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
- • 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
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
- • 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
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
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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