UPBOUND GROUP, INC. (UPBD) FY2025 10-K Annual Report
UPBOUND GROUP, INC. (UPBD) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 23, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UPBOUND GROUP, INC. FY2025 10-K Analysis
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
Management Discussion & Analysis
- • No revenue or profitability figures reported for FY 2026; new segment Brigit acquired for $460M total consideration
- • Operating segments reorganized into four: Acima, Rent-A-Center (combined with Franchising), Brigit, and Mexico as of Jan 31, 2025
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
UPBOUND GROUP, INC. FY2025 Key Financial MetricsXBRL
Revenue
$4.7B
▲ +8.7% YoY
Net Income
$73M
▼ -40.7% YoY
Gross Margin
48.4%
▲ +24bp YoY
Operating Margin
4.8%
▼ -199bp YoY
Net Margin
1.6%
▼ -130bp YoY
ROE
10.5%
▼ -910bp YoY
Total Assets
$3.3B
▲ +23.6% YoY
EPS (Diluted)
$1.25
▼ -43.4% YoY
Operating Cash Flow
$306M
▲ +191.8% YoY
Source: XBRL data from UPBOUND GROUP, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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