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Segment Information (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Information [Abstract] |
Segment Information | Segment information is as follows:
| Three Months Ended September 30, 2025
(in thousands) | Acima |  | Rent-A-Center |  | Brigit |  | Mexico |  | Total
Revenues | $ | 625,272 |  |  | $ | 461,090 |  |  | $ | 57,663 |  |  | $ | 20,692 |  |  | $ | 1,164,717 |
Cost of revenues | 441,995 |  |  | 147,065 |  |  | 6,631 |  |  | 5,950 |  |  | 601,641 |
Gross profit | 183,277 |  |  | 314,025 |  |  | 51,032 |  |  | 14,742 |  |  | 563,076 |
Operating expenses |  |  |  |  |  |  |  |  |
Operating labor | 25,166 |  |  | 120,585 |  |  | 1,184 |  |  | 4,791 |  |  | 151,726 |
Non-labor operating expenses(1) | 82,626 |  |  | 114,506 |  |  | 38,767 |  |  | 6,179 |  |  | 242,078 |
Depreciation and amortization | 386 |  |  | 5,222 |  |  | 21 |  |  | 549 |  |  | 6,178 |
Other segment expenses(2) | 11,412 |  |  | 17,292 |  |  | 6,491 |  |  | 1,909 |  |  | 37,104 |
Segment operating profit | 63,687 |  |  | 56,420 |  |  | 4,569 |  |  | 1,314 |  |  | 125,990 |
Corporate |  |  |  |  |  |  |  |  | (73,237) |
Operating profit |  |  |  |  |  |  |  |  | 52,753 |
Debt refinancing charges |  |  |  |  |  |  |  |  | 4,894 |
Interest expense |  |  |  |  |  |  |  |  | 28,662 |
Interest income |  |  |  |  |  |  |  |  | (673) |
Earnings before income taxes |  |  |  |  |  |  |  |  | $ | 19,870 |
(1) Includes Lease Charge-Offs of $61.0 million and $19.6 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $14.3 million in the Brigit segment for the three months ended September 30, 2025. (2) Includes certain general and administrative expenses and other gains and charges. See Note 9 for additional information regarding other gains and charges.
| Nine Months Ended September 30, 2025
(in thousands) | Acima |  | Rent-A-Center |  | Brigit |  | Mexico |  | Total
Revenues | $ | 1,881,526 |  |  | $ | 1,417,233 |  |  | $ | 141,414 |  |  | $ | 58,443 |  |  | $ | 3,498,616 |
Cost of revenues | 1,316,809 |  |  | 463,424 |  |  | 16,623 |  |  | 16,730 |  |  | 1,813,586 |
Gross profit | 564,717 |  |  | 953,809 |  |  | 124,791 |  |  | 41,713 |  |  | 1,685,030 |
Operating expenses |  |  |  |  |  |  |  |  |
Operating labor | 73,559 |  |  | 359,910 |  |  | 2,964 |  |  | 13,552 |  |  | 449,985 |
Non-labor operating expenses(1) | 236,269 |  |  | 356,418 |  |  | 81,513 |  |  | 17,033 |  |  | 691,233 |
Depreciation and amortization | 1,093 |  |  | 15,888 |  |  | 49 |  |  | 1,470 |  |  | 18,500 |
Other segment expenses(2) | 34,398 |  |  | 35,757 |  |  | 16,395 |  |  | 5,185 |  |  | 91,735 |
Segment operating profit | 219,398 |  |  | 185,836 |  |  | 23,870 |  |  | 4,473 |  |  | 433,577 |
Corporate |  |  |  |  |  |  |  |  | (267,475) |
Operating profit |  |  |  |  |  |  |  |  | 166,102 |
Debt refinancing charges |  |  |  |  |  |  |  |  | 4,894 |
Interest expense |  |  |  |  |  |  |  |  | 84,983 |
Interest income |  |  |  |  |  |  |  |  | (2,005) |
Earnings before income taxes |  |  |  |  |  |  |  |  | $ | 78,230 |
(1) Includes Lease Charge-Offs of $175.3 million and $60.0 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $29.7 million in the Brigit segment for the nine months ended September 30, 2025. (2) Includes certain general and administrative expenses and other gains and charges. See Note 9 for additional information regarding other gains and charges.
| Three Months Ended September 30, 2024
(in thousands) | Acima |  | Rent-A-Center |  |  |  | Mexico |  | Total
Revenues | $ | 566,183 |  |  | $ | 483,646 |  |  |  |  | $ | 19,030 |  |  | $ | 1,068,859 |
Cost of revenues | 392,214 |  |  | 160,243 |  |  |  |  | 5,316 |  |  | 557,773 |
Gross profit | 173,969 |  |  | 323,403 |  |  |  |  | 13,714 |  |  | 511,086 |
Operating expenses |  |  |  |  |  |  |  |  |
Operating labor | 26,197 |  |  | 122,011 |  |  |  |  | 4,427 |  |  | 152,635 |
Non-labor operating expenses(1) | 72,042 |  |  | 118,464 |  |  |  |  | 5,504 |  |  | 196,010 |
Depreciation and amortization | 352 |  |  | 5,243 |  |  |  |  | 405 |  |  | 6,000 |
Other segment expenses(2) | 11,384 |  |  | 4,418 |  |  |  |  | 2,494 |  |  | 18,296 |
Segment operating profit | 63,994 |  |  | 73,267 |  |  |  |  | 884 |  |  | 138,145 |
Corporate |  |  |  |  |  |  |  |  | (68,086) |
Operating profit |  |  |  |  |  |  |  |  | 70,059 |
Interest expense |  |  |  |  |  |  |  |  | 26,801 |
Interest income |  |  |  |  |  |  |  |  | (897) |
Earnings before income taxes |  |  |  |  |  |  |  |  | $ | 44,155 |
(1) Includes Lease Charge-Offs of $52.1 million and $21.8 million in the Acima and Rent-A-Center segments for the three months ended September 30, 2024. (2) Includes certain general and administrative expenses and other gains and charges. See Note 9 for additional information regarding other gains and charges.
| Nine Months Ended September 30, 2024
(in thousands) | Acima |  | Rent-A-Center |  |  |  | Mexico |  | Total
Revenues | $ | 1,680,323 |  |  | $ | 1,500,548 |  |  |  |  | $ | 60,465 |  |  | $ | 3,241,336 |
Cost of revenues | 1,157,441 |  |  | 494,758 |  |  |  |  | 17,024 |  |  | 1,669,223 |
Gross profit | 522,882 |  |  | 1,005,790 |  |  |  |  | 43,441 |  |  | 1,572,113 |
Operating expenses |  |  |  |  |  |  |  |  |
Operating labor | 78,761 |  |  | 374,033 |  |  |  |  | 14,158 |  |  | 466,952 |
Non-labor operating expenses(1) | 221,479 |  |  | 375,006 |  |  |  |  | 17,272 |  |  | 613,757 |
Depreciation and amortization | 1,024 |  |  | 15,085 |  |  |  |  | 1,139 |  |  | 17,248 |
Other segment expenses(2) | 35,722 |  |  | 18,699 |  |  |  |  | 6,733 |  |  | 61,154 |
Segment operating profit | 185,896 |  |  | 222,967 |  |  |  |  | 4,139 |  |  | 413,002 |
Corporate |  |  |  |  |  |  |  |  | (200,526) |
Operating profit |  |  |  |  |  |  |  |  | 212,476 |
Debt refinancing charges |  |  |  |  |  |  |  |  | 6,604 |
Interest expense |  |  |  |  |  |  |  |  | 85,163 |
Interest income |  |  |  |  |  |  |  |  | (2,453) |
Earnings before income taxes |  |  |  |  |  |  |  |  | $ | 123,162 |
(1) Includes Lease Charge-Offs of $159.3 million and $63.3 million in the Acima and Rent-A-Center segment for the nine months ended September 30, 2024. (2) Includes certain general and administrative expenses and other gains and charges. See Note 9 for additional information regarding other gains and charges.
| Three Months Ended September 30, |  | Nine Months Ended September 30,
(in thousands) | 2025 |  | 2024 |  | 2025 |  | 2024
Capital expenditures |  |  |  |  |  |  |
Acima | $ | — |  |  | $ | 246 |  |  | $ | 430 |  |  | $ | 1,454 |
Rent-A-Center | 6,804 |  |  | 10,089 |  |  | 14,921 |  |  | 20,543 |
Brigit | 36 |  |  | — |  |  | 341 |  |  | — |
Mexico | 951 |  |  | 199 |  |  | 2,730 |  |  | 1,697 |
Total operating segments | 7,791 |  |  | 10,534 |  |  | 18,422 |  |  | 23,694 |
Corporate | 12,713 |  |  | 7,414 |  |  | 30,905 |  |  | 20,498 |
Total capital expenditures | $ | 20,504 |  |  | $ | 17,948 |  |  | $ | 49,327 |  |  | $ | 44,192 |
(in thousands) | September 30, 2025 |  | December 31, 2024
On rent rental merchandise, net |  |  |
Acima | $ | 660,590 |  |  | $ | 693,095 |
Rent-A-Center | 405,761 |  |  | 420,382 |
Mexico | 24,483 |  |  | 21,383 |
Total on rent rental merchandise, net | $ | 1,090,834 |  |  | $ | 1,134,860 |
(in thousands) | September 30, 2025 |  | December 31, 2024
Held for rent rental merchandise, net |  |  |
Acima | $ | 266 |  |  | $ | 261 |
Rent-A-Center | 121,245 |  |  | 104,302 |
Mexico | 10,476 |  |  | 9,359 |
Total held for rent rental merchandise, net | $ | 131,987 |  |  | $ | 113,922 |
(in thousands) | September 30, 2025 |  | December 31, 2024
Assets by segment |  |  |
Acima | $ | 1,241,490 |  |  | $ | 1,301,657 |
Rent-A-Center | 960,152 |  |  | 977,787 |
Brigit | 431,530 |  |  | — |
Mexico | 56,276 |  |  | 47,608 |
Total operating segments | 2,689,448 |  |  | 2,327,052 |
Corporate | 522,186 |  |  | 322,610 |
Total assets | $ | 3,211,634 |  |  | $ | 2,649,662 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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