24.68
+1.82%
Close of 9 Nov 2026, in USD
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About Upbound Group
From its filings with the US Securities and Exchange Commission
Upbound Group is based in Plano, Texas and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker UPBD. The SEC classifies its business as equipment rental & leasing, nec. In the fiscal year to 31 December 2025, it reported revenue of $4.70bn and net income of $73.2m. At that date it held total assets of $3.28bn and shareholders' equity of $695.7m.
We are a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. Through our Acima and Rent-A-Center segments, we are a leading lease-to-own provider with operations in the United States, Puerto Rico and Mexico. We provide a critical service for underserved consumers by providing them with access to, and the opportunity to obtain ownership of, high-quality, name brand durable products under a flexible lease-purchase agreement with no long-term debt obligation. Our Acima segment offers lease-to-own solutions through retailers in stores and online enabling such retailers to grow sales by expanding their customer base utilizing our differentiated offering and allowing customers to access our flexible lease-to-own solutions at thousands of retailers and to lease a wide range of durable products. Through our Rent-A-Center segment, we provide a fully integrated customer experience through our e-commerce platform and brick and mortar presence.
The lease purchase transaction is a flexible alternative that provides freedom for consumers who wish to obtain use and enjoyment of brand name merchandise with no long-term obligation and without having to pay the full price up front. Our customer has the right, but is not obligated, to acquire title to the merchandise either through an early purchase option or through payment of all lease renewals that would be required to obtain ownership.
Quoted from its 10-K, filed 23 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Consumer Discretionary
- Industry
- Specialty Retail
- Listed since
- 21 Nov 1983
- Employees
- 12,050
- Website
- rentacenter.com ↗
- Head office
- 5501 HEADQUARTERS DRIVE, PLANO, TX, 75024
- Incorporated in
- DE
- Classification
- Services-Equipment Rental & Leasing, NEC
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Jeffrey BrownIndependent Chairman of the Board$700,025
- Mr. Fahmi KaramChief Executive Officer, Director, since 2022$3.1m
- Mr. Transient TaylorChief Human Resources Officer, Executive Vice President, Chief Diversity Officer$1.2m
- Mr. Bryan PecherskyExecutive Vice President, General Counsel, Corporate Secretary$1.0m
- Mr. Anthony BlasquezExecutive Vice President - Rent-A-Center$1.7m
- Mr. Tyler MontroneExecutive Vice President - Acima$1.7m
- Ms. Rebecca WootersChief Growth Officer
- Ms. Charu JainIndependent Director$51,790
- Ms. Molly LangensteinIndependent Director$219,160
- Mr. Harold LewisIndependent Director$285,481
- Mr. Glenn MarinoIndependent Director$356,574
- Ms. Carol McfateIndependent Director$316,940
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 49
- Environment
- 17
- Social
- 50
- Governance
- 80
- Direct emissions (scope 1)
- 58,951.6 t
- Energy emissions (scope 2)
- 40,234.9 t
- Women in the workforce
- 30%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Rent-A-Center Inc has a strong brand presence and recognition in the rental services industry. With a well-established network of stores, it has a wide customer base and strong customer loyalty.
- The company offers a diverse range of products for rent, including furniture, appliances, electronics, and computers. This broad product selection allows Rent-A-Center to cater to various customer needs and preferences.
- Rent-A-Center provides flexible rent-to-own options, which attract customers who may not have the immediate means to purchase expensive items outright. This flexibility and affordability give the company a competitive edge.
Weaknesses
- Rent-A-Center Inc heavily relies on physical stores for its operations, which may limit its reach and accessibility compared to online rental platforms. This dependence on brick-and-mortar locations may also result in higher operational costs.
- The company's rental contracts typically involve higher overall costs compared to outright purchases. This may deter price-sensitive customers who prefer more affordable alternatives.
- Rent-A-Center's customer base is primarily composed of lower-income individuals, which makes the company vulnerable to economic downturns. During times of financial instability, customers may reduce discretionary spending, impacting Rent-A-Center's revenue.
Opportunities
- The growing trend of the sharing economy presents an opportunity for Rent-A-Center to expand its services and tap into new markets. By partnering with other sharing economy platforms or introducing peer-to-peer rental options, the company can cater to changing consumer preferences.
- Rent-A-Center can leverage technology to enhance its customer experience. Investing in advanced online platforms, mobile apps, and digital marketing strategies can attract tech-savvy customers and improve overall efficiency.
- Expanding into international markets can provide Rent-A-Center with new growth opportunities. By adapting its rental model to suit different regions and cultures, the company can broaden its customer base and increase revenue.
Threats
- Increased competition from online rental platforms poses a threat to Rent-A-Center. With the ease of online shopping and availability of cheaper alternatives, customers may opt for other rental options, reducing demand for the company's services.
- Changes in consumer behavior and preferences may impact Rent-A-Center's business model. If customers increasingly prioritize ownership or opt for subscription-based services, the company may face challenges in adapting to these shifting trends.
- Rent-A-Center operates in a heavily regulated industry, and changes in rental laws and regulations can impact its operations. Compliance with evolving legal requirements may result in additional costs and operational complexities.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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