Short answer
UPBOUND GROUP, INC. (UPBD) filed its fiscal 2025 10-K annual report with the SEC on Feb 23, 2026. It reported revenue of $4.7B (+8.7% year over year) and net income of $73M.
- Top risk 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
FY2025 key financial metrics · XBRL
- Revenue
- $4.7B
- +8.7% YoY
- Net income
- $73M
- −40.7% YoY
- Operating margin
- 4.8%
- −2.0 pp YoY
- Gross margin
- 48.4%
- +0.2 pp YoY
- EPS (diluted)
- $1.25
- −43.4% YoY
- ROE
- 10.5%
- −9.1 pp YoY
- Operating cash flow
- $306M
- +191.8% YoY
Source: XBRL data from the UPBOUND GROUP, INC. (UPBD) FY2025 10-K on SEC EDGAR. USD.
UPBOUND GROUP, INC. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
- 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
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