Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness
Strategic Profile
Growth is powered by the Acima virtual lease-to-own business and Brigit, partly offset by lower Rent-A-Center revenue. The company is integrating its Brigit acquisition and expanding Acima-driven financial solutions, highlighting a focus on broader financial wellness offerings for underserved consumers.
Cyborg Score Rationale
Upbound achieved 8.7% revenue growth to $4.7B, improved cash flow by over $100M year-over-year, and stabilized the Rent-A-Center business. However, 2026 guidance of $4.7-$4.95B revenue represents modest growth with adjusted EBITDA of $500-$535M, indicating moderate momentum.
Top Insights
Brigit generated $65M revenue with 1.6M paying subscribers and 10% year-over-year ARPU growth
Rent-A-Center same-store sales grew 0.8% year-over-year with a 10 basis point reduction in lease charge-off rate
Free cash flow reached $180.5M in 2025
Board approved quarterly dividend of $0.39 for Q1 2026
Named Competitors
Lease-to-Own Retail — Traditional lease-to-own competitor
Buy Now Pay Later — Digital financial solutions for consumers
Financial Wellness — Earned wage access and financial services
Recent Developments
(February 2026) Company reported 2025 revenue growth of 8.7% to $4.7B and strengthened cash flow
(February 2026) Introduced 2026 guidance for revenue of $4.7-$4.95B and non-GAAP diluted EPS of $4.00-$4.35
(November 2025) Hal Khouri appointed as Executive Vice President and Chief Financial Officer
(January 2026) CEO Fahmi Karam and CFO Hal Khouri participated in ICR Conference
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