Every 8-K that Upbound Group, Inc. (UPBD) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow UPBD and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UPBD filings page.
Upbound Group, Inc. (UPBD) appointed Scott Young as Executive Vice President – Chief Operating Officer effective September 22, 2026, a newly created role reporting to CEO Fahmi Karam. Young will oversee strategic alignment and execution across Acima, Brigit and Rent-A-Center to operate as a unified enterprise.
The company also named Dev Chakraborty Senior Vice President and Head of Brigit, focusing on growth and integration within the Upbound ecosystem. Young’s compensation package includes a $610,000 base salary, performance-based annual bonus, and a $3,111,000 performance stock unit sign-on award, plus eligibility for substantial long‑term incentive equity grants.
Upbound Group, Inc. reported second quarter 2026 results with consolidated revenue of $1,163.4 million, up 0.5% year-over-year. GAAP operating profit was $54.3 million, and GAAP net earnings rose to $21.6 million, with net profit margin improving to 1.9%.
Adjusted EBITDA was $127.0 million, down 4.6% year-over-year, for a 10.9% margin. GAAP diluted EPS increased to $0.37 from $0.26, while non-GAAP diluted EPS was $1.07 versus $1.12. Operating cash flow was approximately $123 million, supporting free cash flow of $84 million, and a quarterly dividend of $0.39 per share.
By segment, Brigit revenue grew 37% to $71 million with paying subscribers up to 1.7 million and ARPU of $14.30. Acima generated about $604 million of revenue with lease charge-offs improving to 8.8% and EBITDA margin at 16.2%. Rent-A-Center delivered $466 million of revenue and 1.6% same-store sales growth. Management narrowed full-year 2026 revenue guidance to $4.70–$4.85 billion and reaffirmed Adjusted EBITDA of $500–$535 million and non-GAAP diluted EPS of $4.00–$4.35, while guiding Q3 revenue to $1.05–$1.15 billion and non-GAAP EPS to $0.85–$0.95.
Upbound Group, Inc. reports having experienced cybersecurity incidents in which certain non-sensitive customer information and other documents were obtained without authorization. The company believes some of this information was used to facilitate fraudulent lease-to-own agreements, contributing to approximately $13 million in elevated fraudulent contract losses in its Acima segment during the second quarter of 2026.
In response, Upbound Group has implemented mitigation and remediation measures with external cybersecurity experts, including enhanced authentication controls, additional fraud detection and monitoring capabilities, and other security enhancements, and has notified federal law enforcement. The investigation is ongoing. Based on current quantitative and qualitative information, the company believes the incidents are not material but will reassess materiality under Item 1.05 if relevant facts or circumstances substantively change.
Upbound Group, Inc. reported results from its 2026 annual stockholders meeting. Stockholders approved the 2026 Long-Term Incentive Plan, which as amended authorizes issuance of up to 4,590,636 shares of common stock and replaces the Amended 2021 Long-Term Incentive Plan for new awards.
All director nominees were re-elected with more than a majority of votes cast, and Deloitte & Touche LLP was ratified as independent registered public accounting firm for the year ending December 31, 2026. Stockholders approved, on an advisory basis, 2025 executive compensation and supported holding say-on-pay votes every year, a frequency the board plans to follow until the next required vote on frequency, expected by 2032.
Upbound Group, Inc. reported that Bryan Pechersky, its Executive Vice President, General Counsel and Corporate Secretary, has resigned. He notified the company on May 15, 2026, and his resignation will be effective June 5, 2026. The company states that his departure is not due to any disagreement regarding operations, policies or practices.
Upbound Group, Inc. reported first quarter 2026 results showing moderate growth and improved profitability. Consolidated revenue was $1.22 billion, up 3.7% year-over-year, with GAAP net earnings of $35.8 million and GAAP diluted EPS of $0.61, up from $0.42 a year earlier.
Non-GAAP diluted EPS was $1.08 versus $1.00, and Adjusted EBITDA rose 7.9% to $136.1 million, giving an 11.2% margin. Brigit revenue grew more than 40% to $67.7 million with paying users up about 27% to 1.56 million and ARPU of $14.41. Acima revenue increased 1.8% to $648.7 million with an 8.8% lease charge-off rate, while Rent-A-Center revenue dipped 1.5% to $481.6 million but delivered 0.4% same store sales growth.
Operating cash flow reached $170.7 million, supporting free cash flow of $135.9 million, dividends of $0.39 per share and debt reduction that lowered the net leverage ratio to 2.6x. For full year 2026, Upbound reaffirmed guidance for revenue of $4.70–$4.95 billion, Adjusted EBITDA of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35, and guided Q2 revenue to $1.10–$1.20 billion with non-GAAP EPS of $1.00–$1.10.
Upbound Group, Inc. reported solid growth for 2025 while absorbing sizeable non-recurring costs. Consolidated revenue reached $4.7 billion, up 8.7% year-over-year, and Adjusted EBITDA rose 7.5% to $508.8 million. GAAP diluted EPS declined to $1.25 from $2.21 due mainly to $212.2 million of special items, while non-GAAP diluted EPS increased to $4.13 from $3.83.
In the fourth quarter, revenue was $1.196 billion, up 10.9%, with Adjusted EBITDA of $125.9 million and non-GAAP EPS of $1.01. The Acima segment generated $2.51 billion in 2025 revenue and $2.01 billion in GMV, both growing double digits. Newly acquired Brigit contributed $206 million of revenue with a 22.4% Adjusted EBITDA margin, while Rent-A-Center revenue declined 4.2% to $1.90 billion but delivered a 15.0% Adjusted EBITDA margin.
Cash flow strengthened meaningfully: net cash provided by operating activities was $305.6 million, and free cash flow reached $180.5 million. Year-end net leverage was 2.9x. For 2026, Upbound guides to revenue of $4.70–$4.95 billion, Adjusted EBITDA excluding stock-based compensation of $500–$535 million, and non-GAAP diluted EPS of $4.00–$4.35.
Upbound Group, Inc. announced a temporary blackout period for its Upbound 401(k) Retirement Savings Plan to support a transition of plan assets, recordkeeping, and administration from JPMorgan/Empower to Fidelity Investments. During this blackout, plan participants and beneficiaries will not be able to complete certain transactions in the plan, including trades in the Upbound Group, Inc. stock fund.
The company notified its directors and executive officers that, under Section 306 of the Sarbanes-Oxley Act and SEC Regulation BTR, they will face trading restrictions in company common stock and related derivative securities acquired in connection with their service during this blackout. The blackout period is expected to begin on December 24, 2025 at 4:00 p.m. Eastern time and to end during the week of January 25, 2026.
Security holders and other interested persons can obtain information about the actual beginning and ending dates of the blackout period without charge by contacting the company’s Benefits Department at its Plano, Texas headquarters or by phone.
Upbound Group, Inc. (UPBD) furnished quarterly materials announcing financial results for the quarter ended September 30, 2025. The company released a press release and detailed earnings information, and provided an investor presentation. These materials are attached as Exhibits 99.1, 99.2, and 99.3 under Items 2.02 and 7.01, and are expressly furnished, not filed, under the Exchange Act.
Upbound Group (UPBD) appointed Hal Khouri as Executive Vice President – Chief Financial Officer, effective November 10, 2025. He will report to CEO Fahmi Karam, who had been serving as interim CFO since June 2025. Khouri brings 30+ years in consumer finance, most recently as CFO of goeasy Ltd., with prior CFO roles at Walmart Canada Bank and JPMorgan Chase Canada Bank.
Key compensation terms include a $675,000 base salary, a target annual bonus equal to 60% of salary (prorated for 2025), a $1,500,000 RSU sign‑on award vesting over three years, and eligibility for annual long-term incentives equal to 170% of salary starting in February 2026.
Upbound Group, Inc. amended its existing term loan credit agreement on August 19, 2025. The amendment extends the maturity date of the loans outstanding under the credit agreement to August 19, 2032, subject to certain springing maturity provisions. It also adds approximately $77 million of incremental term loan commitments, all of which were drawn on the closing date, bringing total aggregate borrowings under the credit agreement to $875 million.
Upbound plans to use the incremental proceeds to pay fees and expenses related to the amendment and for working capital and other general corporate purposes, which may include repaying a portion of the loans outstanding under its revolving credit facility. The amendment is documented in the Fourth Amendment to the Term Loan Credit Agreement, which is filed as an exhibit.