Upbound Group, Inc. (UPBD)

Over the past six months, Upbound Group's stock price has been impacted by several events. In July 2025, the company reported its Second Quarter 2025 results, with an EPS of $1.12, beating the analyst consensus of $1.05, and quarterly revenue increased by 7.5% year-over-year to $1.16 billion, exceeding expectations, but the stock experienced a 12.71% drop following the announcement. In September 2025, Upbound Group announced the appointment of Rebecca Wooters as its Chief Growth Officer. Also in September 2025, Loop Capital upgraded Upbound Group's stock from "Hold" to "Buy" and significantly raised its price target from $21.00 to $36.00. Conversely, in May 2025, Raymond James reiterated an "Outperform" rating but lowered its price target from $40.00 to $35.00. The company also declared a quarterly cash dividend of $0.39 for the fourth quarter of 2025 in September 2025. Upbound Group is expected to announce its Third Quarter 2025 financial results on October 30, 2025. Between October 2024 and October 2025, the company's share price declined by 25.82%.

While specific detailed patterns of demand seasonality for Upbound Group's products and services are not explicitly provided, the company operates in the lease-to-own market for household durable goods and financial solutions. Demand for such products can often be influenced by economic cycles, consumer spending habits, and seasonal retail trends, such as back-to-school periods, holiday shopping, or tax refund seasons, which may impact the demand for furniture, electronics, and appliances. The financial services offered through Acima and Brigit, catering to underserved consumers, might also see fluctuations based on broader economic conditions affecting this demographic.

Upbound Group, Inc. is a technology and data-driven leader in accessible and inclusive financial solutions, operating in the specialty retail and financial services sectors. The company leases household durable goods to consumers on a lease-to-own basis through brands like Rent-A-Center, Acima, and Brigit. Upbound Group facilitates consumer transactions across store-based and digital channels, offering a range of household durable goods and merchandise on an installment sales basis. The company also provides lease-to-own transactions to consumers who may not qualify for traditional financing, utilizing staffed or unstaffed kiosks and virtual options. Upbound Group operates retail installment sales stores under the Get It Now and Home Choice names, and lease-to-own and franchised lease-to-own stores under the Rent-A-Center, ColorTyme, and RimTyme names.

Upbound Group, Inc. operates over 2,300 company-branded retail units across the United States, Puerto Rico, and Mexico.

In the past year, Upbound Group has focused on enhancing its brand visibility and driving growth through strategic initiatives, particularly in its digital transformation efforts. The company's Acima and Brigit segments have shown strong performance, contributing significantly to revenue and demonstrating scalable models for underserved consumers. The appointment of a Chief Growth Officer in September 2025 further underscores the company's commitment to market expansion and brand development. However, there have been some questions raised about the sustainability of its business model, as highlighted by a Yahoo Finance headline in October 2025, and Jim Cramer expressed a negative sentiment towards Upbound Group in October 2025.

Upbound Group, Inc. has substantial institutional ownership, with approximately 84.91% to 90.30% of its stock held by institutions, including major holders like BlackRock, Inc., Vanguard Group Inc, Fmr Llc, Ieq Capital, Llc, Dimensional Fund Advisors Lp, State Street Corp, and Lsv Asset Management. Individual insiders hold a smaller percentage, ranging from 2.60% to 23.44%. Notable individual shareholders include Aaron R. Allred, who owns 5.17 million shares representing 8.92% of the company, and Mark E. Speese. Recent insider transactions show some selling activity by executives like Tyler Montrone and Anthony Blasquez, while Chairman Jeffrey Brown and CEO Fahmi Karam have made purchases.