.7B | $1.7B | $73M | $239M | 10.5% | 8.7% | -40.7% |
| 2024 | $4.3B | $1.7B | $123M | $48M | 19.6% | 8.2% | -2484.2% |
| 2023 | $4.0B | $1.5B | $-5M | $147M | -0.9% | -6.0% | -141.9% |
| 2022 | $4.2B | $1.5B | $12M | $407M | 2.4% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 4,245.39 | 3,992.41 | 4,320.56 | 4,695.06 |
| Cost Of Revenue | - | 2,165.86 | 1,970.16 | 2,240.21 | 2,423.35 |
| Gross Profit | - | 2,079.53 | 2,022.26 | 2,080.35 | 2,271.71 |
| Operating Expense | - | 1,930.99 | 1,859.39 | 1,788.72 | 2,048.36 |
| Operating Income | - | 148.54 | 162.86 | 291.63 | 223.35 |
| EBITDA | - | 1,512.19 | 1,460.34 | 1,709.07 | 1,735.85 |
| EBIT | - | 149.18 | 166.28 | 288.13 | 221.07 |
| Pretax Income | - | 61.47 | 52.87 | 177.54 | 108.09 |
| Tax Provision | - | 49.11 | 58.05 | 54.06 | 34.85 |
| Net Income | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income Common Stockholders | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Total Expenses | - | 4,096.85 | 3,829.55 | 4,028.93 | 4,471.71 |
| Interest Expense | - | 87.71 | 113.42 | 110.58 | 112.98 |
| Interest Income | - | 0.64 | 3.42 | 3.10 | 2.62 |
| Selling General And Administration | - | 820.81 | 815.24 | 821.62 | 834.26 |
| Normalized EBITDA | - | 1,512.19 | 1,460.34 | 1,709.07 | 1,735.85 |
| Normalized Income | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Market Cap | 1,153.61 | 1,153.61 | 1,153.61 | 1,153.61 | 1,153.61 |
Technology sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Upbound Group, Inc.this co. | UPBD | $1.1B | 15.75β discount | 1.66 | 10.5% | 1.66 |
| Sprinklr, Inc. | CXM | $1.3B | 54.54 | 2.11 | 3.9% | 14.89 |
| Allient Inc. | ALNT | $1.3B | 56.00 | 4.15 | - | 19.25 |
| Arteris, Inc. | AIP | $1.2B | - | -81.66 | 237.5% | -39.66 |
| Shoals Technologies Group, Inc. | SHLS | $1.2B | 36.70 |
| - |
| - |
| - |
| - |
| - |
| 2.05 |
| 5.6% |
| 15.82 |
| Progress Software Corporation | PRGS | $1.2B | 15.67 | 2.40 | 15.3% | 8.16 |
| Array Technologies, Inc. | ARRY | $1.1B | - | -5.54 | -20.1% | 14.84 |
| Rezolve AI PLC | RZLV | $981M | - | 3.35 | -41.1% | -10.09 |
| Amplitude, Inc. | AMPL | $952M | - | 3.92 | -36.1% | -8.40 |
| Peer Median | - | 45.62 | 2.25 | 3.9% | 11.50 | |