Filing Flows › Upbound Group (UPBD) › Q3 2026
Upbound Group (UPBD) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 30, 2026
Upbound Group (UPBD) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), -2% from a year earlier and -1% from the quarter before. Operating margin was 6.2%, net earnings $34.3M (3.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.1B | -1% | -2% |
| Gross profit | $580M | -2% | +3% |
| Operating profit | $71.2M | +31% | +35% |
| Net earnings | $34.3M | +59% | +159% |
| Operating cash flow | $163M | +32% | +81% |
| Free cash flow | $147M | +36% | +112% |
What changed
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.
Questions
What was Upbound Group's revenue in the third quarter 2026?
Upbound Group (UPBD) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), -2% from a year earlier and -1% from the quarter before.
Was Upbound Group profitable in the third quarter 2026?
Operating profit was $71.2M (6.2% of revenue) and net earnings $34.3M.
Source: Upbound Group 10-Q on SEC EDGAR.