UPBOUND GROUP, INC. — Form 8-K
Filed October 29, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Upbound Group reported Q3 2026 consolidated revenue of $1,146M (-1.6% YoY), GAAP net earnings of $34.3M (+$21.1M YoY), and non-GAAP diluted EPS of $1.01. Brigit revenue grew 36.6% to $78.8M with paying users up 27% to 1.84M; Acima revenue declined 6.5% to $584.7M but adjusted EBITDA grew 14.7% to $86M with LCO rate improved 104bps to 8.7%; Rent-A-Center revenue flat at $459M with same-store sales up 1.8% (4th consecutive quarter positive). Company narrowed FY2026 guidance to $4.68–$4.78B revenue and $510–$525M adjusted EBITDA, increased non-GAAP EPS midpoint. Free cash flow doubled to $121M YoY; net leverage improved to 2.4x. Intends $50M stock repurchase.
Why this rating
Solid operational execution with Brigit growth and Acima margin expansion, offset by Acima revenue decline; improved FCF and deleveraging. Moderate relative to $1.4B market cap; no transformational change.
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