Upbound Group, Inc. (UPBD) SEC Filings & Earnings Calls

Cybersecurity Incident Risk

“the Company recently experienced cybersecurity incidents in which certain non-sensitive customer information and other documents were obtained without authorization” · word for word

Soft consumer demand impacting top-line growth.

“CFO: 'top-line growth ran below plan on softer consumer demand'.”

Rent-A-Center net earnings and EBITDA decline.

“Rent-A-Center net earnings -13.2%, adjusted EBITDA -7.6%.”

Cybersecurity breach risk with fraud losses

“cybersecurity incidents in which certain non-sensitive customer information and other documents were obtained without authorization” · word for word

Departure of General Counsel may create temporary legal oversight gap.

“Resignation of EVP, General Counsel and Corporate Secretary.”

Regulatory/Litigation Risk

“At March 31, 2026 and December 31, 2025, we had estimated legal accruals of $74.2 million and $72.0 million, respectively, included in accrued liabilities in our Condensed Consolidated Balance Sheet for pending legal and regulatory matters for which we believe losses are probable and the amount of the loss can be reasonably estimated.” · word for word

Macroeconomic Sensitivity

“The continuation of volatile macroeconomic trends may have a material adverse impact on our financial statements, including our results of operations, operating cash flows, liquidity and capital resources.” · word for word

Brigit Integration Risk

“The possibility that costs, difficulties or disruptions related to the integration of Brigit operations into our other operations will be greater than expected.” · word for word

Non-prime consumer environment remains challenging, potentially pressuring demand and credit quality.

“CEO: 'environment remains challenging for the non-prime consumer'.”

Acima GMV declined 6% y/y, indicating potential demand weakness in lease-to-own channel.

“GMV decreased approximately 6% y/y in the first quarter.” · word for word

Rent-A-Center revenue declined 1.5% y/y, though same-store sales slightly positive.

“Consolidated segment revenue of $481.6M decreased approximately 1.5% y/y.” · word for word

Regulatory/Legal Risk

“Includes expenses of $70.3 million related to estimated legal accruals and $6.1 million in litigation and defense expenses for a regulatory lawsuit with the Consumer Financial Protection Bureau (which was previously dismissed with prejudice) and our current regulatory lawsuit with the New York Attorney General, as well as the Multi-State Attorneys’ General r” · word for word

Rent-A-Center Segment Decline

“Our Rent-A-Center segment experienced a 2.2% Y/Y decline in Same Store Sales and 4.2% Y/Y revenue decline to $1.9 billion.” · word for word

GAAP Profitability Decline

“$73.2 million in net income, compared to $123.5 million in 2024. $1.25 GAAP Diluted EPS, compared to $2.21 in 2024.” · word for word

Key Person/Transition Risk

“Mr. Karam was appointed Chief Executive Officer of the Company, effective June 1, 2025. Mr. Khouri was appointed Executive Vice President — Chief Financial Officer of the Company, effective November 10, 2025.” · word for word

Integration Risk (Brigit)

“At the Upbound enterprise level, we completed the acquisition of Brigit on January 31, 2025, expanding our platform to include a subscription-based financial health technology offering.” · word for word

Macroeconomic Demand Risk

“Unfavorable general economic changes...could reduce demand for our lease-to-own, EWA and other products and services resulting in lower revenue or negatively impact consumer payment behavior resulting in higher than expected losses.”

Tariff Cost Risk

“The current U.S. Presidential Administration has enacted tariffs on a wide range of imports...we may not be able to fully pass tariff-related price increases on to our customers.” · word for word

Regulatory Risk

“Federal and state regulatory authorities are increasingly focused on the lease‑to‑own industry, and any negative change in these laws or regulations...could expose us to significant additional costs or compliance-related burdens.” · word for word

Rent-A-Center segment EBITDA declined 13.5% y/y, indicating structural pressure in core lease-to-own retail.

“Rent-A-Center segment...Adjusted EBITDA of $69.2M decreased $10.8M y/y.”

Legal and Regulatory Exposure

“The increase in other gains and charges was driven primarily by increases of $49.5 million related to the Brigit acquisition... $44.0 million in estimated legal accruals and related litigation and defense expenses” · word for word

Rent-A-Center Revenue Decline

“The decrease in revenues for the three and nine months ended September 30, 2025, as compared to the three and nine months ended September 30, 2024, was primarily due to decreases in same store sales of 3.6% and 3.2%, respectively” · word for word

Integration Risk

“the possibility that costs, difficulties or disruptions related to the integration of Brigit operations into our other operations will be greater than expected” · word for word

Rent-A-Center segment revenue decline and same-store sales contraction signal ongoing weakness in core lease-to-own business.

“Revenues of $461.1M decreased 4.7% y/y; same store sales decreased 3.6% y/y.” · word for word

Acima segment margin compression due to softness in monthly vintages and product category mix shift.

“Adjusted EBITDA margin decreased 130 bps y/y due to softness in certain monthly vintages and product category mix shift.”