Upbound Group (UPBD) risk factors
Item 1A of every Upbound Group, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors55 risks7 new8 dropped22 reworded
Upbound Group added new operational risks tied to its Brigit fintech acquisition, increased regulatory and licensing scrutiny, and credit facility limits. The company updated disclosures on AI integration, environmental factors, and its total indebtedness of approximately $1.6 billion.
Filed Feb 23, 2026 - FY2024 10-K risk factors56 risks
Upbound Group faces regulatory and legal scrutiny, particularly regarding its Acima and Brigit businesses from the CFPB and FTC. The company relies heavily on proprietary algorithms and third-party bank and data partners. Consumer spending behavior and supply chain disruptions heavily influence lease-to-own operational success.
Filed Feb 25, 2025