0001628280-26-029049 | 10-Q | XBRL Viewer

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Segment Information (Details) $ in Thousands	3 Months Ended
Segment Information (Details) $ in Thousands	Mar. 31, 2026 USD ($) store	Mar. 31, 2025 USD ($)	Dec. 31, 2025 USD ($)
Segment Reporting [Line Items]
Number of Reportable Segments \| store	4
Total revenues	$ 1,219,729	$ 1,176,363
Cost of Revenue	633,267	626,234
Gross profit	586,462	550,129
Operating labor	149,110	149,167
Non-labor operating expenses	250,262	219,011
Depreciation and amortization	14,139	12,252
Operating profit	77,438	62,615
Interest Expense	26,881	27,798
Interest income	(714)	(694)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	51,271	35,511
Capital expenditures	15,964	10,576
On rent	1,099,059		$ 1,202,282
Held for rent	127,657		114,525
Assets	3,128,117		3,276,081
Acima
Segment Reporting [Line Items]
Total revenues	648,690	637,287
Lease Charge Off	57,300	56,700
Rent-A-Center
Segment Reporting [Line Items]
Total revenues	481,605	489,025
Lease Charge Off	21,000	20,400
Brigit
Segment Reporting [Line Items]
Total revenues	67,670	31,861
Lease Charge Off	13,900	5,000
Mexico
Segment Reporting [Line Items]
Total revenues	21,764	18,190
Operating segments [Member]
Segment Reporting [Line Items]
Depreciation and amortization	6,073	6,229
Segment Reporting, Other Segment Item, Amount	23,004	25,547
Operating profit	158,013	150,175
Capital expenditures	2,629	3,493
Assets	2,652,908		2,789,898
Operating segments [Member] \| Acima
Segment Reporting [Line Items]
Total revenues	648,690	637,287
Cost of Revenue	454,590	450,836
Gross profit	194,100	186,451
Operating labor	23,431	23,990
Non-labor operating expenses	81,397	76,902
Depreciation and amortization	404	354
Segment Reporting, Other Segment Item, Amount	11,602	11,497
Operating profit	77,266	73,708
Capital expenditures	0	312
On rent	622,975		710,844
Held for rent	177		164
Assets	1,176,473		1,280,771
Operating segments [Member] \| Rent-A-Center
Segment Reporting [Line Items]
Total revenues	481,605	489,025
Cost of Revenue	164,406	166,199
Gross profit	317,199	322,826
Operating labor	118,930	120,198
Non-labor operating expenses	127,832	122,381
Depreciation and amortization	5,010	5,427
Segment Reporting, Other Segment Item, Amount	3,151	8,405
Operating profit	62,276	66,415
Capital expenditures	1,428	2,491
On rent	450,794		465,076
Held for rent	114,965		100,893
Assets	991,575		1,016,293
Operating segments [Member] \| Brigit
Segment Reporting [Line Items]
Total revenues	67,670	31,861
Cost of Revenue	7,748	4,006
Gross profit	59,922	27,855
Operating labor	1,260	716
Non-labor operating expenses	33,977	14,446
Depreciation and amortization	26	11
Segment Reporting, Other Segment Item, Amount	6,096	3,853
Operating profit	18,563	8,829
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest
Capital expenditures	41	46
Assets	426,374		430,232
Operating segments [Member] \| Mexico
Segment Reporting [Line Items]
Total revenues	21,764	18,190
Cost of Revenue	6,523	5,193
Gross profit	15,241	12,997
Operating labor	5,489	4,263
Non-labor operating expenses	7,056	5,282
Depreciation and amortization	633	437
Segment Reporting, Other Segment Item, Amount	2,155	1,792
Operating profit	(92)	1,223
Capital expenditures	1,160	644
On rent	25,290		26,362
Held for rent	12,515		13,468
Assets	58,486		62,602
Corporate, non-segment [Member]
Segment Reporting [Line Items]
Operating profit	(80,575)	(87,560)
Capital expenditures	13,335	$ 7,083
Assets	$ 475,209		$ 486,183

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities
Net earnings	$ 35,789	$ 24,793
Adjustments to reconcile net earnings to net cash provided by operating activities
Depreciation of rental merchandise	343,479	338,061
Bad debt expense	21,949	14,837
Stock-based compensation expense	11,625	13,279
Depreciation of property assets	20,151	17,518
Loss on sale or disposal of property assets	1,216	23
Amortization of intangibles	15,147	13,778
Amortization of financing fees	890	1,126
Deferred income taxes	13,013	(13,160)
Changes in operating assets and liabilities, net of acquired assets
Rental merchandise(1)	(253,570)	(261,693)
Receivables	4,596	11,502
Prepaid expenses and other assets	9,881	4,798
Operating lease right-of-use assets and lease liabilities	(1,323)	(840)
Accounts payable – trade	(42,612)	(14,355)
Accrued liabilities	(9,571)	(1,674)
Net cash provided by operating activities	170,660	147,993
Cash flows from investing activities
Net originations and collections of customer cash advances	(18,765)	(10,257)
Purchase of property assets	(15,964)	(10,576)
Proceeds from sale of assets	671	11
Promissory loan collection	35	0
Acquisitions of businesses, net of cash acquired	0	(274,878)
Net cash used in investing activities	(34,023)	(295,700)
Cash flows from financing activities
Exercise of stock options	146	9
Shares withheld for payment of employee tax withholdings	(4,505)	(6,230)
Proceeds from debt	105,000	459,000
Repayments of debt	236,188	237,188
Dividends paid	(23,106)	(21,393)
Net cash (used in) provided by financing activities	(158,653)	194,198
Effect of exchange rate changes on cash	(100)	(26)
Net (decrease) increase in cash and cash equivalents	(22,116)	46,465
Cash and cash equivalents at beginning of period	120,528	60,860
Cash and cash equivalents at end of period	$ 98,412	$ 107,325

Condensed Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Condensed Consolidated Statement of Stockholders' Equity [Abstract]
Common Stock, Dividends, Per Share, Declared	$ 0.39	$ 0.39

Common Stock and Stock-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
	Jan. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Acima equity consideration vesting		$ 11,625	$ 13,279
Other gains and charges		38,423	43,297
Accelerated stock compensation
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other gains and charges		0	1,599
Brigit Acquisition
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock consideration, shares	2,700,000
Common stock price (in dollars per share)	$ 29.75
Business Acquisition, Value of Common Stock Shares Acquired	$ 39,100
Brigit \| Brigit equity consideration vesting
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other gains and charges		$ 4,716	4,059
Performance-based restricted stock units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance-based restricted stock units granted (in shares)		311,641
Weighted average grant date fair value of restricted stock units granted (in dollars per share)		$ 27.22
Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Time-vesting restricted stock units granted (in shares)		668,297
Weighted average grant date fair value of restricted stock units granted (in dollars per share)		$ 22.30
Restricted share units [Member] \| Brigit Acquisition
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock consideration, shares	1,313,331
2021 and 2016 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Acima equity consideration vesting		$ 6,100	$ 7,700
Share Repurchase 500 Million
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, authorized amount		$ 500,000
Shares repurchased (in shares)		0	0
Remaining Authorized Repurchase Amount		$ 235,000

Senior Debt

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Senior Debt

On February 17, 2021, we entered into a credit agreement with JPMorgan Chase Bank, N.A., as administrative agent, and lenders party thereto, providing for a seven-year $875 million senior secured term loan facility (the “Term Loan Facility”), as amended on September 21, 2021, June 15, 2023, May 28, 2024 and August 19, 2025, and an Asset Based Loan Credit Facility (the “ABL Credit Facility”), as amended August 10, 2022, June 7, 2024 and August 29, 2025, providing for a five-year asset-based revolving credit facility with commitments of $550 million and a letter of credit sublimit of $150 million. Commitments under the ABL Credit Facility may be increased, at our option and under certain conditions, by up to an additional $125 million in the aggregate.

On August 19, 2025, we entered into a Fourth Amendment to the Term Loan Facility, effective as of August 19, 2025. The amendment, in addition to certain other changes, (i) extended the maturity date for the loans outstanding under the Term Loan Facility to August 19, 2032 (subject to certain springing maturity provisions) and (ii) provided approximately $77 million of incremental commitments under the Term Loan Facility, all of which were drawn on August 19, 2025, resulting in total aggregate borrowings under the Term Loan Facility on such date of $875 million. Proceeds from the Term Loan Facility were net of original issue discount of $4.4 million upon issuance from the lenders.

On August 29, 2025, we entered into a Third Amendment to the ABL Credit Facility, effective as of August 29, 2025. The amendment provided for certain changes to the covenants applicable to the ABL Credit Facility.

In connection with the execution of the Fourth Amendment to the Term Loan Facility and Third Amendment to the ABL Credit Facility, we incurred approximately $4.2 million in debt issuance costs, including third-party arrangement and other professional fees, of which approximately $4.0 million were expensed as debt refinance charges in our Condensed Consolidated Statements of Operations, and approximately $0.2 million were capitalized and recorded as a reduction to our outstanding senior debt in our Condensed Consolidated Balance Sheets. In addition, in accordance with ASC Topic 470, “Debt”, we recorded approximately $0.9 million in write-offs of unamortized debt issuance costs and original issue discount previously capitalized upon the Third Amendment to the Term Loan Facility on May 28, 2024. The write-offs were recorded as debt refinance charges in our Condensed Consolidated Statements of Operations.

As of March 31, 2026, the total remaining balances of unamortized debt issuance costs and original issue discount related to our senior debt reported in the Condensed Consolidated Balance Sheets were approximately $5.9 million and $4.5 million, respectively. Remaining unamortized debt issuance costs and original issue discount will be amortized to interest expense over the remaining terms of the ABL Credit Facility and Term Loan Facility.

We had $135.0 million outstanding borrowings under our ABL Credit Facility at March 31, 2026 and borrowing capacity of $366.6 million, net of issued letters of credit of approximately $48.4 million. The amount outstanding under the Term Loan Facility was $870.6 million at March 31, 2026.

ABL Credit Facility

The ABL Credit Facility will mature on June 7, 2029 (subject to certain springing maturity provisions). We may borrow only up to the lesser of the level of the then-current borrowing base and the aggregate amount of commitments under the ABL Credit Facility. The borrowing base is tied to the amount of eligible installment sales accounts, inventory and eligible lease contracts, reduced by certain reserves.

The ABL Credit Facility bears interest at a fluctuating rate determined by reference to an adjusted Term SOFR rate plus an applicable margin of 1.50% to 2.00%. The total interest rate on the ABL Credit Facility at March 31, 2026 was 5.76%, including an applicable margin of 2.00%. A commitment fee equal to 0.250% to 0.375% of the unused portion of the ABL Credit Facility fluctuates dependent upon average utilization for the prior month as defined by a pricing grid included in the governing documents of the ABL Credit Facility. The commitment fee at March 31, 2026 was 0.375%.

Loans under the ABL Credit Facility may be borrowed, repaid and re-borrowed until June 7, 2029 (subject to certain springing maturity provisions), at which time all amounts borrowed must be repaid. The obligations under the ABL Credit Facility are guaranteed by us and certain of our material wholly owned domestic restricted subsidiaries, subject to certain exceptions. The obligations under the ABL Credit Facility and such guarantees are secured on a first-priority basis by all of our and our subsidiary guarantors’ accounts, inventory, deposit accounts, securities accounts, cash and cash equivalents, rental agreements, general intangibles (other than equity interests in our subsidiaries), chattel paper, instruments, documents, letter of credit rights, commercial tort claims related to the foregoing and other related assets and all proceeds thereof related to the foregoing, subject to permitted liens and certain exceptions (such assets, collectively, the “ABL Priority Collateral”) and a second-priority basis in substantially all other present and future tangible and intangible personal property of ours and the subsidiary guarantors, subject to certain exceptions.

The ABL Credit Facility contains covenants that are usual and customary for similar facilities and transactions and that, among other things, restrict our ability and our restricted subsidiaries’ ability to create certain liens and enter into certain sale and lease-back transactions; create, assume, incur or guarantee certain indebtedness; consolidate or merge with, or convey, transfer or lease all or substantially all of our and our restricted subsidiaries’ assets, to another person; pay dividends or make other distributions on, or repurchase or redeem, our capital stock or certain other debt; and make other restricted payments.

The governing documents of the ABL Credit Facility provide for customary events of default, including, but not limited to, failure to pay principal and interest, failure to comply with covenants, agreements or conditions, and certain events of bankruptcy or insolvency involving us and our significant subsidiaries. As of March 31, 2026, we were in compliance with all requirements and conditions set forth in our ABL Credit Facility governing documents.

Term Loan Facility

The Term Loan Facility, which matures on August 19, 2032 (subject to certain springing maturity provisions), amortizes in equal quarterly installments at a rate of 1.00% per annum of the original principal amount thereof, with the remaining balance due at final maturity. Subject in each case to certain restrictions and conditions, we may add up to $625 million (plus additional amounts subject to satisfaction of certain financial ratios) of incremental term loan facilities to the Term Loan Facility or utilize incremental capacity under the Term Loan Facility at any time by issuing or incurring incremental equivalent term debt.

Interest on borrowings under the Term Loan Facility is payable at a fluctuating rate of interest determined by reference to the Term SOFR rate plus an applicable margin of 2.75%, subject to a 0.50% Term SOFR floor. The total interest rate on the Term Loan Facility was 6.42% at March 31, 2026.

The Term Loan Facility is secured by a first-priority security interest in substantially all of our present and future tangible and intangible personal property, including our subsidiary guarantors, other than the ABL Priority Collateral (as defined below), and by a second-priority security interest in the ABL Priority Collateral, subject to certain exceptions. The obligations under the Term Loan Facility are guaranteed by us and our material wholly owned domestic restricted subsidiaries that also guarantee the ABL Credit Facility.

The Term Loan Facility contains covenants that are usual and customary for similar facilities and transactions and that, among other things, restrict our ability and our restricted subsidiaries’ ability to create certain liens and enter into certain sale and lease-back transactions; create, assume, incur or guarantee certain indebtedness; consolidate or merge with, or convey, transfer or lease all or substantially all of our and our restricted subsidiaries’ assets, to another person; pay dividends or make other distributions on, or repurchase or redeem, our capital stock or certain other debt; and make other restricted payments. The Term Loan Facility also includes mandatory prepayment requirements related to asset sales (subject to reinvestment), debt incurrence (other than permitted debt) and, excess cash flow, in each case, subject to certain limitations described therein. These covenants are subject to a number of limitations and exceptions set forth in the governing documents of the Term Loan Facility.

The Term Loan Facility provides for customary events of default, including, but not limited to, failure to pay principal and interest, failure to comply with covenants, agreements or conditions, and certain events of bankruptcy or insolvency involving us and our significant subsidiaries.

The table below shows the scheduled maturity dates of our outstanding senior debt at March 31, 2026 for each of the years ending December 31:


(in thousands)	ABL Credit Facility		Term Loan Facility(1)		Total
2026	$	—	$	—	$	—
2027	—		—		—
2028	—		—		—
2029	135,000		—		135,000
2030	—		—		—
Thereafter	—		870,625		870,625
Total senior debt	$	135,000	$	870,625	$	1,005,625

(1) Annual installment requirements were reduced by the amount of the excess cash flow payments made in 2023, in accordance with the terms of the credit agreement governing the Term Loan Facility.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Revenues (Tables)

3 Months Ended

Mar. 31, 2026

Revenues [Abstract]

Disaggregation of Revenue

The following tables disaggregate our revenue for the periods ended March 31, 2026 and 2025:


	Three Months Ended March 31, 2026
	Acima		Rent-A-Center		Brigit		Mexico		Consolidated
(in thousands)
Rentals and fees	$	489,659	$	406,146	$	—	$	20,620	$	916,425
Merchandise sales	158,702		70,564		—		940		230,206
Subscriptions and fees	—		—		67,670		—		67,670
Other	329		4,895		—		204		5,428
Total revenues	$	648,690	$	481,605	$	67,670	$	21,764	$	1,219,729


	Three Months Ended March 31, 2025
	Acima		Rent-A-Center		Brigit		Mexico		Consolidated
(in thousands)
Rentals and fees	$	477,047	$	404,975	$	—	$	17,190	$	899,212
Merchandise sales	159,952		75,518		—		775		236,245
Subscriptions and fees	—		—		31,861		—		31,861
Other	288		8,532		—		225		9,045
Total revenues	$	637,287	$	489,025	$	31,861	$	18,190	$	1,176,363

Segment Information (Tables)

3 Months Ended

Mar. 31, 2026

Segment Information [Abstract]

Segment Information

Segment information is as follows:


	Three Months Ended March 31, 2026
(in thousands)	Acima		Rent-A-Center		Brigit		Mexico		Total

Revenues	$	648,690	$	481,605	$	67,670	$	21,764	$	1,219,729
Cost of revenues	454,590		164,406		7,748		6,523		633,267
Gross profit	194,100		317,199		59,922		15,241		586,462
Operating expenses
Operating labor	23,431		118,930		1,260		5,489		149,110
Non-labor operating expenses(1)	81,397		127,832		33,977		7,056		250,262
Depreciation and amortization	404		5,010		26		633		6,073
Other segment expenses(2)	11,602		3,151		6,096		2,155		23,004

Segment operating profit (loss)	77,266		62,276		18,563		(92)		158,013
Corporate									(80,575)
Operating profit									77,438

Interest expense									26,881
Interest income									(714)
Earnings before income taxes									$	51,271

(1) Includes Lease Charge-Offs of $57.3 million and $21.0 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $13.9 million in the Brigit segment for the three months ended March 31, 2026.

(2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.


	Three Months Ended March 31, 2025
(in thousands)	Acima		Rent-A-Center		Brigit		Mexico		Total

Revenues	$	637,287	$	489,025	$	31,861	$	18,190	$	1,176,363
Cost of revenues	450,836		166,199		4,006		5,193		626,234
Gross profit	186,451		322,826		27,855		12,997		550,129
Operating expenses
Operating labor	23,990		120,198		716		4,263		149,167
Non-labor operating expenses(1)	76,902		122,381		14,446		5,282		219,011
Depreciation and amortization	354		5,427		11		437		6,229
Other segment expenses(2)	11,497		8,405		3,853		1,792		25,547

Segment operating profit	73,708		66,415		8,829		1,223		150,175
Corporate									(87,560)
Operating profit									62,615

Interest expense									27,798
Interest income									(694)
Earnings before income taxes									$	35,511

(1) Includes Lease Charge-Offs of $56.7 million and $20.4 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $5.0 million in the Brigit segment for the three months ended March 31, 2025.

(2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.


	Three Months Ended March 31,
(in thousands)		2026		2025
Capital expenditures
Acima		$	—	312
Rent-A-Center		1,428		2,491
Brigit		41		46
Mexico		1,160		644

Total operating segments		2,629		3,493
Corporate		13,335		7,083
Total capital expenditures		$	15,964	$	10,576


(in thousands)	March 31, 2026		December 31, 2025
On rent rental merchandise, net
Acima	$	622,975	$	710,844
Rent-A-Center	450,794		465,076
Mexico	25,290		26,362
Total on rent rental merchandise, net	$	1,099,059	$	1,202,282


(in thousands)	March 31, 2026		December 31, 2025
Held for rent rental merchandise, net
Acima	$	177	$	164
Rent-A-Center	114,965		100,893
Mexico	12,515		13,468
Total held for rent rental merchandise, net	$	127,657	$	114,525


(in thousands)	March 31, 2026		December 31, 2025
Assets by segment
Acima	$	1,176,473	$	1,280,771
Rent-A-Center	991,575		1,016,293
Brigit	426,374		430,232
Mexico	58,486		62,602

Total operating segments	2,652,908		2,789,898
Corporate	475,209		486,183
Total assets	$	3,128,117	$	3,276,081

- Definition

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

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+ Details

Senior Notes (Details) - Senior Notes [Member] - USD ($) $ in Thousands		3 Months Ended
	Feb. 17, 2021	Mar. 31, 2026
Senior Notes [Line Items]
Carrying value of senior notes	$ 450,000	$ 450,000
Debt instrument, maturity date	Feb. 15, 2029
Interest rate, stated percentage	6.375%
Debt Instrument, Redemption Price, Percentage		101.00%
Unamortized Debt Issuance Expense	$ 15,700	$ 5,700

- Definition

Date when the debt instrument is scheduled to be fully repaid, in YYYY-MM-DD format.

+ References + Details

Acquisitions and Divestitures - Acquired Intangible Assets (Details) $ in Thousands	Jan. 31, 2025 USD ($)
Developed Technology Rights
Business Combination [Line Items]
Estimated Fair Value	$ 65,100
Estimated Remaining Useful Life (in years)	7 years
Brigit Acquisition
Business Combination [Line Items]
Estimated Remaining Useful Life (in years)	9 years
Brigit Acquisition \| Customer Contracts
Business Combination [Line Items]
Estimated Fair Value	$ 144,500
Estimated Remaining Useful Life (in years)	10 years
Brigit Acquisition \| Trade Names
Business Combination [Line Items]
Estimated Fair Value	$ 7,800
Estimated Remaining Useful Life (in years)	7 years

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Receivables and Allowance for Doubtful Accounts - Allowance for Doubtful Accounts (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2026 USD ($)
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Accounts Receivable, Allowance for Credit Loss, Beginning Balance	$ 29,661
Bad debt expense	21,949
Accounts written off, net of recoveries	(21,503)
Accounts Receivable, Allowance for Credit Loss, Ending Balance	$ 30,107

Revenues (Details) - USD ($) $ in Thousands	3 Months Ended
Revenues (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Disaggregation of Revenue [Line Items]
Rentals and fees	$ 916,425	$ 899,212
Merchandise sales	230,206	236,245
Subscriptions and fees	67,670	31,861
Other	5,428	9,045
Total revenues	1,219,729	1,176,363
Franchise Fee Deferred Revenue	1,200		$ 1,400
Rental purchase agreements [Member]
Disaggregation of Revenue [Line Items]
Deferred revenue	60,600		$ 62,100
Acima
Disaggregation of Revenue [Line Items]
Rentals and fees	489,659	477,047
Merchandise sales	158,702	159,952
Subscriptions and fees	0	0
Other	329	288
Total revenues	648,690	637,287
Acima \| Operating segments [Member]
Disaggregation of Revenue [Line Items]
Total revenues	648,690	637,287
Rent-A-Center
Disaggregation of Revenue [Line Items]
Rentals and fees	406,146	404,975
Merchandise sales	70,564	75,518
Subscriptions and fees	0	0
Other	4,895	8,532
Total revenues	481,605	489,025
Rent-A-Center \| Operating segments [Member]
Disaggregation of Revenue [Line Items]
Total revenues	481,605	489,025
Brigit
Disaggregation of Revenue [Line Items]
Rentals and fees	0	0
Merchandise sales	0	0
Subscriptions and fees	67,670	31,861
Other	0	0
Total revenues	67,670	31,861
Brigit \| Operating segments [Member]
Disaggregation of Revenue [Line Items]
Total revenues	67,670	31,861
Mexico
Disaggregation of Revenue [Line Items]
Rentals and fees	20,620	17,190
Merchandise sales	940	775
Subscriptions and fees	0	0
Other	204	225
Total revenues	21,764	18,190
Mexico \| Operating segments [Member]
Disaggregation of Revenue [Line Items]
Total revenues	$ 21,764	$ 18,190

Acquisitions and Divestitures - Pro Forma Financial Information (Details) - USD ($) $ in Thousands	2 Months Ended	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Business Combination [Line Items]
Total Operating Expenses		$ 509,024	$ 487,514
Pro Forma
Business Combination [Line Items]
Total Operating Expenses			6,900
Brigit Acquisition
Business Combination [Line Items]
Brigit total revenues	$ 31,861
Brigit Pro forma net earnings	$ 5,513
Brigit Acquisition \| Pro Forma
Business Combination [Line Items]
Pro Forma total revenues			1,192,417
Pro Forma net earnings			$ 31,739

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Basis of Presentation	3 Months Ended
Basis of Presentation	Mar. 31, 2026
Basis of Presentation [Abstract]
Basis of Presentation	Basis of Presentation The interim condensed consolidated financial statements of Upbound Group, Inc. included herein have been prepared by us pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”). Certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to the SEC’s rules and regulations, although we believe the disclosures are adequate to make the information presented not misleading. We suggest these financial statements be read in conjunction with the financial statements and notes included in our Annual Report on Form 10-K for the year ended December 31, 2025. In our opinion, the accompanying unaudited interim financial statements contain all adjustments, consisting only of those of a normal recurring nature, necessary to present fairly our results of operations and cash flows for the periods presented. The results of operations for the periods presented are not necessarily indicative of the results to be expected for the full year. Condensed Consolidated Statement of Cash Flows - Correction of Error As previously disclosed on our Quarterly Report on Form 10-Q for the period ended September 30, 2025, subsequent to the issuance of our condensed consolidated financial statements reported on our Quarterly Report on Form 10-Q for the period ended March 31, 2025, the Company identified a presentation error within the Condensed Consolidated Statement of Cash Flows related to net originations and collections of customer cash advances for our subsidiary, Bridge IT, Inc., which we determined was not material to our financial statements. In accordance with ASC Topic 230 the Company determined net originations and collections of customer cash advances should be presented as an investing activity and not included in Changes in Receivables within net cash provided by operating activities on the Condensed Consolidated Statement of Cash Flows. As a result, cash provided by operating activities and cash used in investing activities was understated for the three months ended March 31, 2025 by $10.2 million. Therefore, the presentation of net originations and collections of customer advances has been corrected in the Condensed Consolidated Statement of Cash Flows for the three months ended March 31, 2025 included in this Quarterly Report on Form 10-Q. Furthermore, this presentation error had no impact to our Condensed Consolidated Statements of Operations and Comprehensive Income, or our Condensed Consolidated Balance Sheet reported within our Form 10-Q for the period-ended March 31, 2025. Use of Estimates In preparing financial statements in conformity with U.S. generally accepted accounting principles, we are required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent losses and liabilities at the date of the condensed consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. In applying accounting principles, we must often make individual estimates and assumptions regarding expected outcomes or uncertainties. Our estimates, judgments and assumptions are continually evaluated based on available information and experience. However, uncertainties, including those related to recent macroeconomic trends or other factors, may affect certain estimates and assumptions inherent in the financial reporting process, which may impact reported amounts of assets and liabilities in future periods and cause actual results to differ from those estimates. Principles of Consolidation and Nature of Operations The financial statements included herein include the accounts of Upbound Group, Inc. and its direct and indirect subsidiaries. All intercompany accounts and transactions have been eliminated. Unless the context indicates otherwise, references to “Upbound Group, Inc.” refer only to Upbound Group, Inc., the parent, and references to the “Company”, “we,” “us” and “our” refer to the consolidated business operations of Upbound Group, Inc. and any or all of its direct and indirect subsidiaries. We currently report four operating segments: Acima, Rent-A-Center, Brigit and Mexico. Our Acima segment, which primarily operates in the United States and Puerto Rico, generally offers the lease-to-own transaction to consumers who do not qualify for traditional financing through staffed or unstaffed kiosks located within third-party retailer locations or other virtual options. In virtual locations, customers, either directly or with the assistance of a representative of the third-party retailer, initiate the lease-to-own transaction online in the retailers’ locations using our virtual solutions. Our Rent-A-Center segment primarily consists of company-owned lease-to-own stores in the United States and Puerto Rico that lease durable goods to customers on a lease-to-own basis. In addition, we offer merchandise on an installment sales basis in certain of our stores operating under the names “Get It Now” and “Home Choice” in the states of Minnesota and Wisconsin. The Rent-A-Center segment also includes franchising operations that offer the sale of rental merchandise to our franchisees, who in turn offer the merchandise to the general public for rent or purchase under lease-to-own agreements consistent with our company-owned lease-to-own stores. We also receive royalties based on a percent of the franchisees' monthly gross revenues. Our Rent-A-Center segment operates through our company-owned and franchise stores, and e-commerce platforms through rentacenter.com, getitnowstores.com and homechoicestores.com. Our Brigit segment, which operates in the United States, includes the operations of Bridge IT Inc., which was acquired on January 31, 2025 (the “Closing Date”). The Brigit segment, through mobile and web applications, offers various financial health products and tools to help users improve their financial health, such as Finance Helper, Deals & Offers, Instant Cash, Credit Builder, Identity Theft Protection and more. These products and tools help customers improve their financial health and literacy, find ways to earn and save money, access their earned wages before their regularly scheduled payday, build their credit through savings and protect themselves from identity theft. Our Mexico segment consists of our company-owned stores in Mexico that lease durable goods to customers on a lease-to-own basis. Newly Adopted Accounting Pronouncements In July 2025, the FASB issued ASU 2025-05, Financial Instruments - Credit Losses (Topic 326), which amends the existing standard that refers to estimating expected credit losses on current accounts receivable and current contract assets arising from transactions under Topic 606. Under the new standard, public business entities may elect a practical expedient that assumes the current conditions as of the balance sheet date do not change for the remaining life of the asset when estimating expected credit losses. We adopted ASU 2025-05 effective January 1, 2026 on a prospective basis. The adoption did not have a material impact on our financial statements.

Basis of Presentation - Narrative (Details) $ in Thousands	3 Months Ended
Basis of Presentation - Narrative (Details) $ in Thousands	Mar. 31, 2026 USD ($) segment	Mar. 31, 2025 USD ($)
Basis of Presentation [Abstract]
Number of operating segments \| segment	4
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net originations and collections of customer cash advances	$ 18,765	$ 10,257
Error Correction, Other
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net originations and collections of customer cash advances		$ (10,200)

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

Senior Debt (Details) - USD ($)				1 Months Ended	3 Months Ended
Senior Debt (Details) - USD ($)	Aug. 19, 2025	Jun. 07, 2024	Feb. 17, 2021	Aug. 31, 2025	Mar. 31, 2026
Senior Debt [Line Items]
Outstanding Senior debt					$ 1,005,625,000
Term Loan Facility
Senior Debt [Line Items]
Senior secured term loan facility	$ 875,000,000		$ 875,000,000
Available increase in Senior Debt capacity	$ 625,000,000
Outstanding Senior debt					$ 870,625,000
Debt instrument, maturity date	Aug. 19, 2032
Debt Instrument, Frequency of Periodic Payment					quarterly
Debt Instrument, Periodic Payment, Percent					1.00%
Long-Term Debt	$ 77,000,000
Term Loan Facility \| Secured Overnight Financing Rate (SOFR)
Senior Debt [Line Items]
Basis margin on variable rate					2.75%
Actual interest rate					6.42%
Term Loan Facility \| Secured Overnight Financing Rate (SOFR) Floor
Senior Debt [Line Items]
Basis margin on variable rate					0.50%
ABL Credit Facility
Senior Debt [Line Items]
Revolving credit facility commitments			550,000,000
Available increase in Senior Debt capacity			125,000,000
Outstanding Senior debt					$ 135,000,000.0
ABL credit facility borrowing capacity					366,600,000
Letters of credit, amount outstanding					$ 48,400,000
Debt instrument, maturity date		Jun. 07, 2029
Line of credit facility, unused capacity, commitment fee percentage					0.375%
ABL Credit Facility \| Maximum [Member]
Senior Debt [Line Items]
Line of credit facility, unused capacity, commitment fee percentage					0.375%
ABL Credit Facility \| Minimum [Member]
Senior Debt [Line Items]
Line of credit facility, unused capacity, commitment fee percentage					0.25%
ABL Credit Facility \| Secured Overnight Financing Rate (SOFR)
Senior Debt [Line Items]
Actual interest rate					5.76%
ABL Credit Facility \| Secured Overnight Financing Rate (SOFR) \| Maximum [Member]
Senior Debt [Line Items]
Basis margin on variable rate					2.00%
ABL Credit Facility \| Secured Overnight Financing Rate (SOFR) \| Minimum [Member]
Senior Debt [Line Items]
Basis margin on variable rate					1.50%
ABL Letter of Credit
Senior Debt [Line Items]
Maximum borrowing capacity			$ 150,000,000
Term Loan Facility \| Secured Debt
Senior Debt [Line Items]
Debt Instrument, Term			7 years
ABL Credit Facility \| ABL Credit Facility
Senior Debt [Line Items]
Debt Instrument, Term			5 years
Debt Issuance Costs [Member]
Senior Debt [Line Items]
Unamortized Debt Issuance Expense					$ 5,900,000
Original Issue Discount [Member]
Senior Debt [Line Items]
Unamortized Debt Issuance Expense					$ 4,500,000
Credit Agreement \| Term Loan Facility
Senior Debt [Line Items]
Capitalized debt issuance costs				$ 200,000
Debt issuance costs				4,200,000
Debt refinancing charges				4,000,000.0
Write-off of debt financing fees				$ 900,000
Debt Instrument, Unamortized Discount	$ 4,400,000

Other Gains and Charges - Activity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	$ 38,423	$ 43,297
Legal matters
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	4,053	10,645
Accelerated stock compensation
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	0	1,599
Other
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	(165)	637
Employee Severance
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	1,659	0
Acima Holdings \| Acima acquired assets depreciation and amortization
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	14,944	14,900
Brigit \| Asset impairments and disposals
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	1,505	0
Brigit \| Brigit acquired assets depreciation and amortization
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	6,216	4,144
Brigit \| Brigit equity consideration vesting
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	4,716	4,059
Brigit \| Brigit replacement awards and other compensation
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	5,495	1,095
Brigit \| Brigit transaction costs
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges	$ 0	$ 6,218

Other Gains and Charges (Tables)

3 Months Ended

Mar. 31, 2026

Unusual or Infrequent Items, or Both [Abstract]

Other Gains and Charges

Activity with respect to other gains and charges is summarized in the below table:


	Three Months Ended March 31,
(in thousands)		2026		2025
Acima acquired assets depreciation and amortization		$	14,944	$	14,900
Brigit acquired assets depreciation and amortization		6,216		4,144
Brigit replacement awards and other compensation		5,495		1,095
Brigit equity consideration vesting		4,716		4,059
Legal matters		4,053		10,645
Labor reduction cost		1,659		—
Asset impairments and disposals		1,505		—
Brigit transaction costs		—		6,218
Accelerated stock compensation		—		1,599
Other		(165)		637
Total other gains and charges		$	38,423	$	43,297

Acquisitions and Divestitures (Tables)

3 Months Ended

Mar. 31, 2026

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Business Combination

The following table provides the estimated fair values of the identifiable assets acquired and liabilities assumed as of the acquisition date:


(in thousands)	January 31, 2025
Aggregate cash consideration(1)	$	277,668
Aggregate stock consideration(2)	41,019
Other consideration(3)	76,691
Total purchase consideration	$	395,378
ASSETS ACQUIRED
Receivables, net(4)	$	44,470
Prepaid expenses and other assets	2,672


Property assets	65,311
Operating lease right-of-use assets	850

Goodwill	196,866
Other intangible assets	152,300
Total assets acquired	$	462,469
LIABILITIES ASSUMED
Accounts payable - trade	$	17,989
Accrued liabilities	3,877
Operating lease liabilities	850
Deferred income taxes	44,375
Total liabilities assumed	67,091
Net assets acquired	$	395,378

(1) Aggregate cash consideration excludes $7.8 million in Replacement Awards described above and $58.6 million in cash acquired, and includes cash paid to settle Brigit's outstanding debt and loan balances and other transaction expenses of $63.7 million, and post-closing net working capital adjustments of $1.7 million.

(2) Aggregate stock consideration excludes approximately 1.3 million shares valued at approximately $39.1 million subject to certain vesting restrictions, as described further above.

(3) Includes the fair value of Deferred Consideration and earnout payments described above, which were not included in Closing Cash Consideration paid at the time of closing but will be paid out in future periods pursuant to the terms of the Merger Agreement.

(4) Includes gross contractual receivables of $43.8 million related to customer cash advances, of which $4.5 million were estimated to be uncollectible as of the Closing Date.

Business Combination, Recognized Asset Acquired and Liability Assumed

Certain fair values were determined based on an independent valuation of the net assets acquired, including $152.3 million of identifiable intangible assets with an estimated weighted average useful life of nine years, as follows:


Asset Class	Estimated Fair Value (in thousands)		Estimated Remaining Useful Life (in years)
Customer contracts	$	144,500	10
Trade name	7,800		7

Business Combination, Pro Forma Information

The unaudited pro forma financial information is as follows:


	Three Months Ended March 31,
(in thousands)	2025

Pro Forma total revenues	$	1,192,417
Pro Forma net earnings (loss)(1)	31,739

(1) Total pro forma adjustments to net earnings (loss) represented an increase of $6.9 million for the three months ended March 31, 2025.

The amounts of revenue and earnings of Brigit included in our Condensed Consolidated Statements of Operations from the acquisition date of January 31, 2025 are as follows:


(in thousands)	January 31, 2025 - March 31, 2025

Total revenues	$	31,861
Net earnings(1)	5,513

(1)Net earnings for the period includes amortization and depreciation of intangible assets and developed technology acquired upon closing of the Brigit acquisition.

- Definition

Tabular disclosure of business combination. Includes, but is not limited to, recognized asset and liability.

+ References + Details

Receivables and Allowance for Doubtful Accounts - Receivables (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Receivables [Line Items]
Gross receivables	$ 225,486	$ 232,855
Accounts Receivable, Allowance for Credit Loss	(30,107)	(29,661)
Receivables, net of allowance for doubtful accounts of $30,107 and $29,661 in 2026 and 2025, respectively	195,379	203,194
Financing Receivable, before Allowance for Credit Loss	$ 63,686	$ 58,976
Financing Receivable, before Allowance for Credit Loss, to Total, Percent	100.00%	100.00%
0-15 days
Receivables [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 47,029	$ 44,077
Financing Receivable, before Allowance for Credit Loss, to Total, Percent	74.00%	75.00%
16-30 days
Receivables [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 10,573	$ 9,844
Financing Receivable, before Allowance for Credit Loss, to Total, Percent	17.00%	17.00%
31-45 days
Receivables [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 4,080	$ 3,731
Financing Receivable, before Allowance for Credit Loss, to Total, Percent	6.00%	6.00%
45+ days
Receivables [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 2,004	$ 1,324
Financing Receivable, before Allowance for Credit Loss, to Total, Percent	3.00%	2.00%
Trade and notes receivables
Receivables [Line Items]
Gross receivables	$ 104,712	$ 112,490
Accounts Receivable, Allowance for Credit Loss	(12,900)	(12,700)
Accrued Revenue	56,300	55,900
Trade and notes receivables \| Acima
Receivables [Line Items]
Accrued Revenue	53,100	51,900
Trade and notes receivables \| Rent-A-Center
Receivables [Line Items]
Accrued Revenue	2,900	3,600
Installment sales receivable
Receivables [Line Items]
Gross receivables	57,088	61,389
Accounts Receivable, Allowance for Credit Loss	(12,300)	(11,100)
Customer cash advances
Receivables [Line Items]
Gross receivables	63,686	58,976
Accounts Receivable, Allowance for Credit Loss	$ (4,900)	$ (5,900)

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
	Jan. 31, 2025	Mar. 31, 2026	Mar. 31, 2025
Earnings Per Common Share
Net earnings		$ 35,789	$ 24,793
Weighted-average shares outstanding		57,534,000	55,945,000
Effect of dilutive stock awards		1,312,000	2,413,000
Weighted Average Number of Shares Outstanding, Diluted		58,846,000	58,358,000
Basic earnings per common share		$ 0.62	$ 0.44
Diluted earnings per common share(1)		$ 0.61	$ 0.42
Brigit Acquisition
Earnings Per Common Share
Stock consideration, shares	2,700,000
Brigit Acquisition \| Restricted share units [Member]
Earnings Per Common Share
Stock consideration, shares	1,313,331
Brigit
Earnings Per Common Share
Weighted Average Number of Shares Outstanding, Diluted		600,000	1,300,000
Retained Earnings
Earnings Per Common Share
Net earnings		$ 35,789	$ 24,793
Restricted Stock Units [Member]
Earnings Per Common Share
Anti-dilutive securities		704,000	1,000
Performance-based restricted stock units [Member]
Earnings Per Common Share
Anti-dilutive securities		0	463,000
Stock options [Member]
Earnings Per Common Share
Anti-dilutive securities		345,000	107,000

Other Gains and Charges

3 Months Ended

Mar. 31, 2026

Unusual or Infrequent Items, or Both [Abstract]

Other Gains and Charges

Acima Holdings Acquisition. On February 17, 2021, we completed the acquisition of Acima Holdings, a leading provider of virtual lease-to-own solutions. The fair value of assets acquired as part of the transaction included $520 million in intangible assets and $170 million in developed technology. During the three months ended March 31, 2026 and 2025, we recognized approximately $11.0 million and $10.9 million, respectively, in amortization expense, related to acquired intangible assets. We also recognized approximately $4.0 million in incremental depreciation expense related to acquired technology assets during both the three months ended March 31, 2026 and 2025. Depreciation expense for technology assets is reported under our Corporate segment.

Brigit Acquisition. As described in Note 2, on January 31, 2025, we completed the acquisition of Brigit, a leading holistic financial health technology company. Included in the aggregate consideration issued to the former owners of Brigit were 1,313,331 shares, valued at $39.1 million, issued under restricted stock agreements and subject to vesting conditions, which will be recognized as stock compensation expense over the vesting term, in accordance with ASC Topic 718, “Stock-based Compensation”. During the three months ended March 31, 2026 and 2025, we recognized approximately $4.7 million and $4.1 million, respectively, in stock compensation expense related to these restricted stock agreements, in addition to $5.5 million and $1.1 million, respectively, related to Brigit's Replacement Awards and other agreement compensation. Stock-based and other acquisition-related compensation expense associated with the Brigit acquisition is reported under our Corporate segment. See Note 2 and Note 10 for additional information.

The fair value of assets acquired as part of the transaction included $152.3 million in intangible assets and $65.1 million in developed technology. During the three months ended March 31, 2026 and 2025, we recognized approximately $3.9 million and $2.6 million, respectively, in amortization expense related to acquired intangible assets. We also recognized approximately $2.3 million and $1.6 million in incremental depreciation expense related to acquired technology assets during the three months ended March 31, 2026 and 2025, respectively. Depreciation expense for technology assets is reported under our Corporate segment.

For the three months ended March 31, 2025, we recognized approximately $6.2 million in transaction costs associated with the closing of the transaction, reported under our Corporate segment.

Legal Matters. As disclosed further in Note 11 in this Quarterly Report on Form 10-Q and as previously disclosed, we are currently party to a filed regulatory lawsuit with the New York Attorney General, as well as a multistate and District of Columbia regulatory investigation by attorneys’ general offices, none of which we believe are representative of historical regulatory matters that arise in the ordinary course of our business. These matters relate to lease-to-own transactions for our Acima subsidiary, which was acquired in 2021. We were also party to a recently settled certified class action brought on behalf of certain individuals who entered into rental purchase agreements and paid certain fees with the Company’s former Acceptance Now business in the state of California, and we were party to a recently settled patent infringement lawsuit. During the three months ended March 31, 2026 and 2025, we recorded estimated legal accruals of $3.5 million and $10.0 million, respectively, based on the then-current status of our legal matters, including the foregoing matters, and incurred related litigation and defense

expenses of $0.5 million and $0.6 million for the three months ended March 31, 2026 and 2025, respectively. Legal accruals for litigation matters and related defense expenses are reported under our Corporate segment. We will continue to evaluate and modify our estimated legal accruals as appropriate in future periods based on future developments.

Stock Award Letter Agreement. On April 3, 2024, we entered into a letter agreement with the Company’s former Chief Executive Officer as disclosed in our Current Report on Form 8-K dated as of April 5, 2024. The terms of the letter agreement included special provisions for his outstanding restricted stock awards vesting at various times through February 2027, which resulted in the acceleration of stock compensation expense for those awards in accordance with ASC Topic 718, “Stock-based Compensation”. Accelerated stock compensation expense recognized for the three months ended March 31, 2025 due to this letter agreement was approximately $1.6 million. Stock-based compensation expense is reported under our Corporate segment.

Activity with respect to other gains and charges is summarized in the below table:


	Three Months Ended March 31,
(in thousands)		2026		2025
Acima acquired assets depreciation and amortization		$	14,944	$	14,900
Brigit acquired assets depreciation and amortization		6,216		4,144
Brigit replacement awards and other compensation		5,495		1,095
Brigit equity consideration vesting		4,716		4,059
Legal matters		4,053		10,645
Labor reduction cost		1,659		—
Asset impairments and disposals		1,505		—
Brigit transaction costs		—		6,218
Accelerated stock compensation		—		1,599
Other		(165)		637
Total other gains and charges		$	38,423	$	43,297

Fair Value (Details) - Senior Notes [Member] - USD ($) $ in Thousands	Mar. 31, 2026	Feb. 17, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Carrying value of senior notes	$ 450,000	$ 450,000
Fair value	435,915
Difference	$ (14,085)

- Definition

Fair value portion of debt instrument payable, including, but not limited to, notes payable and loans payable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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+ Details

Fair Value

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value

We follow a three-tier fair value hierarchy, which classifies the inputs used in measuring fair values, in determining the fair value of our non-financial assets and non-financial liabilities, which consist primarily of goodwill. These tiers include: Level 1, defined as observable inputs such as quoted prices for identical instruments in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs in which little or no market data exists, therefore requiring an entity to develop its own assumptions.

Our financial instruments include cash and cash equivalents, receivables, payables, borrowings against our ABL Credit Facility and Term Loan Facility, and outstanding Notes. The carrying amount of cash and cash equivalents, receivables and payables approximates fair value at March 31, 2026 and December 31, 2025, because of the short maturities of these instruments. In addition, the interest rates on our Term Loan Facility and ABL Credit Facility are variable and, therefore, we believe the carrying value of outstanding borrowings approximates their fair value.

The fair value of our Notes is based on Level 1 inputs and was as follows at March 31, 2026:


	March 31, 2026
(in thousands)	Carrying Value		Fair Value		Difference
Senior notes	$	450,000	$	435,915	$	(14,085)

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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+ Details

Document and Company Information - shares	3 Months Ended
Document and Company Information - shares	Mar. 31, 2026	Apr. 23, 2026
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Document Transition Report	false
Entity File Number	001-38047
Entity Registrant Name	Upbound Group, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	45-0491516
Entity Address, Address Line One	5501 Headquarters Drive
Entity Address, City or Town	Plano
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	75024
City Area Code	972
Local Phone Number	801-1100
Title of 12(b) Security	Common stock, $.01 par value
Trading Symbol	UPBD
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		58,293,726
Entity Central Index Key	0000933036
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q1
Amendment Flag	false

Contingencies (Details) - USD ($) $ in Millions	Mar. 31, 2026	Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]
Loss Contingency Accrual	$ 74.2	$ 72.0
Loss Contingency, Estimate of Possible Loss	$ 14.0

- Definition

Reflects the estimated amount of loss from the specified contingency as of the balance sheet date.

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+ Details

Common Stock and Stock-Based Compensation	3 Months Ended
Common Stock and Stock-Based Compensation	Mar. 31, 2026
Stock-Based Compensation [Abstract]
Common Stock and Stock-Based Compensation	Common Stock and Stock-Based Compensation Stock Repurchase Program In early December 2021, our Board of Directors authorized a stock repurchase program for up to $500 million (the “December 2021 Program”), which superseded our previous stock repurchase program. Under the December 2021 Program, we may purchase shares of our common stock from time to time in the open market or privately negotiated transactions. We are not obligated to acquire any shares under the program, and the program may be suspended or discontinued at any time. There were no repurchases of our common stock during the three months ended March 31, 2026 and 2025. Approximately $235.0 million remains available for repurchases under the current authorization at March 31, 2026. Stock-Based Compensation We recognized $6.1 million and $7.7 million in compensation expense related to stock awards issued under the Upbound Group, Inc. Amended 2021 Long-Term Incentive Plan (the “2021 Plan”) and 2016 Long-Term Incentive Plan (the “2016 Plan”) during the three months ended March 31, 2026 and 2025, respectively. During the three months ended March 31, 2026, we granted 311,641 market-based performance units and 668,297 time-vesting units under the 2021 Plan. Performance-based restricted stock units are valued using a Monte Carlo simulation. Time-vesting restricted stock units are valued based on our closing stock price on the trading day immediately preceding the date of the grant, or as of the date of modification in the event an award is modified. The weighted-average grant date fair value of the market-based performance and time-vesting restricted stock units granted during the three months ended March 31, 2026 was $27.22 and $22.30, respectively. As described in Note 2, in connection with the acquisition of Brigit on January 31, 2025, we issued to the former owners of Brigit approximately 2.7 million common shares valued at $29.75 per share, as of the Closing Date. Of this total, 1,313,331 common shares, valued at approximately $39.1 million, issued under restricted stock agreements and subject to vesting conditions, will be recognized as stock compensation expense over the vesting term in accordance with ASC Topic 718, “Stock-based Compensation”. We recognized $4.7 million and $4.1 million in stock compensation expense related to these restricted stock agreements during the three months ended March 31, 2026 and 2025, respectively, recorded to other gains and charges in our unaudited Condensed Consolidated Statements of Operations. On April 3, 2024, we entered into a letter agreement with the Company’s former Chief Executive Officer as disclosed in our Current Report on Form 8-K dated as of April 5, 2024. The terms of the letter agreement included special provisions for his outstanding restricted stock awards vesting at various times through February 2027, which resulted in the acceleration of stock compensation expense for those awards in accordance with ASC Topic 718, “Stock-based Compensation”. Accelerated stock compensation expense recognized for the three months ended March 31, 2025 due to this letter agreement was approximately $1.6 million, and was recorded to other gains and charges in our unaudited Condensed Consolidated Statements of Operations.

Basis of Presentation (Policies)	3 Months Ended
Basis of Presentation (Policies)	Mar. 31, 2026
Basis of Presentation [Abstract]
Use of Estimates	Use of Estimates In preparing financial statements in conformity with U.S. generally accepted accounting principles, we are required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent losses and liabilities at the date of the condensed consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. In applying accounting principles, we must often make individual estimates and assumptions regarding expected outcomes or uncertainties. Our estimates, judgments and assumptions are continually evaluated based on available information and experience. However, uncertainties, including those related to recent macroeconomic trends or other factors, may affect certain estimates and assumptions inherent in the financial reporting process, which may impact reported amounts of assets and liabilities in future periods and cause actual results to differ from those estimates.
Principles of Consolidation and Nature of Operations	Principles of Consolidation and Nature of Operations The financial statements included herein include the accounts of Upbound Group, Inc. and its direct and indirect subsidiaries. All intercompany accounts and transactions have been eliminated. Unless the context indicates otherwise, references to “Upbound Group, Inc.” refer only to Upbound Group, Inc., the parent, and references to the “Company”, “we,” “us” and “our” refer to the consolidated business operations of Upbound Group, Inc. and any or all of its direct and indirect subsidiaries. We currently report four operating segments: Acima, Rent-A-Center, Brigit and Mexico. Our Acima segment, which primarily operates in the United States and Puerto Rico, generally offers the lease-to-own transaction to consumers who do not qualify for traditional financing through staffed or unstaffed kiosks located within third-party retailer locations or other virtual options. In virtual locations, customers, either directly or with the assistance of a representative of the third-party retailer, initiate the lease-to-own transaction online in the retailers’ locations using our virtual solutions. Our Rent-A-Center segment primarily consists of company-owned lease-to-own stores in the United States and Puerto Rico that lease durable goods to customers on a lease-to-own basis. In addition, we offer merchandise on an installment sales basis in certain of our stores operating under the names “Get It Now” and “Home Choice” in the states of Minnesota and Wisconsin. The Rent-A-Center segment also includes franchising operations that offer the sale of rental merchandise to our franchisees, who in turn offer the merchandise to the general public for rent or purchase under lease-to-own agreements consistent with our company-owned lease-to-own stores. We also receive royalties based on a percent of the franchisees' monthly gross revenues. Our Rent-A-Center segment operates through our company-owned and franchise stores, and e-commerce platforms through rentacenter.com, getitnowstores.com and homechoicestores.com. Our Brigit segment, which operates in the United States, includes the operations of Bridge IT Inc., which was acquired on January 31, 2025 (the “Closing Date”). The Brigit segment, through mobile and web applications, offers various financial health products and tools to help users improve their financial health, such as Finance Helper, Deals & Offers, Instant Cash, Credit Builder, Identity Theft Protection and more. These products and tools help customers improve their financial health and literacy, find ways to earn and save money, access their earned wages before their regularly scheduled payday, build their credit through savings and protect themselves from identity theft. Our Mexico segment consists of our company-owned stores in Mexico that lease durable goods to customers on a lease-to-own basis. Newly Adopted Accounting Pronouncements In July 2025, the FASB issued ASU 2025-05, Financial Instruments - Credit Losses (Topic 326), which amends the existing standard that refers to estimating expected credit losses on current accounts receivable and current contract assets arising from transactions under Topic 606. Under the new standard, public business entities may elect a practical expedient that assumes the current conditions as of the balance sheet date do not change for the remaining life of the asset when estimating expected credit losses. We adopted ASU 2025-05 effective January 1, 2026 on a prospective basis. The adoption did not have a material impact on our financial statements.
Newly Adopted Accounting Pronouncements	Newly Adopted Accounting Pronouncements In July 2025, the FASB issued ASU 2025-05, Financial Instruments - Credit Losses (Topic 326), which amends the existing standard that refers to estimating expected credit losses on current accounts receivable and current contract assets arising from transactions under Topic 606. Under the new standard, public business entities may elect a practical expedient that assumes the current conditions as of the balance sheet date do not change for the remaining life of the asset when estimating expected credit losses. We adopted ASU 2025-05 effective January 1, 2026 on a prospective basis. The adoption did not have a material impact on our financial statements.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

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+ Details

Senior Debt - Scheduled Maturity Dates of Outstanding Senior Debt (Details)	Mar. 31, 2026 USD ($)
Senior Debt [Line Items]
2026	$ 0
2027	0
2028	0
2029	135,000,000
2030	0
Thereafter	870,625,000
Outstanding Senior debt	1,005,625,000
ABL Credit Facility
Senior Debt [Line Items]
2026	0
2027	0
2028	0
2029	135,000,000
2030	0
Thereafter	0
Outstanding Senior debt	135,000,000.0
Term Loan Facility
Senior Debt [Line Items]
2026	0
2027	0
2028	0
2029	0
2030	0
Thereafter	870,625,000
Outstanding Senior debt	$ 870,625,000

Other Gains and Charges - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended
	Jan. 31, 2025	Mar. 31, 2026	Mar. 31, 2025	Feb. 17, 2021
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		$ 38,423	$ 43,297
Estimated Settlement Accruals
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		3,500	10,000
Accelerated stock compensation
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		0	1,599
incurred litigation and defense expenses
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		500	600
Acima Holdings
Unusual or Infrequent Item, or Both [Line Items]
Other intangible assets				$ 520,000
Acima Holdings \| Software [Member]
Unusual or Infrequent Item, or Both [Line Items]
Property assets				$ 170,000
Acima Holdings \| Acima acquired assets depreciation [Member]
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		4,000	4,000
Acima Holdings \| Acima acquired assets amortization
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		11,000	10,900
Brigit Acquisition
Unusual or Infrequent Item, or Both [Line Items]
Other intangible assets	$ 152,300
Property assets	$ 65,311
Stock consideration, shares	2,700,000
Business Acquisition, Value of Common Stock Shares issued, unvested	$ 39,100
Brigit Acquisition \| Software [Member]
Unusual or Infrequent Item, or Both [Line Items]
Property assets	$ 65,100
Brigit Acquisition \| Restricted share units [Member]
Unusual or Infrequent Item, or Both [Line Items]
Stock consideration, shares	1,313,331
Brigit \| Brigit stock compensation expense
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		4,700	4,100
Brigit \| Brigit replacement awards and other compensation
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		5,495	1,095
Brigit \| Brigit acquired assets amortization
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		3,900	2,600
Brigit \| Depreciation [Member]
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		2,300	1,600
Brigit \| Brigit transaction costs
Unusual or Infrequent Item, or Both [Line Items]
Other gains and charges		$ 0	6,218
Business Combination, Acquisition Related Costs Recognized			$ 6,200

Contingencies	3 Months Ended
Contingencies	Mar. 31, 2026
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies Given the nature of our businesses and the heavily regulated industries in which we operate, we, along with our subsidiaries, are party to various legal proceedings and governmental inquiries and investigations. Certain legal proceedings and governmental inquiries and investigations involving us or our subsidiaries are described below. In addition to the matters described below, we are also party to other legal proceedings and governmental inquiries and investigations involving us or our subsidiaries that we believe, based on our current knowledge, will not have a material adverse effect on our business or our consolidated results of operations, financial condition or liquidity, including arbitrations, litigation, putative class actions and other matters alleging various types of claims, including those based on consumer regulatory, contract, labor and employment and other alleged claims. However, in light of the uncertainties involved in such matters, including the fact that some pending legal proceedings are at preliminary stages or seek an indeterminate amount of damages, penalties, fines or other relief, it is possible that the outcome of one or more legal proceedings could have a material adverse impact on our results of operations. We regularly monitor developments related to our legal proceedings and governmental inquiries and investigations, determine whether a reserve is appropriate if the loss is both probable and reasonably estimable, and review the adequacy of our reserves for such matters on a quarterly basis. As a result, we do not have reserves for all matters with respect to which we may or will have future liability, and no assurance can be given that our reserves, when recorded, will be adequate to cover the full amount of any loss we may ultimately incur. In addition, certain of these matters involve demands for monetary relief and changes to our business practices that could materially and adversely impact our business, financial condition and results of operations were we to agree to them as part of a settlement or be subject to them following an adverse result in litigation. At March 31, 2026 and December 31, 2025, we had estimated legal accruals of $74.2 million and $72.0 million, respectively, included in accrued liabilities in our Condensed Consolidated Balance Sheet for pending legal and regulatory matters for which we believe losses are probable and the amount of the loss can be reasonably estimated. Included in the $74.2 million estimated legal accrual at March 31, 2026 are (1) the previously agreed McBurnie litigation settlement payment, which was paid in April 2026 as described below, and (2) the ultimate cash amounts that we currently expect to pay as part of the Multistate and District of Columbia Attorneys’ General matters described further below if we are able to enter a final, binding settlement agreement with the Multistate, which cannot be assured. However, as of the date of this Quarterly Report on Form 10-Q, other than as stated in the immediately preceding sentence with respect to the McBurnie litigation and the Multistate and District of Columbia Attorneys’ General matters, we cannot reasonably predict the ultimate resolution of our pending legal proceedings, governmental inquiries and investigations (which include, but are not limited to, the matters discussed below) and, therefore, are unable to estimate a range of losses related to these matters that may be reasonably possible to occur. In addition to our estimated legal accruals, as of March 31, 2026 we have incurred legal and other related expenses, and expect to incur substantial additional legal and related expenses, associated with the litigation and investigations discussed below and other pending legal matters. Unclaimed Property. We are subject to unclaimed property audits by states in the ordinary course of business. The property subject to review in the audit process includes unclaimed wages, vendor payments and customer refunds. State escheat laws generally require entities to report and remit abandoned and unclaimed property to the state. Failure to timely report and remit the property can result in assessments that could include interest and penalties, in addition to the payment of the escheat liability itself. We routinely remit escheat payments to states and believe we are in compliance with applicable escheat laws. Multistate and District of Columbia Attorneys’ General Investigations. In November 2021, Acima received a letter from the Nebraska Attorney General’s office stating that the Attorney General of Nebraska, along with a coalition of thirty-eight state Attorneys General, initiated a multistate investigation into the business acts and practices of Acima and that a civil investigative demand(s) and/or subpoena(s) pursuant to respective state consumer protection laws will be forthcoming. Since receiving the letter, we have held multiple discussions and attended meetings with officials at many of the applicable attorneys’ general offices, including members of the Executive Committee, which is leading the negotiations on behalf of the multistate group (the “Multistate”). Based on our engagement with the Multistate, it is our understanding that the investigation involves forty-three states. The District of Columbia was formerly a member of the Multistate and part of the Executive Committee, but withdrew from the Multistate and presented a separate settlement demand. In the second quarter 2024, Acima received an initial settlement proposal from the Multistate. Since then, the parties have engaged in conversations regarding a potential resolution and Acima has responded to the Multistate’s and District of Columbia’s settlement proposals and monetary demands. In September 2025, we reached a non-binding agreement in principle with the District of Columbia’s Attorney General’s office regarding the primary monetary and injunctive terms of a potential settlement, and we reached a final settlement agreement with the District of Columbia’s Attorney General’s office in the first quarter 2026. We also believe we are nearing a non-binding agreement in principle with the Executive Committee of the Multistate matter regarding the primary monetary and injunctive terms of a potential settlement, although any final binding settlement remains subject to negotiation and execution of definitive settlement agreements with each of the states in the Multistate, which we cannot assure you will be achieved. As of the date of this Quarterly Report on Form 10-Q, we are continuing to actively discuss the potential resolution of these matters with the Multistate with the objective of finalizing settlement agreements in the near term. We are unable to provide assurance that we will be able to reach final binding settlement agreements with the Multistate. If we are able to reach final binding settlement agreements in the Multistate matter, we expect that any potential settlement of such matters would include monetary relief, reporting and other provisions, including a release of claims by the Attorneys’ General offices and injunctive relief regarding various aspects of Acima’s business. If, however, we are unable to reach final binding settlement agreements, some or all of such states may commence legal proceedings against Acima. We cannot provide any assurance that any adverse result in litigation will not require a monetary payment and/or changes to Acima’s business practices or operations that could materially and adversely affect our business, financial condition, results of operations or reputation. New York Attorney General Litigation. The New York Attorney General (the “NYAG”) issued a subpoena to our Acima subsidiary in January 2020, prior to our acquisition of Acima, seeking information with respect to various business practices in connection with Acima’s lease-to-own transactions. Acima received additional subpoenas from the NYAG in August 2021 and July 2023. Acima cooperated with the NYAG throughout its investigation. In March 2023, the NYAG provided Acima with a proposed assurance of discontinuance alleging violations of certain consumer laws, seeking injunctive relief regarding certain business practices, and seeking payment of unspecified amounts for restitution and civil penalties. In April 2023, Acima submitted its response to the NYAG’s proposed assurance of discontinuance. In February 2024, Acima provided a settlement proposal to the NYAG. In March 2024, the NYAG presented Acima with an initial monetary demand for settlement purposes. On August 14, 2024, despite Acima’s cooperation with the investigation and its active engagement in settlement discussions with the NYAG, the NYAG filed a lawsuit against Acima in the Supreme Court of the State of New York, County of New York. The lawsuit alleges violations of various consumer financial protection laws and regulations similar to those set forth in the NYAG’s March 2023 proposed assurance of discontinuance. The lawsuit seeks injunctive relief, unspecified monetary relief and civil penalties and other relief. Acima filed a motion to dismiss the NYAG’s lawsuit. As of the date of filing this Quarterly Report on Form 10-Q, the trial court has not yet ruled on Acima’s motion to dismiss. Acima will continue to vigorously defend itself against the NYAG’s lawsuit. We cannot provide any assurance that Acima will be successful in defending against the NYAG’s litigation or that an adverse result in litigation will not require a monetary payment and/or changes to Acima’s business practices or operations that could materially and adversely affect our business, financial condition, results of operations or reputation. McBurnie Litigation Settlement. We were a defendant in a certified class action entitled McBurnie, et al. v. Acceptance Now, LLC, brought on behalf of individuals who entered into a rental purchase agreement with the Company’s former Acceptance Now business in California and were charged a processing fee and/or an expedited fee. Plaintiffs alleged that the fees they were charged were neither “reasonable” nor “actually incurred” in violation of the Karnette Rental-Purchase Act and other California state consumer protection laws. The action was pending in the United States District Court for the Northern District of California. In June 2025, the District Court certified a class of consumers who were charged a processing fee in California within the class period and scheduled a trial date for January 2026. In July 2025, the parties reached an agreement in principle to settle the class action. We denied the allegations in the case and we did not admit to any violations of law or any wrongdoing. In addition, there was no adjudication regarding the claims and allegations in the lawsuit. However, to avoid additional expense, risk and distractions associated with further protracted litigation, the parties agreed to settle the litigation. In August 2025, the parties executed a definitive class-wide settlement agreement, which provided for a cash payment by the Company of $14.0 million, which was fully reserved for as of March 31, 2026 as an estimated loss contingency in our consolidated financial statements. The settlement agreement was approved by the District Court and payment of the settlement amount was made in April 2026.

Earnings Per Common Share (Tables)

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Earnings Per Common Share

Summarized basic and diluted earnings per common share were calculated as follows:


	Three Months Ended March 31,
(in thousands, except per share data)		2026		2025
Numerator:
Net earnings		$	35,789	$	24,793
Denominator:
Weighted-average shares outstanding		57,534		55,945
Effect of dilutive stock awards(1)		1,312		2,413
Weighted-average dilutive shares		58,846		58,358

Basic earnings per common share		$	0.62	$	0.44
Diluted earnings per common share(1)		$	0.61	$	0.42
Anti-dilutive securities excluded from diluted earnings per common share:
Anti-dilutive restricted share units		704		1
Anti-dilutive performance share units		—		463
Anti-dilutive stock options		345		107

(1) Weighted-average dilutive shares outstanding for the three months ended March 31, 2026 and 2025 includes approximately 0.6 million and 1.3 million, respectively, common shares issued in connection with the acquisition of Brigit and subject to vesting conditions under restricted stock agreements.

Revenues

3 Months Ended

Mar. 31, 2026

Revenues [Abstract]

Revenues

The following tables disaggregate our revenue for the periods ended March 31, 2026 and 2025:


	Three Months Ended March 31, 2026
	Acima		Rent-A-Center		Brigit		Mexico		Consolidated
(in thousands)
Rentals and fees	$	489,659	$	406,146	$	—	$	20,620	$	916,425
Merchandise sales	158,702		70,564		—		940		230,206
Subscriptions and fees	—		—		67,670		—		67,670
Other	329		4,895		—		204		5,428
Total revenues	$	648,690	$	481,605	$	67,670	$	21,764	$	1,219,729


	Three Months Ended March 31, 2025
	Acima		Rent-A-Center		Brigit		Mexico		Consolidated
(in thousands)
Rentals and fees	$	477,047	$	404,975	$	—	$	17,190	$	899,212
Merchandise sales	159,952		75,518		—		775		236,245
Subscriptions and fees	—		—		31,861		—		31,861
Other	288		8,532		—		225		9,045
Total revenues	$	637,287	$	489,025	$	31,861	$	18,190	$	1,176,363

Lease Purchase Agreements

Rentals and Fees. Rental merchandise is leased to customers pursuant to lease-to-own agreements, which provide for weekly, bi-weekly, semi-monthly or monthly terms with non-refundable lease payments. At the expiration of each lease term, customers may renew the lease-to-own agreement for the next lease term. The customer has the right to acquire title of the merchandise either through an early purchase option or through payment of all optional lease renewal terms. Customers can terminate the lease-to-own agreement and return the product at the end of any lease term without penalty. Therefore, lease-to-own agreements are accounted for as operating leases.

Lease payments received at our company-owned Rent-A-Center stores, certain Acima locations formerly operating under the Acceptance Now brand, and Mexico stores must be prepaid in advance of the next lease renewal term. Under the Acima Holdings business model, in certain cases revenues may be earned prior to the lease payment due date, in which case revenue is accrued prior to receipt of the lease payment, net of estimated returns and uncollectible renewal payments. Under both models, rental revenue is recognized over the lease term. See Note 4 for additional information regarding accrued lease revenue.

Cash received for rental payments, including fees, prior to the period in which it should be recognized, is deferred and recognized according to the lease term. At March 31, 2026 and December 31, 2025, we had $60.6 million and $62.1 million, respectively, in deferred revenue included in accrued liabilities related to our lease-to-own agreements. Revenues related to various payments, reinstatement or late fees are recognized when paid by the customer at the point service is provided. Rental merchandise in our company-owned Rent-A-Center stores, certain Acima locations formerly operating under the Acceptance Now brand, and Mexico stores is depreciated using the income forecasting method and recognized in cost of rentals and fees in our Condensed Consolidated Statements of Operations over the lease term. Lease merchandise under Acima Holdings is depreciated over the lease term using a straight-line depreciation method. Under the income forecasting method, the consumption of lease merchandise occurs during periods of rental and depreciation directly coincides with the receipt of rental revenue over the lease-to-own contract period. Depreciation under the straight-line method is recognized each period over the term of the lease-to-own contract irrespective of receipt of revenue payments from the customer.

We also offer additional optional product plans along with our lease-to-own agreements which provide customers with liability protection against significant damage or loss of a product, and club membership benefits, including various discount programs and product service and replacement benefits in the event merchandise is damaged or lost, and payment waivers in the event eligible customers become unemployed. Customers renew product plans in conjunction with their lease term renewals, and can cancel the plans at any time. We do not separate the lease and non-lease components for lease purchase agreements so revenue

for product plans is recognized over the term of the current term of the lease. Costs incurred related to product plans are primarily recognized in cost of revenues.

Revenue from contracts with customers

Merchandise Sales. Revenue for merchandise sales is recognized when payment is received and ownership of the merchandise passes to the customer. Merchandise sales include payments received for the exercise of the early purchase options offered through our lease-to-own agreements or merchandise sold through point-of-sale transactions. The remaining net value of lease merchandise sold is recorded to cost of merchandise sold at the time of the transaction. Revenue from the sale of lease merchandise to our franchisees is recognized upon shipment of the merchandise to the franchisee.

Revenue from the sale of merchandise in our retail installment stores is recognized when the installment note is signed and control of the merchandise has passed to the customer. The cost of merchandise sold through installment agreements is recognized at the time of the transaction. We offer optional extended service plans with our installment agreements which are administered by third parties and provide customers with product maintenance beyond the term of the installment agreement. Payments received for extended service plans are deferred and recognized, net of related costs, when the installment payment plan is complete and the service plan goes into effect. Customers can cancel extended service plans at any time during the installment agreement period and receive a refund for payments previously made towards the plan. At March 31, 2026 and December 31, 2025, the amount of deferred revenue included in accrued liabilities related to extended service plans was inconsequential to our financial statements.

Subscriptions and fees. Subscription payments in our Brigit segment are received on a monthly basis from customers who upgrade to a Plus or Premium subscription tier via the Brigit mobile application and/or web browser. Depending on the optional subscription tier, the customer gains access to some or all of the following services: Credit Monitoring, Credit Builder, Identity Theft Protection, and more. This payment can range based on a variety of factors and higher cost tiers generally offer additional services. Brigit continually fulfills obligations to each customer over the subscription term. The series of distinct services represent a single performance obligation that is satisfied over time. Revenue for the Plus and Premium subscription tiers are recognized over the subscription term. Customers pay subscriptions at the end of the term. Price concessions are granted to customers who have insufficient funds and are unable to make subscription payments when they are due.

We also receive payments from customers who request their cash advance be delivered faster for an optional expedited transfer fee. Such expedited transfer fee payments from customers are recognized as revenue over the expected term of the associated customer cash advance. We also serve offers from our marketplace partners’ products and services in our Deals & Offers section of our mobile application. We receive a payment from our partners based on contractual terms, generally on the basis of customer traffic or conversions brought to such products or services. Marketplace revenues are recognized as customer traffic is added and conversions to the marketplace partners’ products and services occur.

Other. Other revenue primarily consists of franchise royalties, including franchisee contributions to corporate advertising funds, which represent sales-based royalties calculated as a percentage of gross rental payments and sales. Royalty revenue is accrued and recognized as lease payments and merchandise sales occur. Franchise fees are initial fees charged to franchisees for new or converted franchise stores. Franchise fee revenue is recognized on a straight-line basis over the term of the franchise agreement. At March 31, 2026 and December 31, 2025, we had $1.2 million and $1.4 million, respectively, in deferred revenue included in accrued liabilities related to franchise fees.

Other revenue also includes revenues generated by other miscellaneous product plans offered to our lease-to-own and installment customers. Revenue for other product plans is recognized in accordance with the terms of the applicable plan agreement.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 12
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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-Paragraph 12
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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-Paragraph 13
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/606/tableOfContent

+ Details

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Revenues
Rentals and fees	$ 916,425	$ 899,212
Merchandise sales	230,206	236,245
Subscriptions and fees	67,670	31,861
Other	5,428	9,045
Total revenues	1,219,729	1,176,363
Cost of revenues
Cost of rentals and fees	357,627	352,546
Cost of merchandise sold	267,892	269,682
Cost of subscriptions and fees	7,748	4,006
Total cost of revenues	633,267	626,234
Gross profit	586,462	550,129
Operating expenses
Operating labor	149,110	149,167
Non-labor operating expenses	250,262	219,011
General and administrative expenses	57,090	63,787
Depreciation and amortization	14,139	12,252
Other gains and charges	38,423	43,297
Total operating expenses	509,024	487,514
Operating profit	77,438	62,615
Interest expense	26,881	27,798
Interest income	(714)	(694)
Earnings before income taxes	51,271	35,511
Income tax expense	15,482	10,718
Net earnings	$ 35,789	$ 24,793
Basic earnings per common share	$ 0.62	$ 0.44
Diluted earnings per common share	$ 0.61	$ 0.42

Condensed Consolidated Statement of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Foreign currency translation tax adjustment	$ (66)	$ (20)

Senior Notes	3 Months Ended
Senior Notes	Mar. 31, 2026
Subsidiary Guarantors - Senior Notes [Abstract]
Senior Notes	Senior Notes On February 17, 2021, we issued $450 million in senior unsecured notes all of which are due February 15, 2029, at par value, bearing interest at 6.375% (the “Notes”), the proceeds of which were used to fund a portion of the consideration upon closing of the Acima Holdings acquisition. Interest on the Notes is payable in arrears on February 15 and August 15 of each year. In connection with the issuance of the Notes, we incurred approximately $15.7 million in debt issuance costs, including bank financing fees and third party legal and other professional fees, which were capitalized in accordance with ASC Topic 470, “Debt” and recorded as a reduction of our outstanding Notes in our Condensed Consolidated Balance Sheets. Debt issuance costs are amortized as interest expense over the term of the Notes. As of March 31, 2026, the total remaining balance of unamortized debt issuance costs related to our Notes reported in the Condensed Consolidated Balance Sheets was approximately $5.7 million. We may redeem some or all of the Notes at any time for cash at the redemption prices set forth in the indenture governing the Notes, plus accrued and unpaid interest to, but not including, the redemption date. If we experience specific kinds of change in control, we will be required to offer to purchase the Notes at a price equal to 101% of the principal amount thereof plus accrued and unpaid interest. The Notes are our general unsecured senior obligations, and are effectively subordinated to all of our existing and future secured indebtedness to the extent of the value of the collateral securing such indebtedness, structurally subordinated to all existing and future indebtedness and other liabilities of our non-guarantor subsidiaries, equal in right of payment to all of our and our guarantor subsidiaries’ existing and future senior unsecured indebtedness and senior in right of payment to all of our future subordinated indebtedness, if any. The Notes are jointly and severally guaranteed on a senior unsecured basis by certain of our domestic subsidiaries that have outstanding indebtedness or guarantee other specified indebtedness, including the ABL Credit Facility and the Term Loan Facility. The indenture governing the Notes contains covenants that limit, among other things, our ability and the ability of some of our restricted subsidiaries to create liens, transfer or sell assets, incur indebtedness or issue certain preferred stock, pay dividends, redeem stock or make other distributions, make other restricted payments or investments, create restrictions on payment of dividends or other amounts to us by our restricted subsidiaries, merge or consolidate with other entities, engage in certain transactions with affiliates and designate our subsidiaries as unrestricted subsidiaries. These covenants are subject to a number of exceptions and qualifications. The covenants limiting restricted payments, restrictions on payment of dividends or other amounts to us by our restricted subsidiaries, the ability to incur indebtedness, asset dispositions and transactions with affiliates will be suspended if and while the Notes have investment grade ratings from any two of Standard & Poor’s Ratings Services, Moody’s Investors Service, Inc. and Fitch, Inc. The indenture governing the Notes also provides for events of default, which, if any of them occurs, would permit or require the principal, premium, if any, and interest on all the then outstanding Notes to be due and payable.

Receivables and Allowance for Doubtful Accounts

3 Months Ended

Mar. 31, 2026

Receivables and Allowance for Doubtful Accounts [Abstract]

Receivables and Allowance for Doubtful Accounts

Trade and notes receivables consist of amounts due from our lease-to-own customers for lease renewal payments and past due uncollected lease payments, adjusted for the probability of collection based on our assessment of historical collection rates and length of time the receivable is past due; amounts owed from our franchisees for inventory purchases, earned royalties and other obligations; and other miscellaneous and corporate related receivables. Credit is extended to franchisees based on an evaluation of each franchisee’s financial condition and collateral is generally not required. Trade receivables are generally due within 30 days.

Installment sales receivables consist primarily of receivables due from customers for the sale of merchandise in our retail installment stores. Installment sales receivables associated with the sale of merchandise at our Get It Now and Home Choice stores generally consist of the sales price of the merchandise purchased and any additional fees for optional services the customer has chosen, less the customer’s down payment. No interest is accrued and interest income is recognized each time a

customer makes a payment, generally on a monthly basis. Interest payments received on installment agreements for both the three months ended March 31, 2026 and 2025 were $2.5 million, included in our merchandise sales revenues in our Condensed Consolidated Statements of Operations.

Customer cash advances consist of earned wage access advances provided to Brigit customers when requested. By leveraging cash flow information from the customer’s bank account as well as customer verified income information, Brigit’s algorithm assesses their earned income and ability to repay, with no FICO or credit check needed and no impact on credit scores. Generally customers repay cash advances on or shortly after they receive their next paycheck.

Receivables consist of the following:


(in thousands)	March 31, 2026		December 31, 2025
Trade and notes receivables(1)	$	104,712	$	112,490
Installment sales receivables	57,088		61,389
Customer cash advances	63,686		58,976
Total receivables	225,486		232,855
Less allowance for doubtful accounts(2)	(30,107)		(29,661)
Total receivables, net of allowance for doubtful accounts	$	195,379	$	203,194

(1) Trade and notes receivables includes accrued revenue, adjusted for the probability of collection, related to our lease-to-own agreements of $56.3 million and $55.9 million at March 31, 2026 and December 31, 2025, respectively, including $53.1 million and $51.9 million related to lease-to-own agreements for Acima Holdings and $2.9 million and $3.6 million related to lease-to-own agreements for Rent-A-Center at March 31, 2026 and December 31, 2025, respectively.

(2) Lease receivables are accrued on a net basis, adjusted for the probability of collection based on our assessment of historical collection rates, as described above. Therefore, we do not maintain a separate allowance for doubtful accounts related to our lease receivables.

The allowance for our franchising trade and notes receivables is determined by considering a number of factors, including the length of time receivables are past due, previous loss history, the franchisee’s current ability to pay its obligation, and the condition of the general economy and the industry as a whole. Trade receivables that are more than 90 days past due are either written-off or fully reserved in our allowance for doubtful accounts. Payments subsequently received on such receivables are recognized as contra-bad debt expense in our Condensed Consolidated Statements of Operations.

We have established an allowance for doubtful accounts for our installment notes receivable. Our policy for determining the allowance is primarily based on historical loss experience, as well as the results of management’s review and analysis of the payment and collection of the installment notes receivable within the previous year. Our allowance is adequate to absorb all expected losses. Our policy is to charge off installment notes receivable that are 120 days or more past due. Charge-offs are applied as a reduction to the allowance for doubtful accounts and any recoveries of previously charged off balances are recognized as contra-bad debt expense in our Condensed Consolidated Statements of Operations.

We estimate the allowance for customer cash advance losses based on a number of factors, including the length of time receivables are past due, previous loss history and current economic conditions. The allowance for credit losses is recognized upon origination of customer cash advances. Customer cash advances are charged-off 45 days past their due date as a reduction to the allowance for doubtful accounts and any recoveries of previously charged off balances are recognized as contra-bad debt expense in our Condensed Consolidated Statements of Operations.

The allowance for doubtful accounts related to franchising trade and notes receivables was $12.9 million and $12.7 million at March 31, 2026 and December 31, 2025, respectively, the allowance for doubtful accounts related to installment sales receivables was $12.3 million and $11.1 million at March 31, 2026 and December 31, 2025, respectively, and the allowance for doubtful accounts related to Brigit customer cash advances was $4.9 million and $5.9 million at March 31, 2026 and December 31, 2025, respectively.

Changes in our allowance for doubtful accounts are as follows:


(in thousands)	March 31, 2026
Beginning allowance for doubtful accounts	$	29,661
Bad debt expense(1)	21,949

Accounts written off, net of recoveries	(21,503)
Ending allowance for doubtful accounts	$	30,107

(1) Uncollectible installment payments, franchisee obligations, customer cash advances and other corporate receivables are recognized in non-labor operating expenses in our condensed consolidated financial statements.

The details of Brigit customer cash advances aging are as follows:


	March 31, 2026
($ in thousands)	Amount		Percent
0-15 days	$	47,029	74	%
16-30 days	10,573		17	%
31-45 days	4,080		6	%
45+ days	2,004		3	%
Customer cash advances before allowance for doubtful accounts	$	63,686	100.0	%


	December 31, 2025
($ in thousands)	Amount		Percent
0-15 days	$	44,077	75	%
16-30 days	9,844		17	%
31-45 days	3,731		6	%
45+ days	1,324		2	%
Customer cash advances before allowance for doubtful accounts	$	58,976	100.0	%

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Receivables and Allowance for Doubtful Accounts - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Receivables [Line Items]
Interest paid on installment agreements	$ 2,500	$ 2,500
Allowance for doubtful accounts	30,107		$ 29,661
Trade and notes receivables
Receivables [Line Items]
Allowance for doubtful accounts	12,900		12,700
Installment sales receivable
Receivables [Line Items]
Allowance for doubtful accounts	12,300		11,100
Customer cash advances
Receivables [Line Items]
Allowance for doubtful accounts	$ 4,900		$ 5,900

Acquisitions and Divestitures - Estimated Fair Values of the Identifiable Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands, shares in Millions		3 Months Ended
	Jan. 31, 2025	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Business Combination, Consideration Transferred [Abstract]
Acquisitions of businesses, net of cash acquired		$ 0	$ (274,878)
ASSETS ACQUIRED
Goodwill		$ 488,158		$ 488,158
LIABILITIES ASSUMED
Cash Acquired from Acquisition	$ 58,600
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Gross Contractual Receivables	43,800
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Gross Contractual Receivables That Are Estimated Uncollectible	4,500
Brigit Acquisition
Business Combination, Consideration Transferred [Abstract]
Acquisitions of businesses, net of cash acquired	(277,668)
Business Combination, Consideration Transferred, Equity Interest	41,019
Business Combination, Consideration Transferred, Tangible and Intangible Assets, Excluding Cash	76,691
Business Combination, Consideration Transferred	395,378
ASSETS ACQUIRED
Brigit, Receivable acquired	44,470
Brigit, Prepaid Expense and Other Asset, acquired	2,672
Property assets	65,311
Operating lease right-of-use assets	850
Goodwill	196,866
Other intangible assets	152,300
Business Combination, Recognized Asset Acquired, Asset	462,469
LIABILITIES ASSUMED
Brigit, Assumed, Accounts Payable	(17,989)
Brigit, Assumed, Accrued liabilities	(3,877)
Brigit, Assumed, Lease Liability	(850)
Brigit, Assumed, Deferred Tax Liability	(44,375)
Total liabilities assumed	67,091
Net assets acquired	395,378
Business Combination, Consideration Transferred, Maximum Amount Payable For Award Agreement	7,800
Business Combination, Consideration Transferred, Debt Settlement And other Transaction Costs	$ 63,700
Business Acquisition, Number of Common Stock Shares issued, unvested	1.3
Business Acquisition, Value of Common Stock Shares issued, unvested	$ 39,100

Acquisitions and Divestitures

3 Months Ended

Mar. 31, 2026

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Acquisitions and Divestitures

Acquisitions

Brigit Acquisition

On December 12, 2024, we entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Fortuna Merger Sub, Inc., a Delaware corporation and wholly owned subsidiary of the Company (“Merger Sub”), Brigit, and Shareholder Representative Services LLC, solely in its capacity as the representative, agent and attorney-in-fact of Brigit’s securityholders, pursuant to which Merger Sub merged with and into Brigit (the “Merger”), with Brigit surviving the Merger as a wholly owned subsidiary of the Company. The Merger with Brigit, a leading holistic financial health technology company, is intended to accelerate Upbound’s strategy to provide technology-driven financial solutions to customers underserved by the traditional financial system. The Merger was completed on January 31, 2025 for total purchase consideration of approximately $395.4 million comprised of stock, cash and other consideration described further below.

In accordance with the Merger Agreement, we issued to the security holders of Brigit (the “Brigit Securityholders”) approximately 2.7 million shares of our common stock, par value $0.01 per share (the “Closing Stock Consideration”), with a value of $29.75 per share based on the volume-weighted average price of our common stock over the ten consecutive trading days ending on (and including) the trading day immediately prior to the Closing Date, and paid to them closing cash consideration of approximately $278.5 million (“Closing Cash Consideration”), excluding approximately $63.7 million in debt settlement payments and other transaction expenses.

We also entered into deferred cash award agreements with certain Brigit employees to replace their unvested Brigit stock options or unvested phantom awards, as applicable (“Replacement Awards”), each entitling the holder to receive an amount in cash upon vesting equal to the excess of the merger consideration per common share over the exercise price of the original award. The maximum amount payable pursuant to the Replacement Awards, approximately $7.8 million, which is included in the Closing Cash Consideration described above, was escrowed on the Closing Date and recorded to Prepaid and other assets in our Condensed Consolidated Balance Sheet. The Replacement Awards are subject to vesting conditions that are substantially similar to those of the original awards. They will be amortized over the remaining award vesting periods as compensation expense and recorded to other gains and charges in our unaudited Condensed Consolidated Statements of Operations.

Pursuant to the terms of the Merger Agreement, we will also pay the Brigit Securityholders $75 million, payable in multiple installments (the “Deferred Consideration”), $37.5 million of which will be payable 30 days following the first anniversary of the Closing Date and the remainder of which will be payable no later than 30 days following the second anniversary of the Closing Date. The payment of the Deferred Consideration is subject to acceleration if certain acceleration events specified in the Merger Agreement occur prior to the payment of the Deferred Consideration. The estimated fair value of the Deferred Consideration at the Closing Date was approximately $66.1 million, discounted to estimate the present value of the installment payments that will be made over a 2-year period as described above. The Brigit Securityholders may also receive up to $60 million in earnout payments based on the achievement of certain financial performance metrics for the Brigit business in 2026. The estimated fair value of the earnout payments at the Closing Date was approximately $10.6 million. The fair value of

the earnout payments was estimated using a Monte Carlo simulation model based on our estimated long range cash flow projections for the Brigit business.

The portion of Closing Stock Consideration issued to Brigit’s co-founders and certain of their respective affiliates (collectively, the “Co-Founders”) included approximately 1.3 million shares, valued at $39.1 million, which are subject to certain vesting restrictions over a two-year period from the Closing Date and other limitations set forth in a restricted stock agreement entered into with each such Co-Founder. The value of these shares is recognized as stock-based compensation expense subject to ASC Topic 718, “Stock-based Compensation”, over the required vesting period, and recorded to other gains and charges in our unaudited Condensed Consolidated Statements of Operations.

Assets acquired and liabilities assumed in connection with the acquisition have been recorded at their fair values. The following table provides the estimated fair values of the identifiable assets acquired and liabilities assumed as of the acquisition date:


(in thousands)	January 31, 2025
Aggregate cash consideration(1)	$	277,668
Aggregate stock consideration(2)	41,019
Other consideration(3)	76,691
Total purchase consideration	$	395,378
ASSETS ACQUIRED
Receivables, net(4)	$	44,470
Prepaid expenses and other assets	2,672


Property assets	65,311
Operating lease right-of-use assets	850

Goodwill	196,866
Other intangible assets	152,300
Total assets acquired	$	462,469
LIABILITIES ASSUMED
Accounts payable - trade	$	17,989
Accrued liabilities	3,877
Operating lease liabilities	850
Deferred income taxes	44,375
Total liabilities assumed	67,091
Net assets acquired	$	395,378

(2) Aggregate stock consideration excludes approximately 1.3 million shares valued at approximately $39.1 million subject to certain vesting restrictions, as described further above.

(4) Includes gross contractual receivables of $43.8 million related to customer cash advances, of which $4.5 million were estimated to be uncollectible as of the Closing Date.

The carrying values for certain assets and liabilities assumed as part of the acquisition, including receivables, prepaid expenses and other assets, accounts payable and accrued liabilities were considered equivalent to and recorded as fair value, as of the date of acquisition, due to the short-term nature of these balances. Operating lease right-of-use assets and liabilities were recorded as the discounted value of future obligations in accordance with ASC Topic 842, “Leases”. The fair value measurements for acquired intangible assets and developed technology were primarily based on significant unobservable inputs (Level 3) developed using company-specific information. Certain fair values were determined based on an independent valuation of the net assets acquired, including $152.3 million of identifiable intangible assets with an estimated weighted average useful life of nine years, as follows:


Asset Class	Estimated Fair Value (in thousands)		Estimated Remaining Useful Life (in years)
Customer contracts	$	144,500	10
Trade name	7,800		7

Developed technology, included in Property assets, net, in line with our accounting policies, was also acquired with a value of $65.1 million and an estimated remaining useful life of seven years. The fair value for these intangibles and developed technology were estimated using common industry valuation methods for similar asset types, including the relief-from-royalty, excess earnings and replacement cost methods using significant unobservable inputs (level 3) based on the Company's historical financial results, cost estimates and projected future cash flows discounted by an estimated weighted average cost of capital.

In addition, we recorded goodwill of $196.9 million in our Brigit operating segment, which consists of the excess of the net purchase price over the fair value of the net assets acquired. Goodwill represents expected cost and revenue synergies and other benefits expected to result within our financial health business from the acquisition of Brigit.

Brigit’s results of operations are reflected in our unaudited Condensed Consolidated Statements of Operations from the Closing Date.

In the second quarter of 2025, we recorded adjustments to certain assets acquired and liabilities assumed related to post-closing updates in net working capital and adjustments to deferred income taxes resulting in an overall decrease to goodwill of approximately $1.3 million. The purchase price allocation for the Brigit acquisition was complete as of December 31, 2025.

In connection with this acquisition, we have incurred approximately $10.3 million in acquisition-related expenses including expenses related to legal, professional, and banking transaction fees. These costs were included in other gains and charges in our unaudited Condensed Consolidated Statements of Operations.

The following unaudited pro forma combined results of operations present our financial results as if the acquisition of Brigit had been completed on January 1, 2024. These unaudited pro forma results may not necessarily reflect the actual results of operations that would have been achieved, nor are they necessarily indicative of future results of operations. The unaudited pro forma information reflects step-up and step-down adjustments for depreciation and amortization of $1.8 million for the fair value of the assets acquired, compensation expense of $0.9 million as a result of Closing Stock Consideration and Replacement Awards subject to vesting provisions, interest expense of $1.4 million due to the elimination of historical debt, accreted interest of $0.4 million related to the Deferred Consideration, and an adjustment to income tax expense of $1.8 million for the three months ended March 31, 2025. In addition, pro forma net income for the three months ended March 31, 2025 has been adjusted to reflect transaction expenses incurred of $22.5 million as of January 1, 2024. The unaudited pro forma financial information is as follows:


	Three Months Ended March 31,
(in thousands)	2025

Pro Forma total revenues	$	1,192,417
Pro Forma net earnings (loss)(1)	31,739

(1) Total pro forma adjustments to net earnings (loss) represented an increase of $6.9 million for the three months ended March 31, 2025.

The amounts of revenue and earnings of Brigit included in our Condensed Consolidated Statements of Operations from the acquisition date of January 31, 2025 are as follows:


(in thousands)	January 31, 2025 - March 31, 2025

Total revenues	$	31,861
Net earnings(1)	5,513

(1)Net earnings for the period includes amortization and depreciation of intangible assets and developed technology acquired upon closing of the Brigit acquisition.

- Definition

The entire disclosure for business combination.

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+ Details

Condensed Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive (Loss) Income
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2024		125,797
Equity, Including Portion Attributable to Noncontrolling Interest, Beginning Balance at Dec. 31, 2024	$ 628,984	$ 1,108	$ 1,493,885	$ 1,036,169	$ (1,890,966)	$ (11,212)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net earnings	24,793			24,793
Total other comprehensive loss	(77)					(77)
Exercise of stock options, shares		1
Exercise of stock options	9	$ 0	9
Vesting of restricted share units, net of shares withheld for employee taxes, shares		394
Vesting of restricted share units, net of shares withheld for employee taxes	0	$ 4	(4)
Tax effect of stock awards vested and options exercised	(6,230)		(6,230)
Stock-based compensation	13,279		13,279
Dividends declared	22,602			22,602
Brigit Acquisition		2,694
Brigit acquisition equity consideration	41,057	$ 13	41,044
Equity, Including Portion Attributable to Noncontrolling Interest, Ending Balance at Mar. 31, 2025	679,213	$ 1,125	1,541,983	1,038,360	(1,890,966)	(11,289)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2025		128,886
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Foreign currency translation adjustments, net of tax of $(66) and $(20) for the three months ended March 31, 2026 and 2025, respectively	(77)
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2025		128,997
Equity, Including Portion Attributable to Noncontrolling Interest, Beginning Balance at Dec. 31, 2025	695,740	$ 1,127	1,573,895	1,018,658	(1,890,966)	(6,974)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net earnings	35,789			35,789
Total other comprehensive loss	(249)					(249)
Exercise of stock options, shares		12
Exercise of stock options	146		146
Vesting of restricted share units, net of shares withheld for employee taxes, shares		401
Vesting of restricted share units, net of shares withheld for employee taxes	0	$ 4	(4)
Tax effect of stock awards vested and options exercised	(4,505)		(4,505)
Stock-based compensation	11,625		11,625
Dividends declared	22,814		185	22,999
Equity, Including Portion Attributable to Noncontrolling Interest, Ending Balance at Mar. 31, 2026	715,732	$ 1,131	$ 1,581,342	$ 1,031,448	$ (1,890,966)	$ (7,223)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2026		129,410
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Foreign currency translation adjustments, net of tax of $(66) and $(20) for the three months ended March 31, 2026 and 2025, respectively	$ (249)

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Statement of Financial Position [Abstract]
Allowance for doubtful accounts	$ 30,107	$ 29,661
Property assets, accumulated depreciation	$ 572,881	$ 556,812
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	250,000,000	250,000,000
Common stock, shares, issued (in shares)	129,409,872	128,996,814
Treasury stock (in shares)	71,060,928	71,060,928

- Definition

Amount of accumulated depreciation, depletion, and amortization of property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References + Details

Condensed Consolidated Statement of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Net earnings	$ 35,789	$ 24,793
Foreign currency translation adjustments, net of tax of $(66) and $(20) for the three months ended March 31, 2026 and 2025, respectively	(249)	(77)
Total other comprehensive loss	(249)	(77)
Comprehensive income	$ 35,540	$ 24,716

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

Fair Value (Tables)

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value Measurements

The fair value of our Notes is based on Level 1 inputs and was as follows at March 31, 2026:


	March 31, 2026
(in thousands)	Carrying Value		Fair Value		Difference
Senior notes	$	450,000	$	435,915	$	(14,085)

Receivables and Allowance for Doubtful Accounts (Tables)

3 Months Ended

Mar. 31, 2026

Receivables and Allowance for Doubtful Accounts [Abstract]

Receivables

Receivables consist of the following:


(in thousands)	March 31, 2026		December 31, 2025
Trade and notes receivables(1)	$	104,712	$	112,490
Installment sales receivables	57,088		61,389
Customer cash advances	63,686		58,976
Total receivables	225,486		232,855
Less allowance for doubtful accounts(2)	(30,107)		(29,661)
Total receivables, net of allowance for doubtful accounts	$	195,379	$	203,194

Changes in Allowance for Doubtful Accounts

Changes in our allowance for doubtful accounts are as follows:


(in thousands)	March 31, 2026
Beginning allowance for doubtful accounts	$	29,661
Bad debt expense(1)	21,949

Accounts written off, net of recoveries	(21,503)
Ending allowance for doubtful accounts	$	30,107

The details of Brigit customer cash advances aging are as follows:


	March 31, 2026
($ in thousands)	Amount		Percent
0-15 days	$	47,029	74	%
16-30 days	10,573		17	%
31-45 days	4,080		6	%
45+ days	2,004		3	%
Customer cash advances before allowance for doubtful accounts	$	63,686	100.0	%


	December 31, 2025
($ in thousands)	Amount		Percent
0-15 days	$	44,077	75	%
16-30 days	9,844		17	%
31-45 days	3,731		6	%
45+ days	1,324		2	%
Customer cash advances before allowance for doubtful accounts	$	58,976	100.0	%

Financing Receivable, Past Due

The details of Brigit customer cash advances aging are as follows:


	March 31, 2026
($ in thousands)	Amount		Percent
0-15 days	$	47,029	74	%
16-30 days	10,573		17	%
31-45 days	4,080		6	%
45+ days	2,004		3	%
Customer cash advances before allowance for doubtful accounts	$	63,686	100.0	%


	December 31, 2025
($ in thousands)	Amount		Percent
0-15 days	$	44,077	75	%
16-30 days	9,844		17	%
31-45 days	3,731		6	%
45+ days	1,324		2	%
Customer cash advances before allowance for doubtful accounts	$	58,976	100.0	%

Segment Information

3 Months Ended

Mar. 31, 2026

Segment Information [Abstract]

Segment Information

The operating segments reported below are the segments for which separate financial information is available and for which segment results are evaluated by our Chief Operating Decision Makers (“CODMs”). Our CODMs include Upbound’s Chief Executive Officer and Chief Financial Officer. Our CODMs regularly review the revenues and operating profit for each operating segment in comparison to Company projections and previously reported periods, in addition to other factors, including the Company’s strategic initiatives, as well as industry, macroeconomic, and market trends, in determining the appropriate allocation of resources to support our business operations. Our operating segments are organized based on factors including, but not limited to, type of business transaction, geographic location and store ownership. Financial information disclosed within this report has been recast for the related prior year period to reflect this change. We report financial operating performance under four operating segments: Acima, Rent-A-Center, Brigit and Mexico.

Segment information is as follows:


	Three Months Ended March 31, 2026
(in thousands)	Acima		Rent-A-Center		Brigit		Mexico		Total

Revenues	$	648,690	$	481,605	$	67,670	$	21,764	$	1,219,729
Cost of revenues	454,590		164,406		7,748		6,523		633,267
Gross profit	194,100		317,199		59,922		15,241		586,462
Operating expenses
Operating labor	23,431		118,930		1,260		5,489		149,110
Non-labor operating expenses(1)	81,397		127,832		33,977		7,056		250,262
Depreciation and amortization	404		5,010		26		633		6,073
Other segment expenses(2)	11,602		3,151		6,096		2,155		23,004

Segment operating profit (loss)	77,266		62,276		18,563		(92)		158,013
Corporate									(80,575)
Operating profit									77,438

Interest expense									26,881
Interest income									(714)
Earnings before income taxes									$	51,271

(2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.


	Three Months Ended March 31, 2025
(in thousands)	Acima		Rent-A-Center		Brigit		Mexico		Total

Revenues	$	637,287	$	489,025	$	31,861	$	18,190	$	1,176,363
Cost of revenues	450,836		166,199		4,006		5,193		626,234
Gross profit	186,451		322,826		27,855		12,997		550,129
Operating expenses
Operating labor	23,990		120,198		716		4,263		149,167
Non-labor operating expenses(1)	76,902		122,381		14,446		5,282		219,011
Depreciation and amortization	354		5,427		11		437		6,229
Other segment expenses(2)	11,497		8,405		3,853		1,792		25,547

Segment operating profit	73,708		66,415		8,829		1,223		150,175
Corporate									(87,560)
Operating profit									62,615

Interest expense									27,798
Interest income									(694)
Earnings before income taxes									$	35,511

(2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.


	Three Months Ended March 31,
(in thousands)		2026		2025
Capital expenditures
Acima		$	—	312
Rent-A-Center		1,428		2,491
Brigit		41		46
Mexico		1,160		644

Total operating segments		2,629		3,493
Corporate		13,335		7,083
Total capital expenditures		$	15,964	$	10,576


(in thousands)	March 31, 2026		December 31, 2025
On rent rental merchandise, net
Acima	$	622,975	$	710,844
Rent-A-Center	450,794		465,076
Mexico	25,290		26,362
Total on rent rental merchandise, net	$	1,099,059	$	1,202,282


(in thousands)	March 31, 2026		December 31, 2025
Held for rent rental merchandise, net
Acima	$	177	$	164
Rent-A-Center	114,965		100,893
Mexico	12,515		13,468
Total held for rent rental merchandise, net	$	127,657	$	114,525


(in thousands)	March 31, 2026		December 31, 2025
Assets by segment
Acima	$	1,176,473	$	1,280,771
Rent-A-Center	991,575		1,016,293
Brigit	426,374		430,232
Mexico	58,486		62,602

Total operating segments	2,652,908		2,789,898
Corporate	475,209		486,183
Total assets	$	3,128,117	$	3,276,081

- Definition

The entire disclosure for segment reporting.

+ References

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+ Details

Senior Debt (Tables)

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Schedule of Maturities of Long-term Debt

The table below shows the scheduled maturity dates of our outstanding senior debt at March 31, 2026 for each of the years ending December 31:


(in thousands)	ABL Credit Facility		Term Loan Facility(1)		Total
2026	$	—	$	—	$	—
2027	—		—		—
2028	—		—		—
2029	135,000		—		135,000
2030	—		—		—
Thereafter	—		870,625		870,625
Total senior debt	$	135,000	$	870,625	$	1,005,625

(1) Annual installment requirements were reduced by the amount of the excess cash flow payments made in 2023, in accordance with the terms of the credit agreement governing the Term Loan Facility.

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and cash equivalents	$ 98,412	$ 120,528
Receivables, net of allowance for doubtful accounts of $30,107 and $29,661 in 2026 and 2025, respectively	195,379	203,194
Prepaid expenses and other assets	143,129	153,010
Rental merchandise, net
On rent	1,099,059	1,202,282
Held for rent	127,657	114,525
Merchandise held for installment sale	5,051	5,205
Property assets, net of accumulated depreciation of $572,881 and $556,812 in 2026 and 2025, respectively	304,388	310,126
Operating lease right-of-use assets	275,730	272,692
Deferred tax asset	56,707	56,767
Goodwill	488,158	488,158
Other intangible assets, net	334,447	349,594
Total assets	3,128,117	3,276,081
LIABILITIES
Accounts payable – trade	111,430	154,042
Accrued liabilities	451,376	461,026
Operating lease liabilities	288,513	286,798
Deferred tax liability	121,478	108,591
Senior debt, net	995,249	1,126,030
Senior notes, net	444,339	443,854
Total liabilities	2,412,385	2,580,341
STOCKHOLDERS' EQUITY
Common stock, $0.01 par value; 250,000,000 shares authorized; 129,409,872 and 128,996,814 shares issued in March 31, 2026 and December 31, 2025, respectively	1,131	1,127
Additional paid-in capital	1,581,342	1,573,895
Retained earnings	1,031,448	1,018,658
Treasury stock at cost, 71,060,928 shares in March 31, 2026 and December 31, 2025	(1,890,966)	(1,890,966)
Accumulated other comprehensive loss	(7,223)	(6,974)
Total Stockholders' Equity	715,732	695,740
Total Liabilities and Stockholders' Equity	$ 3,128,117	$ 3,276,081

Acquisitions and Divestitures - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands, shares in Millions		3 Months Ended
	Jan. 31, 2025	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Business Combination [Line Items]
Business Combination, Consideration Transferred, Deferred Consideration	$ 66,100
Business Combination, Consideration Transferred, Estimated Fair Value Of Earnout Payments	10,600
Goodwill		$ (488,158)		$ (488,158)
Business Combination, Consideration Transferred, Liabilities Incurred	1,700
Developed Technology Rights
Business Combination [Line Items]
Estimated Fair Value	$ 65,100
Estimated Remaining Useful Life (in years)	7 years
Brigit Acquisition
Business Combination [Line Items]
Stock consideration, shares	2.7
Common stock price (in dollars per share)	$ 29.75
Payments to Acquire Businesses, Net Of Debt Settlement And Other Expenses	$ 278,500
Business Combination, Consideration Transferred, Debt Settlement And other Transaction Costs	63,700
Business Combination, Consideration Transferred, Maximum Amount Payable For Award Agreement	7,800
Business Combination, Deferred Consideration	75,000
Business Combination, Deferred Consideration, Installment Amount	37,500
Business Combination, Contingent Consideration Arrangements, Earn Out	$ 60,000
Business Acquisition, Number of Common Stock Shares issued, unvested	1.3
Business Acquisition, Value of Common Stock Shares issued, unvested	$ 39,100
Estimated Remaining Useful Life (in years)	9 years
Goodwill	$ (196,866)
Business Combination, Acquisition-Related Cost, Expense	10,300
Business Combination, Consideration Transferred	395,378
Goodwill, Period Increase (Decrease)	$ 1,300
Brigit Acquisition \| Pro Forma
Business Combination [Line Items]
Business Combination, Pro Forma Information, Step Up Adjustments for Depreciation		1,800
Business Combination, Pro Forma Information, Compensation Expense		900
Business Combination, Pro Forma Information, Interest Expense		1,400
Business Combination, Pro Forma Information, Accrued Interest		400
Business Combination, Pro Forma Information, Adjustments To Income Tax Expense (Benefit)		1,800
Business Combination, Pro Forma Information, Adjustments To Transaction Expense		$ 22,500	$ 22,500
Brigit \| Brigit transaction costs
Business Combination [Line Items]
Business Combination, Acquisition Related Costs Recognized			$ 6,200

Earnings Per Common Share

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Earnings Per Common Share

Summarized basic and diluted earnings per common share were calculated as follows:


	Three Months Ended March 31,
(in thousands, except per share data)		2026		2025
Numerator:
Net earnings		$	35,789	$	24,793
Denominator:
Weighted-average shares outstanding		57,534		55,945
Effect of dilutive stock awards(1)		1,312		2,413
Weighted-average dilutive shares		58,846		58,358

Basic earnings per common share		$	0.62	$	0.44
Diluted earnings per common share(1)		$	0.61	$	0.42
Anti-dilutive securities excluded from diluted earnings per common share:
Anti-dilutive restricted share units		704		1
Anti-dilutive performance share units		—		463
Anti-dilutive stock options		345		107