Upbound Group (UPBD)
Runs lease-to-own channels and app-based financial-health tools for underserved consumers.
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Operates Acima merchant lease-to-own, Rent-A-Center stores and e-commerce, Brigit financial-health apps, and Mexico stores. Most activity is tied to US and Puerto Rico lease-to-own channels, with Mexico stores and Brigit adding adjacent consumer-finance exposure.
Organizes the former Rent-A-Center public company around Acima, Rent-A-Center, Brigit, and Mexico. Acima embeds lease-to-own at third-party retailers and digital channels, while Rent-A-Center serves shoppers through stores, franchising, and e-commerce.
Reaches consumers mainly in the United States and Puerto Rico, with a smaller Mexico store base. Brigit adds mobile and web tools such as earned-wage access, credit building, identity protection, and financial-health subscriptions.
Execution depends on approval data, merchandise recovery, store and retailer workflows, and technology that keeps applications and servicing simple. Lease-to-own contracts are governed by state rental-purchase rules, while Brigit operates under consumer-finance, bank-partner, and FTC settlement obligations.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 31, 2026 | BTIG | Downgrade | Target: $45 | Target: $28 |
| Sep 15, 2025 | Loop Capital | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $105.3M · Total debt $1.71B · Total assets $3.10B · Shareholders' equity $733.4M
- Revenue
- $1.16B
- Operating income
- $54.3M
- Net income
- $21.6M
HistoryDividendAnnual yield
| Institutions | ≈ 100.40% | 58.53M shares | |
|---|---|---|---|
| 265 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 9.97% | 5.81M shares | |
| 12 holders · as of Sep 2, 2026 | |||
| Adds to | 110.37% | ||
58.30M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 110.37%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 15.70% | 9.15M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 7.26% | 4.23M | as of Jun 30, 2026 |
Allred Aaron RInsider | 7.03% | 4.10M | filed Oct 22, 2025 |
FMR LLCInstitution | 5.68% | 3.31M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.71% | 2.74M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 21, 2026 | Anthony J. Blasquez | officer: EVP-RAC | −10,000 | $18.85 |
| Jul 7, 2026 | Jeffrey J. Brown | director | +2,295 | $20.09 |
| Apr 28, 2026 | Jeffrey J. Brown | director | +2,329 | $19.41 |
| Jan 6, 2026 | Jeffrey J. Brown | director | +2,502 | $17.68 |
| Oct 21, 2025 | Jeffrey J. Brown | director | +1,951 | $22.27 |
- PROG
Closest scaled public peer in point-of-sale lease-to-own
- FirstCash
AFF adds scale in no-credit-required retail POS finance
- Affirm
Large BNPL lender competing for checkout placement
- Katapult
Digital nonprime LTO peer focused on e-commerce merchants
- OneMain
Nonprime lender substituting credit for LTO access
- Klarna
Global flexible-payments network competing at checkout
- Best Buy
Retail alternative for electronics and appliance purchases
- Dave
Cash-advance neobank overlapping Brigit financial health
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Upbound Group | $16.78 | −0.65% | $984.6M | 11.0 | 3.8 | 0.2 | +0.5% |
| PROG | $33.88 | −2.81% | $1.39B | 9.7 | 6.8 | 0.6 | +19.0% |
| FirstCash | $217.40 | +0.59% | $9.37B | 24.7 | 18.0 | 2.3 | +29.4% |
| Affirm | $72.31 | +1.77% | $23.79B | 12.9 | 37.8 | 5.7 | +33.0% |
| Katapult | $8.19 | −7.14% | $42.0M | 5.9 | — | 0.1 | +4.0% |
| OneMain | $59.48 | −1.59% | $6.98B | 9.1 | 7.6 | 1.1 | −15.5% |
| Klarna | $13.95 | +1.97% | $5.16B | — | 106.7 | 1.3 | +26.6% |
| Best Buy | $94.57 | +1.45% | $19.65B | 15.5 | 13.5 | 0.5 | +3.6% |
| Dave | $346.85 | −1.08% | $4.71B | 22.7 | 19.0 | 7.3 | +29.7% |
| Median | 12.9 | 18.0 | 1.2 | +22.8% |