UPBOUND GROUP, INC. (UPBD) Form 10-Q — Oct 29, 2026
Upbound Group's Q3 2026 net earnings jumped to $34.3M from $13.2M a year ago, with diluted EPS of $0.58 versus $0.22, on revenue of $1.15B (down ~1.6% YoY). Operating profit rose 35% to $71.2M on lower legal accruals and cost discipline. Growth is coming from Brigit, the financial-health app acquired in January 2025 for ~$395.4M: subscription revenue rose 37% to $78.8M in the quarter. But legacy segments are soft — Acima revenue fell 6.5% to $584.7M, and the company booked $13.3M in fraudulent contract losses tied to earlier cybersecurity incidents.
Key figures
- Eps
- 0.58
- Revenue
- 1146161000
- Net Income
- 34271000
- Total Debt
- 911250000
- Revenue Yoy
- -1.6%
- Total Assets
- 3052050000
- Cash Position
- 125097000
- Shares Outstanding
- 58302380
- Acima revenue q3
- 584725000
- Basic eps q3 2025
- 0.23
- Basic eps q3 2026
- 0.59
- Nine month revenue
- 3529316000
- Interest expense q3
- 25067000
- Operating profit q3
- 71181000
- Acima revenue yoy q3
- -6.5%
- Effective tax rate q3
- 26.7%
- Nine month diluted eps
- 1.56
- Nine month net earnings
- 91644000
- Diluted eps prior year q3
- 0.22
- Allowance doubtful accounts
- 39027000
- Rent a center stores closed
- 69
- Brigit subscription revenue q3
- 78775000
- Dividends declared per share q3
- 0.39
- Legal accruals nine months 2026
- 1900000
- Brigit subscription revenue growth q3
- +36.6%
- Acima fraudulent contract losses nine months
- 13255000
AI analysis
Red flags4 · Pro
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.