UPBOUND GROUP, INC. (UPBD) Form 8-K — Oct 29, 2026
Upbound Group (NASDAQ: UPBD) reported Q3 2026 revenue of $1,146.2 million, at the high end of its outlook, with GAAP net earnings of $34.3 million — up $21.1 million year-over-year — and GAAP diluted EPS of $0.58 versus $0.22 a year ago. Non-GAAP diluted EPS of $1.01 exceeded the top of the guided range. All three segments contributed: Acima grew adjusted EBITDA 14.7% to $86.0 million with margin up ~270 bps as lease charge-offs improved 104 bps; Brigit revenue grew 37% to $78.8 million with paying users up 27% to 1.84 million; and Rent-A-Center posted its fourth consecutive quarter of positive same-store sales (+1.8%).
Key figures
- Eps
- 0.58
- Revenue
- 1146200000
- Guidance
- FY2026 revenue $4.68-$4.78B, adjusted EBITDA $510-$525M, non-GAAP diluted EPS $4.15-$4.30 (midpoint raised); Q4 revenue $1.15-$1.25B, adjusted EBITDA $125-$135M, non-GAAP EPS $1.00-$1.10
- Net Income
- 34300000
- Total Debt
- 1456000000
- Revenue Yoy
- -1.6%
- Cash Position
- $98.4M cash and cash equivalents; ~$576M quarter-end liquidity
- Shares Outstanding
- 58,846,000 diluted weighted average shares (Q3 2026)
- Acima revenue
- $584.7M (-6.5% y/y), adjusted EBITDA $86.0M (+14.7%)
- Acima lco rate
- 8.7% (-104 bps y/y)
- Brigit revenue
- $78.8M (+37% y/y), paying users 1.84M (+27%)
- Free cash flow
- ~$121M, more than doubled y/y; YTD ~$340M
- Adjusted ebitda
- $123.4M (-0.1% y/y)
- Net leverage ratio
- 2.4x, down from 2.6x prior quarter
- Quarterly dividend
- $0.39 per share ($1.56 annualized)
- Non gaap diluted eps
- $1.01 vs $1.00 prior year
- Rent a center revenue
- $459.0M (-0.4% y/y), same store sales +1.8%
- Debt repaid in quarter
- ~$77M
- Share repurchase intent
- up to $50 million
- Brigit net advance loss rate
- 4.4% (+111 bps y/y)
AI analysis
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