Upbound Group Inc
F:RAC
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Upbound Group Inc
Upbound Group is a rent-to-own and lease-to-own company that helps consumers get furniture, appliances, electronics, and other household goods without paying the full price upfront. Its main brands include Rent-A-Center, which serves shoppers through its own stores and online, and Acima, which works with partner retailers. The company makes money when customers make weekly, biweekly, or monthly lease payments and by collecting fees tied to those agreements. In plain terms, it sits between the retailer and the customer: it buys or finances the merchandise, lets the customer take it home right away, and earns money over time as the customer pays. Its main customers are people who want durable goods but may not qualify for traditional credit cards or installment loans, as well as merchants that want to offer lease-to-own financing at checkout. That makes Upbound different from a normal retailer or a bank: it is both a seller of goods and a specialty financing provider focused on everyday consumer purchases.
Upbound Group is a rent-to-own and lease-to-own company that helps consumers get furniture, appliances, electronics, and other household goods without paying the full price upfront. Its main brands include Rent-A-Center, which serves shoppers through its own stores and online, and Acima, which works with partner retailers.
The company makes money when customers make weekly, biweekly, or monthly lease payments and by collecting fees tied to those agreements. In plain terms, it sits between the retailer and the customer: it buys or finances the merchandise, lets the customer take it home right away, and earns money over time as the customer pays.
Its main customers are people who want durable goods but may not qualify for traditional credit cards or installment loans, as well as merchants that want to offer lease-to-own financing at checkout. That makes Upbound different from a normal retailer or a bank: it is both a seller of goods and a specialty financing provider focused on everyday consumer purchases.
Results in line: Upbound said Q2 results came in within all guided metrics, with revenue of $1.2 billion and strong cash generation despite a tough consumer backdrop.
Acima pressure: Acima GMV fell 11% year over year, hurt by tighter underwriting, weaker discretionary demand and cyber-related fraud losses of about $13 million, but margins improved sharply.
Brigit momentum: Brigit continued to scale quickly, with revenue up 37% year over year and paying users up to about 1.7 million, while management said demand for the product remains strong.
Rent-A-Center discipline: Rent-A-Center posted a third straight quarter of same-store sales growth, while management began a store optimization effort that closed 69 underperforming stores in Q2.
Outlook adjusted: Full-year revenue guidance was narrowed to $4.7 billion to $4.85 billion, free cash flow guidance was raised to $250 million, and EBITDA guidance was left unchanged.
Balance sheet: Leverage improved to 2.6x trailing 12-month adjusted EBITDA from 2.9x at year-end 2025, and management said deleveraging remains the main use of incremental cash.