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Upbound Group, Inc. UPBD Provision for Credit Losses

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Other financials

Income statement

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Revenue$1.2B+3.7%
Gross profit$586.5M+6.6%
Operating income$77.4M+23.7%
Net income$35.8M+44.4%
EPS (diluted)$0.61+45.2%

Balance sheet

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Cash & equivalents$98.4M-8.3%
Total debt$1.3B-5.9%
Total equity$715.7M+5.4%
Total assets$3.1B+2.8%

Cash flow

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Operating cash flow$170.7M+15.3%
CapEx$16.0M+50.9%
Free cash flow$154.7M+12.6%

Valuation

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Market cap$1.14B-18.5%
Enterprise value$2.34B-12.4%
P/E13.6×+1.9×
P/S0.2×-0.1×

Profitability

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Gross margin48.7%+1.0pp
Operating margin5%-1.6pp
Net margin1.8%-1.0pp
FCF margin5.8%

Returns & leverage

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Return on equity12.1%-7.1pp
Debt / equity1.8×-0.2×

Where this comes from

Reported directly by Upbound Group, Inc. in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Upbound Group, Inc.’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Upbound Group, Inc.'s provision for credit losses?
Upbound Group, Inc. (UPBD) reported provision for credit losses of $21.95M in Q1 2026.
How has Upbound Group, Inc.'s provision for credit losses changed year-over-year?
Upbound Group, Inc.'s provision for credit losses increased by 47.9% year-over-year, from $14.84M to $21.95M.
What is the long-term trend for Upbound Group, Inc.'s provision for credit losses?
Over 4 years (2021 to 2025), Upbound Group, Inc.'s provision for credit losses has grown at a 51.1% compound annual growth rate (CAGR), from $14.4M to $75.14M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.