Filing Flows › Upbound Group (UPBD) › Q3 2026 › vs Q3 2025
Upbound Group (UPBD) Q3 2026 vs Q3 2025 (year over year)
Upbound Group's revenue fell $18.6M (-2%) from $1.2B in Q3 2025 to $1.1B in Q3 2026. The biggest changes: Acima −$40.5M (-6%); Brigit +$21.1M (+37%); Mexico +$2.9M (+14%). Gross margin 50.6% against 48.3% (+2.3 pts).
Upbound Group, Q3 2026: revenue $1.1B (-2% year over year), operating margin 6.2%, net earnings $34.3M, operating cash flow $163M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Gross margin | 50.6% | 48.3% | +2.3 pts |
| Operating margin | 6.2% | 4.5% | +1.7 pts |
| Net margin | 3.0% | 1.1% | +1.9 pts |
| Free cash flow margin | 12.8% | 6.0% | +6.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Acima | $585M | $625M | −$40.5M | -6% |
| Rent A Center | $459M | $461M | −$2.0M | -0.4% |
| Brigit | $78.8M | $57.7M | $21.1M | +37% |
| Mexico | $23.6M | $20.7M | $2.9M | +14% |
| Revenue | $1.1B | $1.2B | −$18.6M | -2% |
| Gross profit | $580M | $563M | $17.1M | +3% |
| Cost of revenue | $566M | $602M | −$35.7M | -6% |
| Operating profit | $71.2M | $52.8M | $18.4M | +35% |
| Operating expenses | $509M | $510M | −$1.3M | -0.3% |
| Pre-tax earnings | $46.7M | $19.9M | $26.9M | +135% |
| Other expense, net | $24.5M | $32.9M | −$8.4M | -26% |
| General & admin | $60.9M | $50.2M | $10.7M | +21% |
| Other operating costs | $448M | $460M | −$12.0M | -3% |
| Net earnings | $34.3M | $13.2M | $21.1M | +159% |
| Income tax | $12.5M | $6.6M | $5.8M | +87% |
| Depreciation & amortization | $35.3M | $34.0M | $1.3M | +4% |
| Share-based compensation | $6.2M | $10.4M | −$4.3M | -41% |
| Working capital & other | $87.4M | $32.2M | $55.1M | +171% |
| Operating cash flow | $163M | $89.9M | $73.2M | +81% |
| Free cash flow (OCF − capex) | $147M | $69.4M | $77.6M | +112% |
| Capital expenditures | $16.1M | $20.5M | −$4.4M | -21% |
Questions
How much did Upbound Group's revenue grow year over year in Q3 2026?
Upbound Group's revenue fell $18.6M (-2%) from $1.2B in Q3 2025 to $1.1B in Q3 2026.
What drove Upbound Group's revenue change in Q3 2026?
Acima −$40.5M (-6%); Brigit +$21.1M (+37%); Mexico +$2.9M (+14%).