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Upbound Group (UPBD) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Upbound Group (UPBD) Q3 2026 earnings results →

Q3 2026 Revenue down 2% year over year to $1.1B · 3¢ of every $1 of revenue kept as net profit · operating margin 6.2%

Upbound Group made $1.1B in Q3 2026 (-2% Y/Y): Acima $585M, Rent A Center $459M, Brigit $78.8M. Operating margin 6.2%, net earnings $34.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.

Revenue$1.1B
Year over year-2%
Operating margin6.2%
Net earnings$34.3M
Operating cash flow$163M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $1.1B in Q3 2026, down 2% year over year and down 1% from the previous quarter. Acima was the largest line at 51% of revenue. Acima lost $0.04B year over year (down 6%), 219% of the total change.

Gross margin was 50.6%, up 2.3 points from Q3 2025. Operating profit was $0.07B, a 6.2% margin (up 1.7 points year over year). Operating expenses fell 0% while revenue fell 2%. The fastest-growing cost line was General & admin (+21%). Net earnings were $0.03B, up 159% year over year. The effective tax rate was 26.7%.

Operating cash flow was $0.16B (up 81% year over year), 476% of net earnings. Non-cash charges added back $0.04B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.09B. Capital expenditures of $0.02B left free cash flow of $0.15B.

Quarterly history

Upbound Group revenue by quarterUpbound Group revenue by quarter$1.2BQ1 2025$1.2BQ2 2025$1.2BQ3 2025$1.2BQ4 2025$1.2BQ1 2026$1.2BQ2 2026$1.1BQ3 2026
Upbound Group net earnings by quarterUpbound Group net earnings by quarter$24.8MQ1 2025$15.5MQ2 2025$13.2MQ3 2025$19.7MQ4 2025$35.8MQ1 2026$21.6MQ2 2026$34.3MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 30, 2026$1.1B-2%6.2%$34.3M$163M
Q2 202610-QJul 31, 2026$1.2B+0.5%4.7%$21.6M$123M
Q1 202610-QMay 1, 2026$1.2B+4%6.3%$35.8M$171M
Q4 202510-KFeb 23, 2026$1.2B+11%4.8%$19.7M$41.6M
Q3 202510-QOct 31, 2025$1.2B+9%4.5%$13.2M$118M
Q2 202510-QJul 31, 2025$1.2B+8%4.4%$15.5M$7.8M
Q1 202510-QMay 2, 2025$1.2B+7%5.3%$24.8M$138M

Charts

Upbound Group: revenue growth, year over year and quarter over quarterUpbound Group: revenue growth, year over year and quarter over quarterY/YQ/Q+7%Q1 2025+8%-2%Q2 2025+9%+1%Q3 2025+11%+3%Q4 2025+4%+2%Q1 2026+0%-5%Q2 2026-2%-1%Q3 2026
Latest (Q3 2026): Y/Y -2%, Q/Q -1%.
Upbound Group: where the cash came from (+) and went (−), TTM to Q3 2026Upbound Group: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$499MNet borrowing (+) / repaid (−)−$203MDividends−$91.6MOther investing−$79.4MCapital spending−$65.1MOther financing−$37.5MCash drawn (+) / kept (−)−$18.1MTaxes on employees’ shares−$4.9MAsset & business sales$931KAcquisitions−$899KExchange rates$377KShares issued$298K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Upbound Group: profit against cash, quarter by quarterUpbound Group: profit against cash, quarter by quarterNet incomeOperating cash flow$31.0M−$61.9MQ4 2024$24.8M$148MQ1 2025$15.5M$26.1MQ2 2025$13.2M$89.9MQ3 2025$19.7M$41.6MQ4 2025$35.8M$171MQ1 2026$21.6M$123MQ2 2026$34.3M$163MQ3 2026
Latest (Q3 2026): Net income $34.3M, Operating cash flow $163M.
Upbound Group: diluted shares by fiscal yearUpbound Group: diluted shares by fiscal year56MFY202067MFY202159MFY202255MFY202356MFY202459MFY2025
+5.1% since FY2020: more shares outstanding (issuance, stock pay).
Upbound Group: long-term debt falling due (FY2025)Upbound Group: long-term debt falling due (FY2025)$264M2029$873MLater
Cash $121M, short-term investments —, long-term debt — at 2025-12-31.
Upbound Group in its industry: growth against margin (12 companies, SIC 7359)Upbound Group in its industry: growth against margin (12 companies, SIC 7359)revenue growth, year over year →↑ operating marginmedian +11%median 21%URIUnited Rentals North America IncSUNBEQPTPRGSumisho Air Lease CorpCTOSAircastle LTDMGRCKPLTArboretum Silverleaf Income Fund, L.P.UPBD (-2%, 6%)
Services-Equipment Rental & Leasing, NEC; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Upbound Group

Unless the context indicates otherwise, references to “we,” “us”, “our”, and the “Company” refer to the consolidated business operations of Upbound Group, Inc., the parent, and any or all of its direct and indirect subsidiaries. For any references in this document to Note A through Note U, refer to the Notes to consolidated financial statements in Item 8 included in this Annual Report on Form 10-K. We are a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. Through our Acima and Rent-A-Center segments, we are a leading lease-to-own provider with operations in the United States, Puerto Rico and Mexico.

In its own words, from its 10-K, filed Feb 23, 2026.

Upbound Group against its Services-Equipment Rental & Leasing, NEC peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +12%. Operating margin: 6.2% against the peers' median 21.4%.

CompanyQuarterRevenueY/YOp. margin
UPBD Upbound GroupQ3 2026$1.1B-2%6.2%
URI United RentalsQ3 2026$4.9B+16%28.8%
United Rentals North AmericaQ2 2026$4.4B+12%25.8%
SUNB Sunbelt Rentals HoldingsQ1 FY27$3.1B+11%22.2%
EQPT EquipmentShare.comQ2 2026$1.4B+26%6.4%
PRG Prog HoldingsQ3 2026$726M+26%9.1%
Sumisho Air LeaseQ3 2026$593M-18%21.4%
CTOS Custom Truck One SourceQ3 2026$495M+3%7.7%
AircastleQ2 FY27$283M+24%28.4%

Source: Upbound Group 10-Q on SEC EDGAR · CIK 933036 · Services-Equipment Rental & Leasing, NEC

Guidance and outlook

Upbound Group Revenue: guidance against what was reportedUpbound Group Revenue: guidance against what was reportedguided rangereported (above / within / below)FY2026Q2 2026$1.2B
Met or beat 1 of 1 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
Upbound Group: what its forward-looking statements are about (10-Q filed 2026-10-30)Upbound Group: what its forward-looking statements are about (10-Q filed 2026-10-30)Costs4Other3Demand2Products1
10 statements; tone -0.10 (−1 all cautious, +1 all confident); 1 hedged.
Upbound Group: outlook statements against the filing beforeUpbound Group: outlook statements against the filing beforeConfident2Cautious3

13F: who owns UPBD and who is buying

Largest holders of UPBD (13F)Largest holders of UPBD (13F)BlackRock$194MVanguard Group$125MVanguard Portfolio Management LLC$89.9MFMR LLC$70.3MDimensional Fund Advisors LP$58.2MState Street$53.3MGoldman Sachs Group$51.1MVanguard Capital Management LLC$49.4MIEQ Capital, LLC$37.6MGeode Capital Management, LLC$31.2M
Funds' net buying of UPBD by quarter (13F)Funds' net buying of UPBD by quarter (13F)−$73.6M2024-09$9.0M2024-12$35.7M2025-03$114M2025-06−$1.0M2025-09$34.4M2025-12$27.2M2026-03$38.2M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on UPBD

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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