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 |
| Operating Revenue | - | 4,240.42 | 3,962.13 | 4,287.40 | 4,662.31 |
| 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 |
| Selling General And Administration | - | 820.81 | 815.24 | 821.62 | 834.26 |
| Total Expenses | - | 4,096.85 | 3,829.55 | 4,028.93 | 4,471.71 |
| Operating Income | - | 148.54 | 162.86 | 291.63 | 223.35 |
| Total Operating Income As Reported | - | 148.54 | 162.86 | 291.63 | 223.35 |
| EBITDA | - | 1,512.19 | 1,460.34 | 1,709.07 | 1,735.85 |
| Normalized EBITDA | - | 1,512.19 | 1,460.34 | 1,709.07 | 1,735.85 |
| EBIT | - | 149.18 | 166.28 | 288.13 | 221.07 |
| Interest Income | - | 0.64 | 3.42 | 3.10 | 2.62 |
| Interest Expense | - | 87.71 | 113.42 | 110.58 | 112.98 |
| Net Interest Income | - | -87.07 | -110 | -114.09 | -115.26 |
| Interest Income Non Operating | - | 0.64 | 3.42 | 3.10 | 2.62 |
| Interest Expense Non Operating | - | 87.71 | 113.42 | 110.58 | 112.98 |
| Net Non Operating Interest Income Expense | - | -87.07 | -110 | -114.09 | -115.26 |
| Pretax Income | - | 61.47 | 52.87 | 177.54 | 108.09 |
| Tax Provision | - | 49.11 | 58.05 | 54.06 | 34.85 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income From Continuing And Discontinued Operation | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income From Continuing Operation Net Minority Interest | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income Common Stockholders | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Net Income Including Noncontrolling Interests | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Normalized Income | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Diluted NI Availto Com Stockholders | - | 12.36 | -5.18 | 123.48 | 73.24 |
| Basic Average Shares | - | 53.85 | 54.98 | 54.65 | 56.48 |
| Diluted Average Shares | - | 58.97 | 54.98 | 54.65 | 58.61 |
| Reconciled Depreciation | - | 1,363.01 | 1,294.05 | 1,420.95 | 1,514.78 |
| Reconciled Cost Of Revenue | - | 855.93 | 727.42 | 870.15 | 960.53 |
| Depreciation Amortization Depletion Income Statement | - | 53.08 | 51.32 | 50.89 | 51.96 |
| Depreciation And Amortization In Income Statement | - | 53.08 | 51.32 | 50.89 | 51.96 |
| General And Administrative Expense | - | 820.81 | 815.24 | 821.62 | 834.26 |
| Other Gand A | - | 186.47 | 201.71 | 212.45 | 231.96 |
| Salaries And Wages | - | 634.34 | 613.54 | 609.17 | 602.30 |
| Total Other Finance Cost | 15.58 | - | - | 6.60 | 4.89 |
| Other Operating Expenses | - | 1,057.10 | 992.83 | 916.22 | 1,162.14 |
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 | 14.49 | 1.52 | 10.5% | 1.61 |
| Digital Turbine, Inc. | APPS | $1.1B | -29.80 | 5.86 | -19.6% | 13.80 |
| WhiteFiber, Inc. | WYFI | $1.1B | - | 21.36 | -5.1% | - |
| Corsair Gaming, Inc. | CRSR | $1.1B | -65.61 | 1.67 | -2.6% | 22.45 |
| Amplitude, Inc. | AMPL | $1.0B | - |
| - |
| - |
| - |
| - |
| - |
| 4.19 |
| -36.1% |
| - |
| indie Semiconductor, Inc. | INDI | $1.0B | -7.09 | 2.83 | -40.0% | -13.15 |
| Rezolve AI PLC | RZLV | $1.0B | -9.87 | 4.06 | -41.1% | -9.64 |
| NCR Voyix Corporation | VYX | $978M | 15.78 | 1.03 | 6.5% | 7.97 |
| ScanSource, Inc. | SCSC | $964M | 13.48 | 1.06 | 7.9% | 7.43 |
| Peer Median | - | -8.48 | 3.44 | -12.4% | 7.70 | |