Upbound Reports Q4 Revenue of $1.2B
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 19 2026
0mins
Should l Buy UPBD?
Reports Q4 revenue $1.2B, consensus $1.17B. "2025 was a transformative year for Upbound. We welcomed a new segment and team members at Brigit along with our new Chief Financial Officer and Chief Growth Officer. We were able to strengthen our foundation for future growth while continuing to deliver strong performance," said CEO Fahmi Karam.
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Analyst Views on UPBD
Wall Street analysts forecast UPBD stock price to rise
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 21.450
Low
28.00
Averages
29.50
High
31.00
Current: 21.450
Low
28.00
Averages
29.50
High
31.00
About UPBD
Upbound Group, Inc. is a technology and data-driven company in financial products that addresses the needs of consumers. Its customer-facing operating units include brands, such as Rent-A-Center, Brigit, and Acima that facilitate consumer transactions across a range of store-based and digital channels, including over 2,300 company branded retail units across the United States, Mexico and Puerto Rico. Its Acima segment offers the lease-to-own transaction to consumers who do not qualify for traditional financing through staffed or unstaffed kiosks located within third-party retailer locations or other virtual options. Its Mexico segment consists of its Company-owned stores in Mexico that lease household durable goods to customers on a lease-to-own basis. Brigit segment operates in the United States, and includes the operations of Bridge IT Inc. It also offers earned wage access and credit building products for consumers who are underserved by traditional financial institutions.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Upbound's Value Proposition: Upbound attracts investors with a forward P/E ratio of five and a dividend yield exceeding 7%, and despite slower growth, its revenue accelerated to 11% in the past year, indicating stability and potential in the rental market.
- Disruptive Potential of Hims & Hers: The company challenges traditional healthcare with a direct-to-consumer model, facing legal hurdles but is viewed favorably for its long-term growth potential, which could transform the delivery of healthcare services.
See More
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- Customer Base Expansion: Upbound served over 3.5 million customers in 2025, expanding its business through the acquisition of Brigit, marking a significant transformation into a digital and data-driven platform that enhances appeal to underserved consumers.
- Strong Financial Performance: Revenue for 2025 reached approximately $4.7 billion, an 8.7% increase year-over-year, with non-GAAP diluted EPS at $4.13 and strong cash flow generation, reporting free cash flow of $180 million for the year, indicating ongoing financial health improvements.
- Executive Appointments and Strategic Development: Hal Khouri was appointed CFO and Rebecca Wooters as Chief Growth Officer, with Wooters tasked with leading digital transformation and implementing data-driven solutions across the company's three major segments, aiming to enhance competitiveness.
- Cautious Future Outlook: Upbound projects 2026 consolidated revenue between $4.7 billion and $4.95 billion, with Brigit expected to deliver over 30% annualized growth, but management's cautious stance reflects sensitivity to market conditions due to delays in new product rollouts and macro uncertainties.
See More
Upbound Group Q4 Earnings Beat Expectations
- Strong Earnings Report: Upbound Group reported a Q4 non-GAAP EPS of $1.01, beating expectations by $0.04, indicating sustained profitability and reflecting its competitive position in the market.
- Revenue Growth: The company achieved Q4 revenue of $1.2 billion, an 11.1% year-over-year increase, surpassing market expectations by $30 million, demonstrating robust business momentum and effective market adaptation.
- Future Outlook: For FY 2023, the company projects revenue of $5.02 billion with an EPS consensus of $4.62, showcasing management's confidence in future performance, which may attract more investor interest.
- Q1 Projections: The consensus for Q1 revenue stands at $1.26 billion with an EPS consensus of $1.05, indicating that the company is expected to maintain strong performance at the start of the new fiscal year, further solidifying its market position.
See More
Upbound Group Reports Significant Growth in FY 2025 Results
- Revenue Growth: Upbound Group reported fourth-quarter revenue of $1.2 billion for FY 2025, reflecting an 11% year-over-year increase, which underscores the company's sustained growth momentum and boosts investor confidence.
- Strong Performance by Acima: Acima achieved its ninth consecutive quarter of GMV and revenue growth, with a 9% year-over-year revenue increase, indicating robust execution and strong market demand in the consumer finance sector.
- Successful Expansion of Brigit: Brigit generated $65 million in revenue in Q4 2025, supported by approximately 1.6 million paying subscribers and nearly 10% year-over-year ARPU growth, demonstrating effective strategies in user acquisition and revenue enhancement.
- Robust Cash Flow: The company reported $42 million in net cash provided by operating activities, an increase of over $100 million year-over-year, reflecting improved financial health and enhanced capacity for future investments.
See More
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- Low Expense Advantage: The Vanguard Russell 2000 boasts an expense ratio of just 0.03%, meaning that for a $10,000 investment, management fees are only $30, allowing investors to access a diversified stock portfolio at a low cost.
- Small-Cap Recovery: After years of underperformance, small-cap stocks have shown resilience over the past year, and while trading at earnings multiples in the high teens, they remain relatively cheap compared to other market benchmarks, attracting value investors.
- Upbound Stock Screening: By filtering for stocks yielding over 1.1%, only four stocks remained, with Upbound offering a notable 7.6% dividend yield and an expected earnings per share of $4.65, highlighting its strong profitability and appeal.
- Business Diversification: Upbound has broadened its scope through the acquisition of the Brigit app and the operation of the Acima platform, providing lease-to-own options that cater to cash-strapped consumers, which is expected to drive sustained revenue growth in the future.
See More
Upbound Group Inc Analyzes Dividend History and Yield Expectations
- Dividend Yield Expectation: Upbound Group Inc currently has an annualized dividend yield of 7.9%, and the sustainability of this yield needs to be assessed in conjunction with the company's profitability fluctuations, which could impact investor return expectations.
- Historical Volatility Analysis: The historical volatility for Upbound Group Inc, calculated from the last 251 trading days, stands at 52%, indicating significant price fluctuations and necessitating careful risk-reward assessments by investors.
- Options Trading Dynamics: As of Wednesday afternoon, the put volume among S&P 500 components reached 917,392 contracts, while call volume hit 2.14M contracts, indicating a market preference for call options, which may reflect investor optimism regarding future price increases.
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