UPBOUND GROUP INC (UPBD)
Consumer Discretionary · Lease-to-own retail and consumer finance · NASDAQ
Technology-enabled lease-to-own platform serving underserved consumers through direct and third-party retailer channels, augmented with financial health and earned wage access services.
What UPBOUND GROUP INC does
Upbound Group operates a technology-enabled lease-to-own platform serving underserved consumers in the United States, Puerto Rico, and Mexico. The company provides access to brand-name durable products through flexible lease-purchase agreements via two main segments: Acima (a virtual lease-to-own solution distributed through third-party retailers) and Rent-A-Center (a direct brick-and-mortar and e-commerce platform). Following its January 2025 acquisition of Brigit, the company also offers financial health technology and earned wage access solutions to complement its core lease-to-own business.
Themes: ["Lease-to-own / consumer rental","Fintech / financial inclusion","Underserved consumer lending","Earned wage access","Credit building","E-commerce and omnichannel retail"]
Fundamentals
- Price$20.32 as of 2026-07-09 close
- Market cap$1.2B as of 2026-07-10
- 1-year return-22.9% as of 2026-07-09 close
- P/E13.82 as of 2026-07-10
- Net margin+1.8% as of 2026-07-10
- Gross margin+48.7% as of 2026-07-10
- ROE+12.1% as of 2026-07-10
- Debt / equity2.01 as of 2026-07-10
- Revenue growth (YoY)+7.7% as of 2026-07-10
- Revenue CAGR (3y)+3.4% SEC XBRL
- Beta1.80 as of 2026-07-10
Dividend: yield +7.7%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Dependence on underserved consumer market that may be highly sensitive to economic downturns, inflation, and unemployment","Regulatory risk related to lease-to-own and earned wage access products in the consumer finance space","Integration execution risk from the January 2025 acquisition of Brigit and integration of financial technology into core business"]
Competitors & peers
- Aaron's (AAN)
- Rent-A-Wheel
- Affirm Holdings (AFRM)
- Klarna
- Salary Finance
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.