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UPBD on Nasdaq

Rent-A-Center

Logo: Rent-A-Center, Inc., Public domain, via Wikimedia Commons5

American furniture and electronics rent-to-own company

Rent-A-Center is an American public furniture and electronics rent-to-own company based in Plano, Texas. The company was incorporated in 1986 and as of 2014 operates approximately 2,972 company-owned stores in the United States, Puerto Rico and Mexico, accounting for approximately 35% of the rent-to-own market in the United States based on store count. Rent-A-Center's operations include 24 retail installment stores called Get It Now (based in Wisconsin); 17 Home Choice stores in Minnesota.3 Its shares trade on Nasdaq under the symbol UPBD.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1986Founded1

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  • TickerUPBD on Nasdaq1
  • Industryfurniture1
  • HeadquartersPlano1
  • Websitewww.rentacenter.com
  • Incorporated inDE6
  • Business address5501 Headquarters Drive, Plano, Tx 750246
  • Filer categoryLarge accelerated filer6
  • Legal formCorporation4
  • LEI529900QUHE15UQNCCJ634
  • StatusActive4
  • LEI statusLapsed (not renewed)4
  • Registered addressc/o The Corporation Trust Company, Corporation Trust Center, 1209 Orange Street, 19801 Wilmington, United States4
  • Registered withDivision of Corporations, Department of State, 35957714

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Rent-A-Center is an American public furniture and electronics rent-to-own company based in Plano, Texas. The company was incorporated in 1986 and as of 2014 operates approximately 2,972 company-owned stores in the United States, Puerto Rico and Mexico, accounting for approximately 35% of the rent-to-own market in the United States based on store count.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

48.4%Gross margin8
4.8%Operating margin8
1.6%Net margin8
8.7%Revenue growth, 20258
10.5%Return on equity8
$238.7MFree cash flow8

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Business segments

Acima brought in 54% of the revenue Rent-A-Center broke down this way in fiscal 2025.

  1. Acima$2.5B854%up 11% from 2024
  2. Rent-A-Center$1.9B840%down 4% from 2024
  3. Brigit$206.0M84%
  4. Mexico$79.4M82%up 1% from 2024
Business segments by year
Business segments202320242025
Acima$1.9B$2.3B$2.5B
Rent-A-Center$2.0B$2.0B$1.9B
Brigit$206.0M
Mexico$74.6M$78.7M$79.4M

Regions

United States brought in 98% of the revenue Rent-A-Center broke down this way in fiscal 2025.

  1. United States$4.6B898%up 9% from 2024
  2. Mexico$79.4M82%up 1% from 2024
Regions by year
Regions202320242025
United States$3.9B$4.2B$4.6B
Mexico$74.6M$78.7M$79.4M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Cost of revenue52¢$2.4B
  • Other costs44¢$2.1B
  • Interest2¢$113.0M
  • Income tax1¢$34.8M
  • Profit2¢$73.2M

Out of $4.7B in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Capital spending22¢$66.9M
  • Dividends paid29¢$87.9M
  • Kept or used elsewhere49¢$150.8M

Out of $305.6M of cash from operations.8

Financial statements

Revenue91011128$4.7B in 2025+76% since 2019
0$2.0B$4.0B$6.0B2019: $2.7B$2.7B20192020: $2.8B$2.8B2020+5%2021: $4.6B$4.6B2021+63%2022: $4.2B$4.2B2022−7%2023: $4.0B$4.0B2023−6%2024: $4.3B$4.3B2024+8%2025: $4.7B$4.7B2025+9%
Gross profit91011128$2.3B in 2025+38% since 2019
0$1.0B$2.0B$3.0B2019: $1.6B$1.6B20192020: $1.7B$1.7B2020+2%2021: $2.2B$2.2B2021+34%2022: $2.1B$2.1B2022−7%2023: $2.0B$2.0B2023−3%2024: $2.1B$2.1B2024+3%2025: $2.3B$2.3B2025+9%
Operating income91011128$223.3M in 2025−12% since 2019
0$100.0M$200.0M$300.0M2019: $253.9M$253.9M20192020: $237.3M$237.3M2020−7%2021: $280.5M$280.5M2021+18%2022: $148.5M$148.5M2022−47%2023: $162.9M$162.9M2023+10%2024: $291.6M$291.6M2024+79%2025: $223.3M$223.3M2025−23%
Net income91011128$73.2M in 2025−58% since 2019
-$100.0M0$100.0M$200.0M$300.0M2019: $173.5M$173.5M20192020: $208.1M$208.1M2020+20%2021: $134.9M$134.9M2021−35%2022: $12.4M$12.4M2022−91%2023: -$5.2M-$5.2M20232024: $123.5M$123.5M20242025: $73.2M$73.2M2025−41%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Rentals and fees$3.6B$3.5B$3.3B
Merchandise sales$829.3M$773.7M$700.5M
Subscriptions and fees$206.0M$0$0
Other$32.8M$33.2M$30.3M
Total revenues$4.7B$4.3B$4.0B
Cost of rentals and fees$1.4B$1.4B$1.2B
Cost of merchandise sold$957.6M$884.7M$771.0M
Cost of subscriptions and fees$24.0M$0$0
Total cost of revenues$2.4B$2.2B$2.0B
Gross profit$2.3B$2.1B$2.0B
Operating labor$602.3M$609.2M$613.5M
Non-labor operating expenses$949.9M$811.6M$775.9M
General and administrative expenses$232.0M$212.4M$201.7M
Depreciation and amortization$52.0M$50.9M$51.3M
Other gains and charges$212.2M$104.6M$216.9M
Total operating expenses$2.0B$1.8B$1.9B
Operating profit$223.3M$291.6M$162.9M
Debt refinancing charges$4.9M$6.6M$0
Interest expense$113.0M$110.6M$113.4M
Interest income-$2.6M-$3.1M-$3.4M
Earnings before income taxes$108.1M$177.5M$52.9M
Income tax expense$34.8M$54.1M$58.0M
Net earnings (loss)$73.2M$123.5M-$5.2M
Basic earnings (loss) per common share$1.30$2.26-$0.09
Diluted earnings (loss) per common share$1.25$2.21-$0.09

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Corporate structure

Rent-A-Center sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Rent-A-Center

  • Rent-A-Center Plano, Texas, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Rent-A-Center reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Computer equipment and software$544.1M8 Dec 31, 2025$438.6M8 Dec 31, 2024+24.0%
Construction in progress$14.2M8 Dec 31, 2025$16.7M8 Dec 31, 2024−14.8%
Property and equipment, before depreciation$866.9M8 Dec 31, 2025$802.9M8 Dec 31, 2024+8.0%
Accumulated depreciation$556.8M8 Dec 31, 2025$548.7M8 Dec 31, 2024+1.5%
Property and equipment, net$310.1M8 Dec 31, 2025$254.2M8 Dec 31, 2024+22.0%
Operating-lease assets (leased space)$272.7M8 Dec 31, 2025$265.5M8 Dec 31, 2024+2.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$120.5M8 Dec 31, 2025$60.9M8 Dec 31, 2024+98.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$488.2M8 Dec 31, 2025$290.2M8 Dec 31, 2024+68.2%
Finite-lived intangibles, gross$769.4M8 Dec 31, 2025$616.9M8 Dec 31, 2024+24.7%
Accumulated amortization$420.7M8 Dec 31, 2025$361.6M8 Dec 31, 2024+16.3%
Finite-lived intangibles, net$349.6M8 Dec 31, 2025$255.2M8 Dec 31, 2024+37.0%

Properties, in its own words

We lease space for all of our Rent-A-Center and Mexico stores under operating leases expiring at various times through 2036. In addition, we lease space for certain support facilities under operating leases expiring at various times through 2032. Most of our store leases are five-year leases and contain renewal options for additional periods ranging from three to five years at rental rates adjusted according to agreed-upon formulas. Store sizes average approximately 4,800 square feet. Approximately 75% of each store’s space is generally used for showroom space and 25% for offices and storage space. Our Acima kiosks occupy space without charge in the retailer's location with no lease commitment.

We believe suitable store space generally is available for lease and we would be able to relocate any of our stores or support facilities without significant difficulty should we be unable to renew a particular lease. We also expect additional space is readily available at competitive rates to open new stores or support facilities, as necessary.

Item 2 of the 10-K filed Feb 23, 2026.16

The story

The rent-to-own business was started by Ernie Talley in Wichita, Kansas during the 1960s when he told customers of his store, Mr. T's Rental, that they had rented a washer and dryer for a long enough duration that they had paid for it in full and now owned it. Thomas Devlin, a former employee of Mr. T's rental, recognized the potential of renting name-brand products and partnered with W. Frank Barton and founded the Rent-A-Center brand in Wichita, Kansas in 1973.

Mark Speese joined Rent-A-Center in 1979. In 1986, Mr. Speese and a colleague left Rent-A-Center and started a competing business known as Vista Rent-To-Own. Ernest Talley then joined Vista Rent-To-Own as chairman of the board of directors in 1989 and remained Chairman through Vista's transition to Rent-A-Center. In 1987, Thorn EMI acquired Rent-A-Center for $594 million.

Vista Rent-To-Own changed its name to Renters Choice, Inc. in December 1993, in connection with the acquisition from DEF Investments, Inc. and certain related entities of an 84 store rent-to-own chain operating in 12 states.

Renters Choice went public on the NASDAQ stock exchange in 1995 under the symbol "RCII". In August 1998, Renters Choice acquired Thorn Americas, Inc., which operated 1,474 stores in 49 states and the District of Columbia under the name "Rent-A-Center". On December 31, 1998, Renters Choice changed its name to Rent-A-Center, Inc. and began operating all of its stores under the "Rent-A-Center" brand name.

In 2001, Talley retired and Speese was appointed as Rent-A-Center's Chairman and CEO. In February 2003, Rent-A-Center acquired 295 stores from Rent-Way, Inc. In March 2004, Rent-A-Center commenced operating in Canada with the acquisition of five stores located in Edmonton and Calgary, Alberta. In May 2004, Rent-A-Center completed the acquisitions of Rainbow Rentals, Inc. and Rent Rite, Inc. Rent-A-Center completed its acquisition of competitor Rent-Way, Inc. on November 15, 2006, for a price of approximately $600.3 million. At the time of the acquisition, Rent-Way was ranked number three in the rent-to-own industry with 782 stores in 34 states. The Rent-Way store acquisition program brought the store total to 3,535 stores. Given that the acquisition resulted in over-penetration in some markets, Rent-A-Center carried out the closing or merging of 282 stores between 2007 and 2009. With 123 Mexico stores as of December 2019, Rent-A-Center is continuing its expansion in Mexico.

Launched in 2006, under the brand name RAC Acceptance, Rent-A-Center, Inc. operates lease-to-own kiosks within third-party retail locations across the country. The kiosks transitioned to the AcceptanceNOW brand in January 2014.

Mark Speese retired as Rent-A-Center CEO at the end of January 2014. Rent-A-Center CFO Robert Davis served as CEO from January 2014 to January 2017, when Mark Speese returned as interim CEO.

In January 2018, Mark Speese stepped down as CEO and was succeeded by former president Mitchell Fadel.

Read the full text

In August 2019, Rent-A-Center completed the acquisition of Merchants Preferred, a nationwide provider of virtual lease-to-own services. After acquiring Merchants Preferred, Rent-A-Center unveiled its integrated retail partner offering, Preferred Lease. Preferred Lease is the combined business model of AcceptanceNOW's staffed lease-to-own business with Merchants Preferred's virtual lease-to-own business.

On February 27, 2023, Rent-A-Center, Inc. changed their corporate name to Upbound Group, Inc. and consolidated several brands from their acquisition of Acima Holdings two years prior.

From Wikipedia’s article on Rent-A-Center, shared under CC BY-SA 4.0.7

Leadership

Who has led Rent-A-Center, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Robert F. Bloom2006–2007
  2. Mark E. Speese2006–2017
  3. Mitchell E. Fadel2018–2025
  4. Fahmi Karam2025–now

Chair

  1. Mark E. Speese2006–2013

President

  1. Mitchell E. Fadel2006–2015

Chief financial officer

  1. Guy J. Constant2014–2016
  2. Maureen B. Short2018–2022
  3. Fahmi Karam2022–2025
  4. Halim Khouri2025–now

Chief operating officer

  1. Mitchell E. Fadel2006–2015
  2. Joel M. Mussat2017
1990200020102020
Board members and other officers (50)

Products and brands

RAC provides new and used brand-named furniture, appliances, computers and electronics from brands, such as Ashley Furniture, Sony, Whirlpool Corporation, Dell and HP. As part of their rent-to-own business model, Rent-A-Center generally makes its items available with small initial payments and no long term obligations. Customers can return an item at any time, for any reason, without penalty and also have the option to re-rent the same item and pick up the payments where they left off. Delivery, pickup, service and repair are also included in the stated rental price. Customers can also upgrade items while they are renting—the payments will change accordingly.

In March 2007, the corporate office moved to a new location at 5501 Headquarters Drive, Plano, Texas, in the Legacy Business Park. Construction began on the 175,000-square-foot (16,300 m2) building in January 2006. Employees moved into the building on March 16, 2007. The current headquarters measures three stories and includes structured parking for 400 vehicles, a fitness center, game room and lunchroom. In January 2020, Cawley Partners announced the acquisition of the Rent-A-Center corporate office, leasing back 60 percent of the building to Rent-A-Center.

In July 2015, Rent A Center sold several Ontario Locations to EasyHome for $3.4 million. With this agreement, Rent A Center & EasyHome signed a 3-year agreement to a non-compete contract that each company cannot open any stores in each other's countries.

Philanthropy

Rent-A-Center supports charities that provide family and youth empowerment opportunities. Beginning in 2003, the company made donations to Big Brothers Big Sisters of America locations, collected by means of fundraisers held on an annual basis in Rent-A-Center stores. Between 2005 and 2010, Rent-A-Center donated and set up 116 "RAC Rooms" at Boys and Girls Clubs of America locations, in which each club selects $5,000 worth of new furniture, electronics and computers for their room.

Read the full text

Since 2003, Rent-A-Center has provided monetary and product contributions totaling nearly $1.2 million to date to the North Texas Food Bank. Employees in the Field Support Center have also volunteered over 1,000 hours to Dallas-area food banks during the annual North Texas Food Bank campaign. Rent-A-Center has also donated more than $1.25 million to 11 other food banks across the country since 2009. This is in addition to a hunger-relief campaign staged across Rent-A-Center's 3,000-plus US stores throughout the month of September. This effort supports Hunger Action Month. This virtual food drive leverages Rent-A-Center's stores as collection points for cash donations. The donated funds are distributed to food banks across the US and Puerto Rico at the conclusion of the month-long campaign.

From Wikipedia’s article on Rent-A-Center, shared under CC BY-SA 4.0.7

Former names

  • RENT A CENTER INC DEFeb 9, 1999 to Feb 15, 20236
  • RENTERS CHOICE INCMay 13, 1996 to Oct 16, 19986

Timeline

  1. Sep 22, 20268-K Executive or director change; Regulation FD disclosure77
  2. Jul 30, 20268-K Results of operations; Regulation FD disclosure78
  3. Jul 22, 20268-K Other events79
  4. Jun 3, 20268-K Executive or director change; Shareholder vote80
  5. May 19, 20268-K Executive or director change81
  6. Apr 30, 20268-K Results of operations; Regulation FD disclosure82
  7. Feb 19, 20268-K Results of operations; Regulation FD disclosure83
  8. Nov 21, 20258-K Financial statements and exhibits84
  9. Nov 6, 2025New chief executive Fahmi Karam becomes CEO17
  10. Oct 30, 20258-K Executive or director change; Regulation FD disclosure85
  11. Oct 30, 20258-K Results of operations; Regulation FD disclosure86
  12. Aug 19, 20258-K Entered a material agreement; New debt or obligation87
  13. Jul 31, 20258-K Results of operations; Regulation FD disclosure88
  14. Jan 4, 2018New chief executive Mitchell E. Fadel becomes CEO18
  15. Oct 3, 2006New chief executive Mark E. Speese becomes CEO20
  16. Feb 2, 2006New chief executive Robert F. Bloom becomes CEO19
  17. Jan 25, 1995Went public Listed on NASDAQ1
  18. 1986Founded Founded1

Calendar

Coming up

  1. Oct 29, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1 a share, on Oct 30, 2025.89

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results78
  2. Apr 30, 2026Reported quarterly or annual results82
  3. Feb 19, 2026Reported quarterly or annual results83
  4. Oct 30, 2025Reported quarterly or annual results86
  5. Jul 31, 2025Reported quarterly or annual results88
  6. May 1, 2025Reported quarterly or annual results90
  7. Feb 20, 2025Reported quarterly or annual results91
  8. Oct 31, 2024Reported quarterly or annual results92

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

474 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 57 major events, 313 insider forms, 31 large holders, 53 other. The latest 20:

  1. Oct 8, 2026SCHEDULE 13G EDGAR
  2. Oct 2, 20264 EDGAR
  3. Oct 2, 20264 EDGAR
  4. Oct 2, 20264 EDGAR
  5. Oct 2, 20264 EDGAR
  6. Oct 2, 20263/A EDGAR
  7. Oct 2, 20264 EDGAR
  8. Sep 25, 20263 EDGAR
  9. Sep 25, 20263 EDGAR
  10. Sep 22, 20268-K EDGAR
  11. Sep 2, 20264 EDGAR
  12. Sep 2, 20264 EDGAR
  13. Sep 2, 20264 EDGAR
  14. Sep 2, 20264 EDGAR
  15. Sep 2, 20264 EDGAR
  16. Sep 2, 20264 EDGAR
  17. Sep 2, 20264 EDGAR
  18. Sep 2, 20264 EDGAR
  19. Aug 26, 20263 EDGAR
  20. Aug 26, 20264 EDGAR

The 474 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

37 open-market trades by officers, directors and large owners since October 2021: 25 buys and 12 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 21, 2026Blasquez Anthony JEVP-RACSale10,000$18.85$188.5KForm 4
Jul 7, 2026BROWN JEFFREY JDirectorBuy2,295$20.09$46.1KForm 4
Apr 28, 2026BROWN JEFFREY JDirectorBuy2,329$19.41$45.2KForm 4
Jan 6, 2026BROWN JEFFREY JDirectorBuy2,502$17.68$44.2KForm 4
Oct 21, 2025BROWN JEFFREY JDirectorBuy1,951$22.27$43.4KForm 4
Sep 11, 2025Montrone Ralph T.EVP, AcimaSale6,000$25.23$151.4KForm 4
Aug 21, 2025Blasquez Anthony JEVP-RACSale3,500$23.63$82.7KForm 4
Jul 8, 2025BROWN JEFFREY JDirectorBuy1,653$25.90$42.8KForm 4
May 6, 2025BROWN JEFFREY JDirectorBuy21,730$23.75$516.1KForm 4
Apr 22, 2025BROWN JEFFREY JDirectorBuy1,694$19.89$33.7KForm 4
Mar 10, 2025Karam FahmiChief Executive OfficerBuy11,500$25.82$296.9KForm 4
Jan 7, 2025BROWN JEFFREY JDirectorBuy1,146$29.01$33.2KForm 4
Oct 22, 2024BROWN JEFFREY JDirectorBuy1,065$29.25$31.2KForm 4
Aug 27, 2024Blasquez Anthony JEVP-RACSale2,500$33.17$82.9KForm 4
Aug 26, 2024Taylor Transient CEVP, CHROSale15,127$34.00$514.3KForm 4
Aug 5, 2024Montrone Ralph T.EVP, AcimaSale15,000$32.48$487.2KForm 4
Jul 9, 2024BROWN JEFFREY JDirectorBuy1,031$29.82$30.7KForm 4
Apr 22, 2024BROWN JEFFREY JDirectorBuy991$30.68$30.4KForm 4
Mar 14, 2024Blasquez Anthony JEVP-RACSale12,485$33.18$414.3KForm 4
Feb 28, 2024Montrone Ralph T.EVP, AcimaSale30,000$33.48$1.0MForm 4

All 37 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Fahmi Karam Chief Executive Officer; former Executive Vice President − Chief Financial Officer47$1.1M$7.4M102
2025Mitchell Fadel Former Chief Executive Officer$507.1K$7.0M102
2025Hal Khouri Executive Vice President − Chief Financial Officer$77.9K$2.0M102
2025Tyler MontroneExecutive Vice President − Acima$486.2K$1.6M102
2025Anthony BlasquezExecutive Vice President − Rent-A-Center$482.3K$1.6M102
2025Bryan Pechersky Executive Vice President− General Counsel and Corporate Secretary$453.1K$1.3M102
2024Mitchell Fadel Former Chief Executive Officer$1.1M$9.5M102
2024Fahmi Karam Chief Executive Officer; former Executive Vice President − Chief Financial Officer47$1.0M$3.1M102
2024Tyler MontroneExecutive Vice President − Acima$469.2K$1.7M102
2024Anthony BlasquezExecutive Vice President − Rent-A-Center$469.2K$1.7M102
2023Mitchell Fadel Former Chief Executive Officer$1.1M$9.8M102
2023Fahmi Karam Chief Executive Officer; former Executive Vice President − Chief Financial Officer47$1.0M$6.0M102
2023Anthony BlasquezExecutive Vice President − Rent-A-Center$444.6K$1.8M102
2023Tyler MontroneExecutive Vice President − Acima$440.4K$1.8M102

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.9,152,511$194.2M0.0%+944,446
Vanguard Portfolio Management LLC4,234,326$89.9M0.0%+295,184
Fmr LLC3,312,579$70.3M0.0%−2,095,235
Dimensional Fund Advisors LP2,744,730$58.2M0.0%+349,960
State Street Corp2,468,483$53.3M0.0%+171,994
Goldman Sachs Group Inc2,407,712$51.1M0.0%+1,030,740
Vanguard Capital Management LLC2,327,538$49.4M0.0%+51,870
Ieq Capital, LLC1,770,257$37.6M0.2%−2,133,429
Geode Capital Management, LLC1,468,034$31.2M0.0%+113,050
Bragg Financial Advisors, Inc1,189,215$25.2M0.7%+66,277
Charles Schwab Investment Management Inc1,155,346$24.5M0.0%−112,662
Wellington Management Group Llp1,104,571$23.4M0.0%−151,509
Huber Capital Management LLC1,061,869$22.5M3.3%−640,736
Morgan Stanley1,047,419$22.2M0.0%+263,698
Bank of New York Mellon Corp888,866$18.9M0.0%+33,690
American Century Companies Inc853,179$18.1M0.0%+510,230
Hotchkis & Wiley Capital Management LLC831,810$17.7M0.1%+94,150
Aqr Capital Management LLC720,150$15.3M0.0%+432,836
Millennium Management LLC709,357$15.1M0.0%+529,958
Northern Trust Corp675,057$14.3M0.0%+72,897
Kennedy Capital Management LLC651,996$13.8M0.2%−17,075
Invesco Ltd.579,041$12.3M0.0%+47,216
Citadel Advisors LLC437,058$9.3M0.0%+281,173
Marshall Wace, Llp410,710$8.7M0.0%+358,579
Victory Capital Management Inc394,376$8.4M0.0%+30,629

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Rent-A-Center is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARUPBOUND GROUP, INC.2
  • CIK0000933036
  • Employer ID (EIN)45-049151616
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company16
  • Incorporated inDelaware16
  • Fiscal year endsDecember 312
  • Industry code (SIC)7359 Services-Equipment Rental & Leasing, NEC2
  • SEC reviewing officeOffice of Trade & Services, Division of Corporation Finance2
  • Business address5501 Headquarters Drive, Plano, TX 750242
  • Phone972-801-11002
  • Shares outstanding58,299,405 as of Jul 23, 202614
  • Public float$1.4B as of Jun 30, 202516
  • AuditorDeloitte & Touche LLP, Dallas, TX PCAOB ID 34; it also attests to the company’s internal control over financial reporting16
  • On EDGAR sinceMay 13, 19962
  • Filings1,748 in all: 4 (712), 8-K (318), SC 13G/A (114), 10-Q (92), 3 (53), DEFA14A (40), 11-K (39), SC 13D/A (36)2
    All 59 form types

    SC 13G (35), 4/A (29), DEF 14A (29), 10-K (28), UPLOAD (27), CORRESP (20), DFAN14A (14), S-8 (13), 144 (12), ARS (12), 8-K/A (10), S-4/A (9), SC TO-I/A (8), S-3/A (7), SCHEDULE 13G/A (7), 10-K/A (5), POS AM (5), PRE 14A (5), S-3 (5), S-4 (5), 424B1 (4), 424B3 (4), SC 13D (4), 3/A (3), 5 (3), PRER14A (3), PRRN14A (3), S-3ASR (3), SCHEDULE 13G (3), 10-K405 (2), 10-Q/A (2), D (2), DEFC14A (2), EFFECT (2), PREC14A (2), S-8 POS (2), 10-K405/A (1), 8-A12B (1), 8-A12B/A (1), DEFM14A (1), DEFR14A (1), DEFS14A (1), NT 11-K (1), POSASR (1), PREM14A (1), PRES14A (1), REGDEX (1), RW (1), S-3MEF (1), SC TO-C (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Feb 23, 2026
    Quarterly report (10-Q) Jul 31, 2026
    Proxy statement (DEF 14A) Apr 21, 2026
    Latest 8-K (8-K) Sep 22, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareUPBDThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Feb 23, 2026 (Section 12(b) of the Exchange Act).16

Risk factors and legal proceedings

The risks Rent-A-Center names in Item 1A of its 10-K filed Feb 23, 2026: 74 risks under these headings, as written.16

  • Risks Relating to Economic Conditions
  • •The success of our business overall and each of our segments is dependent on macroeconomic and other factors affecting consumer demand, spending and payment behaviors that are outside of our control.
  • Risks Relating to Our Vendors, Suppliers, Products and Services
  • •Disruptions in our lease-to-own supply chain and other factors affecting the distribution of our merchandise could materially and adversely affect our business.
  • •We rely on the receipt of information from third-party data vendors across our business segments, and inaccuracies in or delays in receiving such information, or the termination of our relationships with such vendors, could have a material adverse effect on our business, operating results and financial condition.
  • •We must successfully manage our Rent-A-Center inventory to reflect customer demand and anticipate changing consumer preferences and leasing trends or our revenue and profitability could be materially and adversely affected.
  • •Allegations of or actual product safety and quality control issues for our leased products, including product recalls, could harm our reputation, divert resources, reduce sales and increase costs.
  • Risks Relating to Our Strategy and Operations
  • •Our success depends on the effective implementation and continued execution of our strategies to continue to grow and transform our business.
  • •If we are unable to successfully appeal to and engage with our target consumers and third-party retailers, our business and financial performance may be materially and adversely affected.
  • •We must maintain corporate brands that are recognized and trusted by consumers and third-party retailers.
  • •Our proprietary algorithms and customer decisioning tools used to approve customers are subject to unexpected changes in behavior caused by macroeconomic conditions, which could cause these tools to no longer be indicative of our customers’ ability to perform under their agreements with us.
The other 65 risks
  • •The industries in which we operate are highly competitive, which could impede our ability to maintain and grow consumer transaction volumes and pricing and have a material adverse effect on our prospects and operating results.
  • •Failure to effectively manage our costs could have a material adverse effect on our profitability.
  • •We face risks in our Acima third-party retailer business and virtual locations that differ in some potentially significant respects from the risks of the traditional lease-to-own business conducted in Rent-A-Center store locations. These risks could have a material adverse effect on Acima, which could negatively impact our ability to meet our growth objectives for the Acima segment and result in a material adverse effect on our results of operations.
  • •The integration and use of AI and similar technology in our business presents risks and challenges that could adversely affect our business, reputation, and results of operations.
  • •Our strategy to grow the third-party retailer business depends on our ability to develop and offer robust virtual lease-to-own technology, including algorithmic decisioning programs and waterfall integrations.
  • •Our operations depend on effective information management systems. Failure of our systems or those of our third-party retailers, bank partners or other commercial counterparties could negatively impact our business, financial condition and results of operations.
  • •If we fail to protect the integrity and security of customer, employee, supplier, third-party retailer, bank partner or other third-party information, or if our third-party retailers, bank partners, outsourced technology providers or other third parties fail to protect the integrity and security of customer, employee or other sensitive information, we could incur significant liability and damage our reputation, and our business could be materially and adversely affected.
  • •Our Brigit segment’s EWA advances expose Brigit to the repayment risk of Brigit’s customers and if Brigit’s decisioning criteria for EWA advance eligibility is not sufficient to mitigate against this risk, or if the data Brigit uses to assess customer earned wages is inaccurate or incomplete, Brigit’s financial condition and operating results could be adversely affected if a substantial number of Brigit’s customers are unable to repay the EWA advance they receive.
  • •If we are unable to attract, train and retain managerial personnel and hourly associates in our Rent-A-Center stores and staffed Acima locations, our reputation, sales and operating results may be materially and adversely affected.
  • •Environmental impacts and increased focus by stakeholders on environmental issues could adversely affect our business, financial condition and operating results.
  • Risks Relating to Legal and Compliance Matters
  • •Our businesses and industries are heavily regulated and subject to active enforcement including legal and regulatory proceedings that have in the past and may in the future result in damages, penalties or other significant monetary obligations and restrictions on our business operations.
  • •Our use of arbitration agreements may not allow us to avoid costly litigation or mass arbitrations.
  • •Federal and state regulatory authorities are increasingly focused on the lease‑to‑own industry, and any negative change in these laws or regulations or the passage of unfavorable new laws or regulations or the manner in which any of these are enforced or interpreted could expose us to significant additional costs or compliance-related burdens and could require us to alter our business practices in a manner that may be materially adverse to us.
  • •Our lease‑to‑own transactions are regulated by and subject to the requirements of federal and state laws and regulations that vary by jurisdiction, which require significant compliance costs and expose us to regulatory action or other litigation.
  • •Laws and regulations regarding information security and data collection, use and privacy are increasingly rigorous and subject to change, which may cause us to incur significant compliance costs and subject us to adverse impacts in the event of actual or alleged compliance failures.
  • •Our reputation, ability to do business and operating results may be impaired by improper conduct by any of our employees, agents or business partners, including third-party retailers.
  • •Our products and services may be negatively characterized by consumer advocacy groups, the media and certain federal, state and local government officials, and if those negative characterizations become increasingly accepted by consumers and/or our third-party retailers, bank partners or other commercial counterparties, demand for our goods and the transactions we offer could decrease and our business could be materially and adversely affected.
  • •We may be unable to protect our intellectual property, or may be alleged to have infringed upon the intellectual property rights of others, which could result in a loss of our competitive advantage, a diversion of resources and a material adverse effect on our business and results of operations.
  • •Brigit previously entered into a settlement with the FTC under which it continues to have ongoing compliance obligations, noncompliance with which could result in material regulatory enforcement.
  • •Our Brigit segment is subject to extensive regulation and oversight in a variety of areas under federal, state and local laws.
  • •If our Brigit segment is unable to obtain, or was determined to be operating without having obtained, necessary state or local licenses, registrations, or similar regulatory filings or approvals that are required or deemed required by regulatory authorities for certain of its products and services, it could adversely affect Brigit’s business, results of operations, financial condition, and future prospects.
  • •Federal and state regulatory authorities are increasingly focused on the EWA industry, and any negative change in these laws or regulations or the passage of unfavorable new laws or regulations or the manner in which any of these are enforced or interpreted could expose Brigit to significant additional costs or compliance-related burdens and could require Brigit to alter its business practices in a manner that may be materially adverse to Brigit.
  • Risks Relating to Our Indebtedness and Other Financial Matters
  • •We have significant indebtedness, and the level of our indebtedness could materially and adversely affect us.
  • •The amount of borrowings permitted under the ABL Credit Facility is limited to the value of certain of our assets, and we rely in part on available borrowings under the ABL Credit Facility for cash to operate our business, which subjects us to market and counterparty risk, some of which is beyond our control.
  • •Our variable rate indebtedness subjects us to interest rate risk, which could cause our debt service obligations to increase significantly.
  • •Our organizational documents and our current or future debt instruments contain or may contain provisions that may prevent or deter another group from paying a premium over the market price to Upbound Group, Inc.’s stockholders to acquire its stock.
  • •If our goodwill or other intangible assets become impaired, we may be required to record a significant charge to earnings.
  • Risks Relating to Our Acquisition of Brigit
  • •We may be unable to realize the anticipated benefits of the Brigit acquisition, including synergies, and have incurred substantial expenses related to the acquisition, which could have a material adverse effect on our business, financial condition and results of operations.
  • •We may be unable to retain key personnel hired as a result of the Brigit acquisition.
  • The success of our business overall and each of our segments is dependent on macroeconomic and other factors affecting consumer demand, spending and payment behaviors that are outside of our control.
  • Disruptions in our lease-to-own supply chain and other factors affecting the distribution of our merchandise could materially and adversely affect our business.
  • Our arrangements with our lease-to-own merchandise suppliers and other vendors may be materially and adversely affected by changes in our financial results or financial position or changes in consumer demand, which could materially and adversely affect our business.
  • We rely on the receipt of information from third-party data vendors across our business segments, and inaccuracies in or delays in receiving such information, or the termination of our relationships with such vendors, could have a material adverse effect on our business, operating results and financial condition.
  • We must successfully manage our Rent-A-Center inventory to reflect customer demand and anticipate changing consumer preferences and leasing trends or our revenue and profitability could be materially and adversely affected.
  • Allegations of or actual product safety and quality control issues for our leased products, including product recalls, could harm our reputation, divert resources, reduce sales and increase costs.
  • Our success depends on the effective implementation and continued execution of our strategies to continue to grow and transform our business.
  • If we are unable to successfully appeal to and engage with our target consumers and third-party retailers, our business and financial performance may be materially and adversely affected.
  • We must maintain corporate brands that are recognized and trusted by consumers and third-party retailers.
  • Our proprietary algorithms and customer decisioning tools used to approve customers are subject to unexpected changes in behavior caused by macroeconomic conditions, which could cause these tools to no longer be indicative of our customers’ ability to perform under their agreements with us.
  • The industries in which we operate are highly competitive, which could impede our ability to maintain and grow consumer transaction volumes and pricing and have a material adverse effect on our prospects and operating results.
  • We may take advantage of additional merger and acquisition opportunities from time to time with the intent of advancing our key initiatives, but such activities may not prove successful and may subject us to additional risks.
  • Failure to effectively manage our costs could have a material adverse effect on our profitability.
  • We face risks in our Acima third-party retailer business and virtual locations that differ in some potentially significant respects from the risks of the traditional lease-to-own business conducted in Rent-A-Center store locations. These risks could have a material adverse effect on Acima, which could negatively impact our ability to meet our growth objectives for the Acima segment and result in a material adverse effect on our results of operations.
  • Our strategy to grow the third-party retailer business depends on our ability to develop and offer robust virtual lease-to-own technology, including algorithmic decisioning programs and waterfall integrations.
  • If we are unable to compete effectively within the growing e-commerce channel, our business and results of operations may be materially and adversely affected.
  • The integration and use of AI and similar technology in our business presents risks and challenges that could adversely affect our business, reputation, and results of operations.
  • Our operations depend on effective information management systems. Failure of our systems or those of our third-party retailers, bank partners or other commercial counterparties could negatively impact our business, financial condition and results of operations.
  • If we fail to protect the integrity and security of customer, employee, supplier, third-party retailer, bank partner or other third-party information, or if our third-party retailers, bank partners, outsourced technology providers or other third parties fail to protect the integrity and security of customer, employee or other sensitive information, we could incur significant liability and damage our reputation, and our business could be materially and adversely affected.
  • If our Brigit segment fails to comply with its obligations under license or technology agreements with third parties, or if Brigit cannot license rights to use technologies on reasonable terms, we could be required to pay damages, lose license rights that are critical to Brigit’s business or be unable to commercialize new products and services in the future.
  • Our Brigit segment’s EWA advances expose Brigit to the repayment risk of Brigit’s customers and if Brigit’s decisioning criteria for EWA advance eligibility is not sufficient to mitigate against this risk, or if the data Brigit uses to assess customer earned wages is inaccurate or incomplete, Brigit’s financial condition and operating results could be adversely affected if a substantial number of Brigit’s customers are unable to repay the EWA advance they receive.
  • If our Brigit segment’s key banking relationships are terminated and Brigit is not able to secure or successfully migrate client portfolios to a new bank partner or partners in a timely manner, Brigit’s business could be adversely affected.
  • Failure to achieve and maintain effective internal controls could have a material adverse effect on our business.
  • We may be unable to attract and retain key employees needed to achieve our growth strategies.
  • If we are unable to attract, train and retain managerial personnel and hourly associates in our Rent-A-Center stores and staffed Acima locations, our reputation, sales and operating results may be materially and adversely affected.
  • Acts of nature, whether due to climate change, pandemic or otherwise, can disrupt our Rent-A-Center store operations and those of our Acima third-party retailers.
  • Environmental impacts and increased focus by stakeholders on environmental issues could adversely affect our business, financial condition and operating results.
  • The success of our franchising business is dependent on the ability and success of our third-party franchisees, over which we have limited control.
  • Our businesses are typically subject to seasonality, which causes our revenues and operating cash flows to fluctuate and may adversely affect our ability to borrow on our credit facilities, service our debt obligations and fund our operations.
  • Our current insurance program may expose us to unexpected costs and negatively affect our financial performance.
  • If we were not able to send or accept electronic payments, our business and financial results could be adversely affected.
  • Our businesses and industries are heavily regulated and subject to active enforcement including legal and regulatory proceedings that have in the past and may in the future result in damages, penalties or other significant monetary obligations and restrictions on our business operations.
  • Our use of arbitration agreements may not allow us to avoid costly litigation or mass arbitrations.
  • Federal and state regulatory authorities are increasingly focused on the lease‑to‑own industry, and any negative change in these laws or regulations or the passage of unfavorable new laws or regulations or the manner in which any of these are enforced or interpreted could expose us to significant additional costs or compliance-related burdens and could require us to alter our business practices in a manner that may be materially adverse to us.
  • Our lease‑to‑own transactions are regulated by and subject to the requirements of federal and state laws and regulations that vary by jurisdiction, which require significant compliance costs and expose us to regulatory action or other litigation.
  • Laws and regulations regarding information security and data collection, use and privacy are increasingly rigorous and subject to change, which may cause us to incur significant compliance costs and subject us to adverse impacts in the event of actual or alleged compliance failures.

Legal proceedings

Please see Note M to our consolidated financial statements and “Risks Relating to Legal and Compliance Matters” contained in Item 1A of this Annual Report on Form 10-K for additional discussion of certain of our legal proceedings and governmental inquiries.

The opening of Item 3, Legal Proceedings.16

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