UPBD at a glance
UPBOUND GROUP, INC. (UPBD, SEC CIK 933036) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 22, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), UPBOUND GROUP, INC. (UPBD) reported revenue of $4.7 billion (up 8.7% from FY2024) and net income of $73.2 million. Diluted EPS was $1.25.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding UPBOUND GROUP, INC. (UPBD) shares worth $707.1 million in 13F-HR filings.
- In the last 90 days, UPBD insiders reported 0 open-market purchases ($0) and 1 open-market sale ($189K) on Form 4, a net sale of $189K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $4.7B
- +8.7% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$189K
- 13F holders
- 31 funds
- $707.1M · +0 vs prior quarter
- Latest 8-K
- Sep 22, 2026
- Item 5.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model centered on consolidated operations of Upbound Group and subsidiaries
- No new products, services, or business segments introduced or emphasized this year
- No strategic shifts or changes in competitive positioning disclosed compared to prior year
- No quantitative metrics such as employee count, R&D spend, or geographic expansion reported
- Filing lacks substantive business description, unusual in contrast to typical 10-K disclosures
Risk Factors
- Legal risk: $72.0 million estimated legal accruals as of December 31, 2025, up from $20.7 million in 2024 for ongoing legal proceedings and investigations
- Acquisition risk: $395.4 million total purchase price for Brigit acquisition including $196.9 million goodwill, with fair value of $152.3 million intangible assets based on Level 3 inputs
- Accounting standard change: Adoption of FASB ASU 2024-03 requiring disaggregated income statement expense disclosures effective after Dec 15, 2026, increasing disclosure complexity
- Goodwill impairment risk: $288.3 million goodwill in Acima segment unchanged since 2024, requiring ongoing assessment amid stock price fluctuations
- Financial risk: Significant goodwill and intangible asset concentrations totaling over $485 million related to Brigit and Acima segments impacting balance sheet quality
Management Discussion & Analysis
- Operating segments reorganized into four: Acima, Rent-A-Center (combined with Franchising), Brigit, and Mexico as of Jan 31, 2025
- Term loan amended Aug 2025: extended maturity to 2032, $77M incremental borrowings drawn, total debt $875M
- Quarterly dividend declared at $0.39 per share for Q1 2026, paid Jan 2026
- Management highlights macroeconomic risks: inflation, wage inflation, rate hikes, supply chain issues may materially impact future results
AI summary of the UPBD 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No risk-factors section provided; supplied text contains Items 2–6 and exhibits only
- No newly added risk factor identifiable from the provided excerpt
- Officer and director share elections disclosed under Rule 10b5-1 and Regulation S-K Item 408(c)
- 2026 Long-Term Incentive Plan introduced new RSU, PSU, and DSU award agreements
AI summary of the UPBD 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Section 5.02 contains only a non-filed disclosure designation
- No director or officer departure, appointment, compensation, or succession details provided
Item 7.01: Regulation FD Disclosure
- New Executive Vice President–Chief Operating Officer appointment announced September 22, 2026
- Leadership change may affect operating execution and strategic priorities
Item EX-99.1: Item EX-99.1
- New COO Scott Young to unify Acima, Brigit and Rent-A-Center under one operating leader
- Leadership structure targets cross-selling, operating efficiency and revenue synergies across Upbound’s portfolio
Item 7.01: Regulation FD Disclosure
- Investor presentation covers quarter ended June 30, 2026
- Exhibit 99.3 contains Upbound Group’s announced quarterly financial results
Item EX-99.1: Item EX-99.1
- Q2 2026 revenue approximately $1.2B, within guidance, indicating resilient demand across Upbound’s consumer-finance platforms
- Brigit revenue rose 37% to $71M, with paying subscribers up approximately 30% to 1.7M and ARPU up 6.3% to $14.30
Item 8.01: Other Events
- Cybersecurity incidents exposed non-sensitive customer information and documents, enabling fraudulent Acima lease-to-own agreements
- Approximately $13 million in elevated fraudulent contract losses during second quarter 2026
Item 1.05: Material Cybersecurity Incidents
- Forward-looking disclosure tied to an event described elsewhere in the 8-K, with potential impacts not specified here
- Key risks: new event information, inflation, monetary policy, recession, consumer spending, and credit availability
AI summaries of UPBD 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for UPBD
Don't miss the next UPBD filing
- Alerts as it files. A push when UPBD files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut UPBD, by share count.
- Ask anything. An AI agent that reads every UPBD filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MARINO GLENN P | A | Oct 1, 2026 | 2,070 | $15.70 |
| BROWN JEFFREY J | A | Oct 1, 2026 | 6,220 | $15.70 |
| Jain Charu | A | Oct 1, 2026 | 2,089 | $15.70 |
| LANGENSTEIN MOLLY | A | Oct 1, 2026 | 2,298 | $15.70 |
| Young Scott A. | A | Oct 1, 2026 | 160,858 | - |
| Blasquez Anthony J | A | Sep 1, 2026 | 98,888 | - |
| Pfirrman Christopher Keith | A | Sep 1, 2026 | 82,755 | - |
| Kumar Balaji | A | Sep 1, 2026 | 130,299 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $4.3B | $4.7B |
| Gross Profit | - | $2.1B | $2.3B |
| Operating Income | - | $291.6M | $223.3M |
| Net Income | - | $123.5M | $73.2M |
| Gross Margin | - | 48.1% | 48.4% |
| Op. Margin | - | 6.7% | 4.8% |
| Net Margin | - | 2.9% | 1.6% |
| Balance Sheet | |||
| Total Assets | $2.7B | $2.6B | $3.3B |
| Equity | $560.4M | $629.0M | $695.7M |
| ROE | - | 19.6% | 10.5% |
| Per Share | |||
| EPS | - | $2.21 | $1.25 |
| Cash Flow | |||
| Operating CF | - | $104.7M | $305.6M |
| CapEx | - | $56.3M | $66.9M |
Source: XBRL data in UPBOUND GROUP, INC. (UPBD)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate UPBD share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $707.1M |
| Q1 2026 | 31 | $553.2M |
| Q4 2025 | 28 | $545.2M |
| Q3 2025 | 29 | $713.9M |
| Q2 2025 | 29 | $741.5M |
| Q1 2025 | 26 | $506.4M |
| Q4 2024 | 22 | $543.2M |
| Q3 2024 | 18 | $230.3M |
- Goldman Sachs Group+1.03M (+75%)
- BlackRock+944.4K (+12%)
- Millennium Management+530.0K (+295%)
- AQR Capital Management+432.8K (+151%)
- Dimensional Fund Advisors+350.0K (+15%)
- FMR LLC (Fidelity)−2.10M (-39%)
- D.E. Shaw & Co−84.4K (-46%)
- Citigroup−9.1K (-22%)
- JPMorgan Chase & Co−5.8K (-8%)
- Fifth Third Bancorp−966 (-8%)
- Allstate+9.6K
- Mangrove Partners−13.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 214 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
UPBD filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Sep 22, 2026 | - | Analysis | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 8-K | Jun 3, 2026 | - | Analysis | |
| 8-K | May 19, 2026 | - | Analysis |
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UPBD SEC filings: frequently asked questions
Are UPBD insiders buying or selling?
In the last 90 days, UPBOUND GROUP, INC. (UPBD) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $188,500 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold UPBD stock?
As of June 30, 2026, the largest UPBOUND GROUP, INC. (UPBD) holders among the 13F filers tracked by SignalX were BlackRock ($194.2 million), Vanguard Portfolio Management LLC ($89.9 million), FMR LLC (Fidelity) ($70.3 million), Dimensional Fund Advisors ($58.2 million), State Street Corp ($53.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was UPBD's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), UPBOUND GROUP, INC. (UPBD) reported revenue of $4.7 billion (up 8.7% from FY2024) and net income of $73.2 million. Diluted EPS was $1.25. The figures come from the XBRL data in the 10-K.
What are the main risks in UPBD's latest 10-K?
In the 10-K filed February 23, 2026, UPBOUND GROUP, INC. (UPBD) flagged: Legal risk: $72.0 million estimated legal accruals as of December 31, 2025, up from $20.7 million in 2024 for ongoing legal proceedings and investigations. Acquisition risk: $395.4 million total purchase price for Brigit acquisition including $196.9 million goodwill, with fair value of $152.3 million intangible assets based on Level 3 inputs. (AI summary of the Risk Factors section.)
What did UPBD report in its latest 8-K?
UPBOUND GROUP, INC. (UPBD) filed an 8-K on September 22, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers) and Item 7.01 (Regulation FD Disclosure). Section 5.02 contains only a non-filed disclosure designation.
What are the latest UPBD SEC filings?
UPBOUND GROUP, INC. (UPBD) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 22, 2026 and a Form 4 insider filing on October 2, 2026.
What is UPBD's SEC CIK number?
UPBOUND GROUP, INC. (UPBD)'s SEC Central Index Key (CIK) is 933036. EDGAR lists every UPBD filing under that number.
Ask anything about UPBD
The research agent reads UPBD's filings, financials, insider trades and 13F holders, then answers with sources.