Upbound Group, Inc. (UPBD)
NASDAQConsumer DiscretionarySoftware - ApplicationSnapshot 2026-11-05
$24.88+3.07%
Close 2026-11-05 · 1-day change
NASDAQConsumer DiscretionarySoftware - ApplicationSnapshot 2026-11-05
QuarterlyIQ Insights · UPBD
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 2 guided quarters · 0.9% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
• Brigit Delivers Double-Digit Growth Across Key Metrics: Brigit revenue grew 37% year-over-year to $79 million.
Stated in 4 of 4 supplied quarters. Management reported: “• Brigit Delivers Double-Digit Growth Across Key Metrics: Brigit revenue grew 37% year-over-year to $79 million.” “Paying Users² rose approximately 27% to 1.84 million, and ARPU³ increased 4.7% to $14.39.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Consumer Discretionary names rated neutral grew net income 45% of the time over the next year (vs 59% for the rest of the cohort, n=6999).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“• Brigit Delivers Double-Digit Growth Across Key Metrics: Brigit revenue grew 37% year-over-year to $79 million.”
“• Brigit Continues Strong Momentum: Brigit revenue increased 37% year-over-year to $71 million, supported by approximately 30% growth in paying subscribers² to 1.7 million and a 6.3% increase in ARPU…”
“Brigit Demonstrates Ongoing Expansion: Brigit revenue increased more than 40% year-over-year, supported by double-digit growth in paying subscribers2 and ARPU3.”
“Brigit Demonstrates Ongoing Expansion: Brigit generated revenue of $65 million, supported by approximately 1.6 million paying subscribers3 and nearly 10% ARPU4 growth year-over-year.”
Acima Adjusted EBITDA⁶ increased approximately 15% year-over-year to $86 million, with Adjusted EBITDA⁶ margin expanding approximately 270 basis points to 14.7%.
Stated in 4 of 4 supplied quarters. Management reported: “• Underwriting Discipline Drives Acima Profitability: Acima GAAP net earnings increased 17.3% to $74.7 million.” “Acima Adjusted EBITDA⁶ increased approximately 15% year-over-year to $86 million, with Adjusted EBITDA⁶ margin expanding approximately 270 basis points to 14.7%.”
“Acima Adjusted EBITDA⁶ increased approximately 15% year-over-year to $86 million, with Adjusted EBITDA⁶ margin expanding approximately 270 basis points to 14.7%.”
“• Acima Delivers Improved Portfolio Quality: Acima generated $604 million of revenue, down approximately 2.5% year-over-year, but saw lease charge-off rate⁴ improve 50 basis points year-over-year to…”
“Acima Shows Disciplined Execution: Acima revenue increased approximately 1.8% year-over-year to $649 million, while lease charge-off rate4 improved to 8.8%, down 130 basis points sequentially.”
“Acima Shows Strong Execution: Acima achieved its ninth consecutive quarter of GMV2 and revenue growth, with revenue increasing 9% year-over-year.”
• Rent-A-Center Extends Same Store Sales Growth to Four Consecutive Quarters: Same store sales⁵ increased approximately 180 basis points year-over-year, and revenue of $459 million was essentially fl…
Stated in 4 of 4 supplied quarters. Management reported: “• Rent-A-Center Extends Same Store Sales Growth to Four Consecutive Quarters: Same store sales⁵ increased approximately 180 basis points year-over-year, and revenue of $459 million was essentially flat to the prior year.” “• Rent-A-Center Achieves Third Consecutive Quarter of Same-Store Sales Growth: Same store sales⁵ increased approximately 160 basis points year-over-year, while achieving $466 million in revenue.”
“• Rent-A-Center Extends Same Store Sales Growth to Four Consecutive Quarters: Same store sales⁵ increased approximately 180 basis points year-over-year, and revenue of $459 million was essentially fl…”
“• Rent-A-Center Achieves Third Consecutive Quarter of Same-Store Sales Growth: Same store sales⁵ increased approximately 160 basis points year-over-year, while achieving $466 million in revenue.”
“Rent-A-Center Progress Continues: Rent-A-Center same store sales5 grew 0.4% year-over-year, alongside a 20 basis point sequential improvement in lease charge-off rate.”
“Rent-A-Center Business Stabilized: Rent-A-Center same store sales5 grew 0.8% year-over-year, alongside a 10 basis point year-over-year reduction in lease charge-off rate.”
• Strong Cash Generation Supports Deleveraging: Net cash provided by operating activities increased by 81% to approximately $163 million, and free cash flow more than doubled year-over-year to approx…
Stated in 4 of 4 supplied quarters. Management reported: “• Strong Cash Generation Supports Deleveraging: Net cash provided by operating activities increased by 81% to approximately $163 million, and free cash flow more than doubled year-over-year to approximately $121 million.” “The Company has reduced debt by more than $225 million since year-end, reducing the overall net leverage ratio.”
“• Strong Cash Generation Supports Deleveraging: Net cash provided by operating activities increased by 81% to approximately $163 million, and free cash flow more than doubled year-over-year to approx…”
“• Robust Cash Flow Generation: Net cash provided by operating activities of approximately $123 million, while increasing free cash flow to $84 million.”
“Robust Cash Flow Generation: The Company reported $171 million of net cash provided by operating activities, an increase of $23 million year-over-year.”
“Robust Cash Flow Growth: The Company reported $42 million of net cash provided by operating activities, an increase of more than $100 million year-over-year.”
Maintain consolidated revenue growth and execute against the company's updated 2026 revenue outlook.
Over the trailing year it converted 4.33x of net income into operating cash flow. Historically, Consumer Discretionary names rated robust grew net income 58% of the time over the next year (vs 45% for the rest of the cohort, n=3629).
Most sensitive to the broad stock market and long-term interest rates.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
14 material management or governance events in the past 24 months, led by executive changes. Historically, Consumer Discretionary names rated neutral grew net income 53% of the time over the next year (vs 54% for the rest of the cohort, n=6802).
Not investment advice. As of 2026-11-05.