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Upbound Group, Inc.: Business Overview, Financials & Competitive Analysis

Upbound Group, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Established financial services platform with steady cash generation targeting underserved consumers through integrated digital and retail channels. 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.

What is Upbound Group, Inc.'s industry? Upbound Group, Inc. (upbound.com) operates in Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness. AskCyborg classifies Upbound Group, Inc. under Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness in its company registry.

Upbound Group is a technology and data-driven leader in accessible and inclusive financial solutions for underserved consumers, operating industry-leading brands including Acima®, Brigit™, and Rent-A-Center® across ov...

6/ 10Solid

Cyborg Score thesis

Established financial services platform with steady cash generation targeting underserved consumers through integrated digital...

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Industry Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness
3 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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Upbound Group, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Upbound Group, Inc. Overview

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Upbound Group is a technology and data-driven leader in accessible and inclusive financial solutions for underserved consumers, operating industry-leading brands including Acima®, Brigit™, and Rent-A-Center® across over 2,300 retail units in the US, Mexico, and Puerto Rico. The company reported full-year 2025 revenue of $4.7B with 8.7% growth and provides conservative 2026 guidance.

Strategic Profile

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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.

Competitive Landscape

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Upbound operates through established brands including Acima (virtual lease-to-own), Brigit (financial wellness), and Rent-A-Center (physical retail leasing). The company competes in the consumer finance and lease-to-own space against traditional and fintech competitors targeting subprime and underserved segments.

Industry Context

Upbound Group, Inc. operates in Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness.

Key facts

Headquarters: Plano, Texas · Revenue: $4.7B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Upbound Group, Inc..

  • 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
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Company reported 2025 revenue growth of 8.7% to $4.7B and strengthened cash flow
  • February 2026Introduced 2026 guidance for revenue of $4.7-$4.95B and non-GAAP diluted EPS of $4.00-$4.35
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Lease-to-Own RetailTraditional lease-to-own competitor→Buy Now Pay LaterDigital financial solutions for consumers→Financial WellnessEarned wage access and financial services→

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Industry context

Upbound Group, Inc. operates in Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness. See how the rest of the sector scores on the Cyborg framework.

Browse Financial Services - Consumer Finance, Lease-to-Own, and Financial Wellness research →
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How AskCyborg research is made

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AI-generated research summary based on public sources; it may contain errors or omissions. Not investment advice. Not reviewed or endorsed by the companies covered. Report an error: legal@askcyborg.com · Terms of Service

Frequently asked questions

What does Upbound Group, Inc. do?+
Upbound Group is a technology and data-driven leader in accessible and inclusive financial solutions for underserved consumers, operating industry-leading brands including Acima®, Brigit™, and Rent-A-Center® across ov...
What is Upbound Group, Inc.'s Cyborg Score?+
Upbound Group, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Upbound Group, Inc.'s main competitors?+
Named competitors include Lease-to-Own Retail, Buy Now Pay Later, Financial Wellness. The full competitive landscape is in the AskCyborg report.
How can I get the full Upbound Group, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Upbound Group, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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