Upbound Group, Inc. is a technology and data driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. The company operates as a leading lease to own provider with a presence in the United States Puerto Rico and Mexico. Through its lease to own offerings it enables customers to obtain ownership of high quality name brand durable products under flexible agreements that do not create long term debt obligations. In addition the company provides financial health tools such as earned wage access credit building savings and identity theft protection following the acquisition of Brigit. Its business model combines technology data analytics and retail partnerships to serve consumers who seek alternative payment options.

Upbound Group, Inc. generates revenue from several distinct streams. The primary source is rentals and fees earned from lease to own agreements across its Acima and Rent-A-Center segments. Merchandise sales contribute revenue when customers exercise early purchase options on leased items. Subscription based fees are derived from the Brigit segment for services such as earned wage access credit builder savings tools and identity theft protection. Additional revenue comes from other sources including transaction fees and ancillary services. The company serves individual consumers who need flexible ways to acquire goods and manage cash flow as well as retail partners that use its platform to increase sales and broaden their customer reach.

The company operates through the following segments: Acima, Rent-A-Center, Brigit, and Mexico.

• Acima: Provides lease to own solutions through a network of retailers that operate both physical stores and online platforms. This segment enables retailers to grow sales by offering customers access to a wide range of durable products including furniture appliances electronics and smartphones under flexible lease to own agreements. Acima’s technology platform supports real time approvals and seamless integration with partner systems.

• Rent-A-Center: Delivers a fully integrated customer experience through its brick and mortar stores and its electronic commerce platform. The segment offers lease to own transactions for household goods such as furniture appliances and electronics allowing customers to lease items with the option to purchase at the end of the term. Rent-A-Center emphasizes an omnichannel approach that lets shoppers start a transaction online and complete it in store or vice versa.

• Brigit: Offers a suite of financial health products designed to help consumers improve their financial well being. These include earned wage access that lets users access a portion of their earned wages before payday credit builder tools that assist in establishing or improving credit scores savings programs that encourage regular deposits and identity theft protection services that monitor and safeguard personal information. Brigit’s offerings are delivered primarily through mobile applications and online channels.

• Mexico: Provides lease to own services in Mexico through store based and online channels. This segment offers customers in Mexico the ability to lease durable goods such as furniture appliances and electronics under flexible lease to own arrangements. The Mexico segment leverages the same core lease to own model as the Rent-A-Center segment while adapting to local market preferences and regulatory requirements.

Upbound Group, Inc. holds a leading position in the lease to own industry competing with traditional rent to own stores virtual lease to own platforms buy now pay later services and financial health technology firms. Its competitive advantages arise from data driven underwriting algorithms that improve approval rates and reduce risk a broad network of retail partners that increases product availability and an integrated omnichannel approach that enhances convenience and customer satisfaction. The company’s focus on technology innovation and inclusive financial solutions differentiates it from many peers that rely solely on physical storefronts.

The company serves underserved consumers who need alternative ways to acquire essential household items and improve their financial stability. This includes individuals who may have limited access to traditional credit and those seeking flexible payment options for durable goods. Upbound Group, Inc. also works with retail partners ranging from small independent stores to large national chains that want to expand their customer base and increase sales by offering lease to own options at the point of sale. Additionally the financial health tools of the Brigit segment are used by consumers aiming to build credit manage cash flow and protect against identity theft.