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Upbound Group
Upbound Group (UPBD) investor relations material
Upbound Group 28th Annual ICR Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.28th Annual ICR Conference 2026 summary13 Jan, 2026
Business overview and transformation
Operates a connected financial ecosystem focused on underserved, non-prime consumers, offering access to durable goods and financial liquidity through three brands: Rent-A-Center, Acima, and Brigit.
Rent-A-Center is a legacy, cash flow-generating business with over 2,200 stores, shifting toward digital with 27% of revenue now online.
Acima, acquired in 2021, is a digital lease-to-own platform in 35,000 locations, now the largest segment, growing 17% last year and low teens through Q3 2025.
Brigit, acquired in January 2025, is a financial wellness app with 1.5 million paying subscribers, offering instant cash, credit building, and budgeting tools.
The three brands serve a similar consumer base, leveraging data from about three million active customers to drive personalized offerings.
Leadership and organizational changes
Recent C-suite upgrades include a new CFO and Chief Growth Officer to accelerate digital transformation.
The leadership team blends new perspectives with experienced core business leaders to drive transformation.
The management team is described as exceptional, with a supportive board and a focus on evolving the business.
Platform integration and customer ecosystem
The three business units are designed to meet consumers wherever they are, whether in-store, online, or via app.
Efforts are underway to unify infrastructure and databases to enable a holistic, personalized approach to customer needs.
Significant opportunity exists for cross-selling between brands, leveraging scale and data for deeper insights.
Brigit data's impact on cross-sell and risk?
How will RAC's digital transformation accelerate?
What's the deleveraging plan for the coming year?
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Next Upbound Group earnings date
Q4 202519 Feb, 2026
Upbound Group
Next Upbound Group earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
Upbound Group Inc., previously known as Rent-A-Center, Inc., operates as an omni-channel platform company specializing in lease-to-own solutions for household durable goods. Serving customers primarily in the United States, Puerto Rico, and Mexico, the company facilitates access to furniture, electronics, appliances, and computers on a lease-to-own basis. Upbound Group Inc. operates through four main segments: Rent-A-Center Business, Acima, Mexico, and Franchising, leveraging technology to offer flexible leasing solutions tailored to meet the evolving needs and aspirations of its customers. This business model is designed to provide elevated financial opportunities and potential for consumers, focusing on inclusivity and innovation in financial solutions. The company is headquartered in Plano, Texas, and its shares are listed on the NASDAQ.
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