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Segment Information
 9 Months Ended
Sep. 30, 2025
Segment Information [Abstract]  
Segment Information Segment Information
The operating segments reported below are the segments for which separate financial information is available and for which segment results are evaluated by our Chief Operating Decision Makers (“CODMs”). Our CODMs include Upbound’s Chief Executive Officer and Chief Financial Officer. Our CODMs regularly review the revenues and operating profit for each operating segment in comparison to Company projections and previously reported periods, in addition to other factors, including the Company’s strategic initiatives, as well as industry, macroeconomic, and market trends, in determining the appropriate allocation of resources to support our business operations. Our operating segments are organized based on factors including, but not limited to, type of business transaction, geographic location and store ownership. On January 31, 2025, we established a new operating segment following the acquisition of Brigit. Please reference Note 2 for additional discussion of the acquisition. In addition we combined our Franchising segment with our Rent-A-Center segment. Financial information disclosed within this report has been recast for the related prior year period to reflect this change. We report four operating segments: Acima, Rent-A-Center, Brigit and Mexico.
Segment information is as follows:
 Three Months Ended September 30, 2025
(in thousands)Acima
Rent-A-Center
BrigitMexicoTotal
Revenues$625,272 $461,090 $57,663 $20,692 $1,164,717 
Cost of revenues441,995 147,065 6,631 5,950 601,641 
Gross profit183,277 314,025 51,032 14,742 563,076 
Operating expenses
Operating labor25,166 120,585 1,184 4,791 151,726 
Non-labor operating expenses(1)
82,626 114,506 38,767 6,179 242,078 
Depreciation and amortization386 5,222 21 549 6,178 
Other segment expenses(2)
11,412 17,292 6,491 1,909 37,104 
Segment operating profit63,687 56,420 4,569 1,314 125,990 
Corporate(73,237)
Operating profit52,753 
Debt refinancing charges4,894 
Interest expense28,662 
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
BrigitMexicoTotal
Revenues$1,881,526 $1,417,233 $141,414 $58,443 $3,498,616 
Cost of revenues1,316,809 463,424 16,623 16,730 1,813,586 
Gross profit564,717 953,809 124,791 41,713 1,685,030 
Operating expenses
Operating labor73,559 359,910 2,964 13,552 449,985 
Non-labor operating expenses(1)
236,269 356,418 81,513 17,033 691,233 
Depreciation and amortization1,093 15,888 49 1,470 18,500 
Other segment expenses(2)
34,398 35,757 16,395 5,185 91,735 
Segment operating profit219,398 185,836 23,870 4,473 433,577 
Corporate(267,475)
Operating profit166,102 
Debt refinancing charges4,894 
Interest expense84,983 
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
MexicoTotal
Revenues$566,183 $483,646 $19,030 $1,068,859 
Cost of revenues392,214 160,243 5,316 557,773 
Gross profit173,969 323,403 13,714 511,086 
Operating expenses
Operating labor26,197 122,011 4,427 152,635 
Non-labor operating expenses(1)
72,042 118,464 5,504 196,010 
Depreciation and amortization352 5,243 405 6,000 
Other segment expenses(2)
11,384 4,418 2,494 18,296 
Segment operating profit63,994 73,267 884 138,145 
Corporate(68,086)
Operating profit70,059 
Interest expense26,801 
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
MexicoTotal
Revenues$1,680,323 $1,500,548 $60,465 $3,241,336 
Cost of revenues1,157,441 494,758 17,024 1,669,223 
Gross profit522,882 1,005,790 43,441 1,572,113 
Operating expenses
Operating labor78,761 374,033 14,158 466,952 
Non-labor operating expenses(1)
221,479 375,006 17,272 613,757 
Depreciation and amortization1,024 15,085 1,139 17,248 
Other segment expenses(2)
35,722 18,699 6,733 61,154 
Segment operating profit185,896 222,967 4,139 413,002 
Corporate(200,526)
Operating profit212,476 
Debt refinancing charges6,604 
Interest expense85,163 
Interest income(2,453)
Earnings before income taxes$123,162 
(1)    Includes Lease Charge-Offs of $159.3 million and $63.3 million in the Acima and Rent-A-Center segment for the nine months ended September 30, 2024.
(2) Includes certain general and administrative expenses and other gains and charges. See Note 9 for additional information regarding other gains and charges.
Three Months Ended September 30,Nine Months Ended September 30,
(in thousands)2025202420252024
Capital expenditures
Acima$— $246 $430 $1,454 
Rent-A-Center6,804 10,089 14,921 20,543 
Brigit36 — 341 — 
Mexico951 199 2,730 1,697 
Total operating segments7,791 10,534 18,422 23,694 
Corporate12,713 7,414 30,905 20,498 
Total capital expenditures$20,504 $17,948 $49,327 $44,192 
(in thousands)September 30, 2025December 31, 2024
On rent rental merchandise, net
Acima$660,590 $693,095 
Rent-A-Center405,761 420,382 
Mexico24,483 21,383 
Total on rent rental merchandise, net$1,090,834 $1,134,860 
(in thousands)September 30, 2025December 31, 2024
Held for rent rental merchandise, net
Acima$266 $261 
Rent-A-Center121,245 104,302 
Mexico10,476 9,359 
Total held for rent rental merchandise, net$131,987 $113,922 
(in thousands)September 30, 2025December 31, 2024
Assets by segment
Acima$1,241,490 $1,301,657 
Rent-A-Center960,152 977,787 
Brigit431,530 — 
Mexico56,276 47,608 
Total operating segments2,689,448 2,327,052 
Corporate522,186 322,610 
Total assets$3,211,634 $2,649,662