UPBD Upbound Group, Inc. - Common Stock

NASDAQ · Retail · View on SEC EDGAR ↗
$19.51
Price · Aug 19, 2026
Fundamentals as of Jul 31, 2026

About Upbound Group, Inc. - Common Stock Company overview from Wikipedia

Rent-A-Center is an American public furniture and electronics rent-to-own company based in Plano, Texas. The company was incorporated in 1986 and as of 2014 operates approximately 2,972 company-owned stores in the United States, Puerto Rico and Mexico, accounting for approximately 35% of the rent-to-own market in the United States based on store count.

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Rent-A-Center is an American public furniture and electronics rent-to-own company based in Plano, Texas. The company was incorporated in 1986 and as of 2014 operates approximately 2,972 company-owned stores in the United States, Puerto Rico and Mexico, accounting for approximately 35% of the rent-to-own market in the United States based on store count.

Rent-A-Center's operations include 24 retail installment stores called Get It Now (based in Wisconsin); 17 Home Choice stores in Minnesota. Its subsidiary, Rent-A-Center Franchising International Inc. (RACFI), formerly known as ColorTyme Inc., is America's first franchisor of independently owned-and-operated rent-to-own stores. Its franchisees operate 162 rent-to-own stores in 31 states under the Rent-A-Center and ColorTyme brand names, and the company's wheels-and-tires franchise brand, RimTyme, operates 31 stores in 13 states.

In 2014, Fortune Magazine listed Rent-A-Center at number 711 on the Fortune 1000 list of the largest US corporations, based on revenues alone.

History

The rent-to-own business was started by Ernie Talley in Wichita, Kansas during the 1960s when he told customers of his store, Mr. T's Rental, that they had rented a washer and dryer for a long enough duration that they had paid for it in full and now owned it. Thomas Devlin, a former employee of Mr. T's rental, recognized the potential of renting name-brand products and partnered with W. Frank Barton and founded the Rent-A-Center brand in Wichita, Kansas in 1973.

Mark Speese joined Rent-A-Center in 1979. In 1986, Mr. Speese and a colleague left Rent-A-Center and started a competing business known as Vista Rent-To-Own. Ernest Talley then joined Vista Rent-To-Own as chairman of the board of directors in 1989 and remained Chairman through Vista's transition to Rent-A-Center. In 1987, Thorn EMI acquired Rent-A-Center for $594 million.

Vista Rent-To-Own changed its name to Renters Choice, Inc. in December 1993, in connection with the acquisition from DEF Investments, Inc. and certain related entities of an 84 store rent-to-own chain operating in 12 states.

Renters Choice went public on the NASDAQ stock exchange in 1995 under the symbol "RCII". In August 1998, Renters Choice acquired Thorn Americas, Inc., which operated 1,474 stores in 49 states and the District of Columbia under the name "Rent-A-Center". On December 31, 1998, Renters Choice changed its name to Rent-A-Center, Inc. and began operating all of its stores under the "Rent-A-Center" brand name.

In 2001, Talley retired and Speese was appointed as Rent-A-Center's Chairman and CEO. In February 2003, Rent-A-Center acquired 295 stores from Rent-Way, Inc. In March 2004, Rent-A-Center commenced operating in Canada with the acquisition of five stores located in Edmonton and Calgary, Alberta. In May 2004, Rent-A-Center completed the acquisitions of Rainbow Rentals, Inc. and Rent Rite, Inc. Rent-A-Center completed its acquisition of competitor Rent-Way, Inc. on November 15, 2006, for a price of approximately $600.3 million. At the time of the acquisition, Rent-Way was ranked number three in the rent-to-own industry with 782 stores in 34 states. The Rent-Way store acquisition program brought the store total to 3,535 stores. Given that the acquisition resulted in over-penetration in some markets, Rent-A-Center carried out the closing or merging of 282 stores between 2007 and 2009. With 123 Mexico stores as of December 2019, Rent-A-Center is continuing its expansion in Mexico.

Launched in 2006, under the brand name RAC Acceptance, Rent-A-Center, Inc. operates lease-to-own kiosks within third-party retail locations across the country. The kiosks transitioned to the AcceptanceNOW brand in January 2014.

Mark Speese retired as Rent-A-Center CEO at the end of January 2014. Rent-A-Center CFO Robert Davis served as CEO from January 2014 to January 2017, when Mark Speese returned as interim CEO.

In January 2018, Mark Speese stepped down as CEO and was succeeded by former president Mitchell Fadel.

In August 2019, Rent-A-Center completed the acquisition of Merchants Preferred, a nationwide provider of virtual lease-to-own services. After acquiring Merchants Preferred, Rent-A-Center unveiled its integrated retail partner offering, Preferred Lease. Preferred Lease is the combined business model of AcceptanceNOW's staffed lease-to-own business with Merchants Preferred's virtual lease-to-own business.

On February 27, 2023, Rent-A-Center, Inc. changed their corporate name to Upbound Group, Inc. and consolidated several brands from their acquisition of Acima Holdings two years prior.

Business operations

RAC provides new and used brand-named furniture, appliances, computers and electronics from brands, such as Ashley Furniture, Sony, Whirlpool Corporation, Dell and HP. As part of their rent-to-own business model, Rent-A-Center generally makes its items available with small initial payments and no long term obligations. Customers can return an item at any time, for any reason, without penalty and also have the option to re-rent the same item and pick up the payments where they left off. Delivery, pickup, service and repair are also included in the stated rental price. Customers can also upgrade items while they are renting—the payments will change accordingly.

In March 2007, the corporate office moved to a new location at 5501 Headquarters Drive, Plano, Texas, in the Legacy Business Park. Construction began on the 175,000-square-foot (16,300 m2) building in January 2006. Employees moved into the building on March 16, 2007. The current headquarters measures three stories and includes structured parking for 400 vehicles, a fitness center, game room and lunchroom. In January 2020, Cawley Partners announced the acquisition of the Rent-A-Center corporate office, leasing back 60 percent of the building to Rent-A-Center.

In July 2015, Rent A Center sold several Ontario Locations to EasyHome for $3.4 million. With this agreement, Rent A Center & EasyHome signed a 3-year agreement to a non-compete contract that each company cannot open any stores in each other's countries.

Philanthropy

Rent-A-Center supports charities that provide family and youth empowerment opportunities. Beginning in 2003, the company made donations to Big Brothers Big Sisters of America locations, collected by means of fundraisers held on an annual basis in Rent-A-Center stores. Between 2005 and 2010, Rent-A-Center donated and set up 116 "RAC Rooms" at Boys and Girls Clubs of America locations, in which each club selects $5,000 worth of new furniture, electronics and computers for their room.

Since 2003, Rent-A-Center has provided monetary and product contributions totaling nearly $1.2 million to date to the North Texas Food Bank. Employees in the Field Support Center have also volunteered over 1,000 hours to Dallas-area food banks during the annual North Texas Food Bank campaign. Rent-A-Center has also donated more than $1.25 million to 11 other food banks across the country since 2009. This is in addition to a hunger-relief campaign staged across Rent-A-Center's 3,000-plus US stores throughout the month of September. This effort supports Hunger Action Month. This virtual food drive leverages Rent-A-Center's stores as collection points for cash donations. The donated funds are distributed to food banks across the US and Puerto Rico at the conclusion of the month-long campaign.

Reception and litigation

A number of consumer protection concerns have been raised about the rent-to-own industry, including accusations of predatory lending. Consumer advocates believe that rent-to-own transactions such as those offered by Rent-A-Center should be treated as credit sales, and point out that the final price of a product can be two or three times the retail price. In an April 2000 Federal Trade Commission study on the industry, 75% of respondents stated that they were satisfied with their rent-to-own experience, whereas 19% were dissatisfied.

In 2000, Rent-A-Center was sued for sexual bias in the hiring of women. The 2002 settlement agreement resulted in a $47 million cash payment by Rent-A-Center and mandated that Rent-A-Center offer 10% of future vacancies over the following 15-month period to women who were found to be past victims of discrimination. The settlement also led Rent-A-Center to seek qualified women to serve on its board of directors, develop equal employment training programs, and hire a new human resources vice president to implement hiring policies that ensured equal employment opportunity for female job applicants and current employees.

In 2006, Rent-A-Center settled for $7 million in restitution and $750,000 in civil penalties for deceptive business practices in California. The State of California claimed RAC, in violation of state law, engaged in unfair competition and illegally misrepresented the price of certain merchandise. As a result of the settlement, RAC also deposited more than $7 million into a special consumer protection fund that is used to enforce consumer protection laws.

In 2010, seven months after the Washington Attorney General's Office sued Rent-A-Center and accused the national lease-to-own chain of unfair and deceptive collection practices under Washington's Consumer Protection Act, Rent-A-Center agreed to settle.

Another prominent case in 2010 was Rent-A-Center vs. Jackson which arose out of an employment discrimination claim brought on by former RAC employee Antonio Jackson. The case reached the Supreme Court, which sided with RAC in a 5–4 decision. The court held that if a company's arbitration agreement includes a clause delegating fairness challenges to the arbitrator, a court must enforce that agreement and send the matter to arbitration. When Jackson first sued, Rent-A-Center cited its arbitration agreement and claimed that any challenges to the agreement had to be decided by the arbitrator.

In 2020, Rent-A-Center settled a California class action suit for $13 million, with the suit involving a group of customers challenging improper add-on freight charges.

In November 2023, Rent-A-Center paid the state of Massachusetts $8.75 million to settle claims of unfair and deceptive business practices. RAC also agreed to stop filing criminal complaints against its customers for missed payments.

Other names

The Rent-A-Center company converted its Wisconsin stores to Get-It-Now! credit sale outlets after a judicial decision held that the state's consumer protection laws defining credit sales included rent-to-own businesses. Rent-A-Center is also known as Acceptance Now or Preferred Lease within its partner stores in the US in which it has kiosks.

In Mexico, the company is simply known as RAC (sounded out like the word "rack"), and the company operates as Home Choice in Minnesota, also due to similar rent-to-own laws from those in Wisconsin.

Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗

Wikidata ↗

UPBD Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$19.50
Market Cap
$2.52B
P/E (TTM)
15.7
EPS (TTM)
$1.25
Revenue (TTM)
$4.70B
Div Yield
3.5%
ROE
11.1%
Debt/Equity
52W Range
$16 – $28

UPBD Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $4.70B
10-point trend, +58.4%
2016-12-31 2025-12-31
EPS $1.25
10-point trend, +163.1%
2016-12-31 2025-12-31
Free Cash Flow $239M
8-point trend, -18.4%
2016-12-31 2025-12-31
Margins 1.6%
8-point trend, -25.9%
2016-12-31 2025-12-31

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
UPBD
Peer Median
P/E (TTM)
5-point trend, -40.9%
15.7
21.3
P/S (TTM)
5-point trend, -68.4%
0.5
0.8
P/B
5-point trend, -55.1%
3.6
6.1
Price / FCF
5-point trend, -55.4%
10.6

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
UPBD
Peer Median
Gross Margin
5-point trend, -18.6%
48.4%
46.0%
Operating Margin
5-point trend, -43.5%
4.8%
Net Profit Margin
5-point trend, -78.9%
1.6%
5.6%
ROA
5-point trend, -80.2%
2.5%
7.0%
ROE
5-point trend, -72.1%
11.1%
22.0%
ROIC
5-point trend, -41.9%
21.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
UPBD
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
UPBD
Peer Median
Revenue YoY
5-point trend, +2.4%
8.7%
Revenue CAGR 3Y
5-point trend, +2.4%
3.4%
Revenue CAGR 5Y
5-point trend, +2.4%
10.8%
EPS YoY
5-point trend, -38.1%
-43.4%
Net Income YoY
5-point trend, -45.7%
-40.7%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
UPBD
Peer Median
EPS (Diluted)
5-point trend, -38.1%
$1.25

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
UPBD
Peer Median
Payout Ratio
5-point trend, +295.5%
120.0%

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
3.5%
Payout Ratio
120.0%
5Y Div CAGR
Ex-dateAmount
June 16, 2026$0.3900
April 7, 2026$0.3900
Dec. 17, 2025$0.3900
Sept. 30, 2025$0.3900
June 17, 2025$0.3900
April 2, 2025$0.3900
Dec. 18, 2024$0.3900
Oct. 1, 2024$0.3700
June 18, 2024$0.3700
April 2, 2024$0.3700
Dec. 18, 2023$0.3700
Oct. 2, 2023$0.3400
June 16, 2023$0.3400
April 4, 2023$0.3400
Dec. 19, 2022$0.3400
Oct. 3, 2022$0.3400
June 17, 2022$0.3400
April 4, 2022$0.3400
Dec. 15, 2021$0.3400
Sept. 27, 2021$0.3100

UPBD Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 13 analysts
  • Strong Buy 3 23.1%
  • Buy 7 53.8%
  • Hold 3 23.1%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

6 analysts · 2026-08-18
Median target $27.25 +39.7%
Mean target $28.25 +44.8%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.01%
Period EPS Actual EPS Est Surprise
June 30, 2026 $1.07 $1.07 0.00%
March 31, 2026 $1.08 $1.09 -0.01%
Dec. 31, 2025 $1.01 $0.99 0.02%
Sept. 30, 2025 $1.00 $1.02 -0.02%
June 30, 2025 $1.12 $1.08 0.04%
March 31, 2025 $1.00 $0.97 0.03%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
UPBD $2.27B 14.0 8.7% 1.6% 11.1% 48.4%
ASO $3.65B 10.1 2.0% 6.2% 17.7% 34.8%
SBH $1.59B 8.6 -0.42% 5.3% 26.2% 51.6%
EYE $2.06B 70.1 9.0% 1.5% 3.4%
WINA $1.47B 36.3 5.9% 48.4% -92.0%
HZO $554M -17.7 -5.0% -1.4% -3.3% 32.5%
WOOF 89.3 -2.5% 0.15% 0.80% 38.7%
BBW 15.0 6.7%
BNED $354M 21.0 6.5% 0.98% 5.8% 21.3%
CLBR
ULTA $27.83B 24.6 9.7% 9.3% 42.7% 39.1%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 16
Annual Income Statement data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +48.7% $4.70B $4.32B $3.99B $4.25B $4.58B $2.81B $2.67B $2.66B $2.70B $2.96B $3.28B $3.16B
Cost of Revenue 12-point trend, +148.9% $2.42B $2.24B $1.97B $2.17B $2.35B $1.14B $1.03B $972M $984M $1.03B $1.16B $973M
Gross Profit 12-point trend, +4.0% $2.27B $2.08B $2.02B $2.08B $2.24B $1.67B $1.64B $1.69B $1.72B $1.94B $2.12B $2.18B
SG&A Expense 12-point trend, +42.9% $232M $212M $202M $186M $195M $153M $143M $163M $171M $169M $166M $162M
Operating Expenses 12-point trend, +2.9% $2.05B $1.79B $1.86B $1.93B $1.95B $1.43B $1.39B $1.63B $1.78B $2.00B $3.13B $1.99B
Operating Income 12-point trend, +15.4% $223M $292M $163M $149M $281M $237M $254M $56M $-63M $-67M $-1.01B $193M
Interest Expense 12-point trend, +136.1% $113M $111M $113M $88M $71M $15M $31M $43M $46M $47M $49M $48M
Interest Income 12-point trend, +176.5% $3M $3M $3M $641.0K $221.0K $768.0K $3M $1M $791.0K $503.0K $634.0K $947.0K
Pretax Income 12-point trend, -24.1% $108M $178M $53M $61M $194M $223M $224M $14M $-110M $-113M $-1.06B $142M
Income Tax 12-point trend, -24.1% $35M $54M $58M $49M $59M $15M $50M $5M $-117M $-8M $-103M $46M
Net Income 12-point trend, -24.0% $73M $123M $-5M $12M $135M $208M $174M $8M $7M $-105M $-954M $96M
EPS (Basic) 12-point trend, -28.6% $1.30 $2.26 $-0.09 $0.23 $2.37 $3.84 $3.19 $0.16 $0.12 $-1.98 $-17.97 $1.82
EPS (Diluted) 12-point trend, -30.9% $1.25 $2.21 $-0.09 $0.21 $2.02 $3.73 $3.10 $0.16 $0.12 $-1.98 $-17.97 $1.81
Shares (Basic) 12-point trend, +6.9% 56,479,000 54,654,000 54,978,000 53,850,000 57,053,000 54,187,000 54,325,000 53,471,000 53,282,000 53,121,000 53,050,000 52,850,000
Shares (Diluted) 12-point trend, +10.3% 58,612,000 55,933,000 54,978,000 58,966,000 66,839,000 55,754,000 55,955,000 54,542,000 53,844,000 53,121,000 53,050,000 53,126,000
EBITDA 9-point trend, +122.2% $223M $292M · $149M $281M $237M $254M · $-63M $-67M $-1.01B ·
Balance Sheet 16
Annual Balance Sheet data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +161.3% $121M $61M $94M $144M $108M $159M $70M $155M $73M $95M $60M $46M
PP&E (Net) 12-point trend, -6.8% $310M $254M $273M $295M $308M $142M $166M $226M $283M $316M $331M $333M
PP&E (Gross) 12-point trend, +12.1% $867M $803M $884M $872M $866M $647M $689M $778M $809M $839M $813M $773M
Accum. Depreciation 12-point trend, +26.4% $557M $549M $611M $577M $557M $505M $523M $552M $526M $522M $482M $441M
Goodwill 12-point trend, -64.4% $488M $290M $290M $290M $290M $70M $70M $57M $57M $55M $206M $1.37B
Intangibles 12-point trend, +4540.8% $350M $255M $301M $359M $425M $8M $9M $499.0K $882.0K $5M $8M $8M
Total Assets 12-point trend, +0.1% $3.28B $2.65B $2.72B $2.76B $2.99B $1.75B $1.58B $1.40B $1.42B $1.60B $1.97B $3.27B
Deferred Tax 3-point trend, +88.3% · · · · · · $164M $119M $87M · · ·
Total Liabilities 12-point trend, +37.1% $2.58B $2.02B $2.16B $2.24B $2.48B $1.16B $1.12B $1.11B $1.15B $1.34B $1.59B $1.88B
Long-term Debt 2-point trend, -54.9% · · · · · · · · · $192M $426M ·
Common Stock 12-point trend, +3.0% $1M $1M $1M $1M $1M $1M $1M $1M $1M $1M $1M $1M
Retained Earnings 12-point trend, -47.1% $1.02B $1.04B $995M $1.08B $1.14B $1.09B $948M $806M $799M $801M $923M $1.93B
Treasury Stock 12-point trend, +40.3% $1.89B $1.89B $1.89B $1.84B $1.77B $1.38B $1.35B $1.35B $1.35B $1.35B $1.35B $1.35B
Stockholders' Equity 12-point trend, -49.9% $696M $629M $560M $525M $513M $592M $459M $287M $272M $265M $384M $1.39B
Liabilities + Equity 12-point trend, +0.1% $3.28B $2.65B $2.72B $2.76B $2.99B $1.75B $1.58B $1.40B $1.42B $1.60B $1.97B $3.27B
Shares Outstanding 12-point trend, +18.0% 128,997,000 125,797,000 125,415,000 125,028,000 124,398,000 112,181,000 111,166,000 109,910,000 109,682,000 109,519,000 109,442,000 109,353,000
Cash Flow 16
Annual Cash Flow data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
D&A 4-point trend, -2.1% $52M $51M $51M $53M · · · · · · · ·
Stock-based Comp 12-point trend, +591.7% $45M $36M $162M $159M $148M $12M $7M $6M $4M $9M $10M $7M
Deferred Tax 12-point trend, +90.8% $48M $-30M $-14M $-40M $48M $-6M $56M $6M $-82M $-32M $-129M $25M
Amort. of Intangibles 12-point trend, +1898.4% $59M $46M $58M $66M $103M $1M $723.0K $671.0K $5M $2M $3M $3M
Restructuring 9-point trend, +33.7% · · · $6M $29M $9M $8M $35M $4M $8M $5M $4M
Operating Cash Flow 12-point trend, +1498.8% $306M $105M $200M $468M $392M $237M $215M $228M $111M $354M $231M $19M
CapEx 12-point trend, -20.2% $67M $56M $53M $61M $62M $35M $21M $28M $65M $61M $81M $84M
Investing Cash Flow 12-point trend, -317.7% $-404M $-42M $-51M $-62M $-1.34B $-21M $21M $-5M $-63M $-59M $-90M $-97M
Stock Repurchased 11-point trend, +0.00 $0 $0 $50M $75M $390M $27M $1M $0 $0 · $0 $0
Net Stock Activity 7-point trend, +0.00 $0 $0 · $-75M $-390M $-27M $-1M · · · $0 ·
Dividends Paid 12-point trend, +80.6% $88M $82M $83M $79M $72M $63M $14M $0 $13M $26M $51M $49M
Financing Cash Flow 12-point trend, +88.9% $156M $-94M $-202M $-371M $893M $-127M $-322M $-140M $-71M $-260M $-124M $83M
Net Change in Cash 12-point trend, +1449.0% $60M $-33M $-50M $36M $-51M $89M $-85M $82M $-22M $35M $14M $4M
Taxes Paid $70M · · · · · · · · · · ·
Free Cash Flow 9-point trend, +59.5% $239M $48M · $407M $330M $202M $194M · $45M $293M $150M ·
Levered FCF 9-point trend, +48.5% $162M $-28M · $389M $281M $188M $170M · $48M $249M $109M ·
Profitability 8
Annual Profitability data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Gross Margin 9-point trend, -25.1% 48.4% 48.1% · 49.0% 48.8% 59.4% 61.6% · 63.6% 65.3% 64.6% ·
Operating Margin 9-point trend, +115.5% 4.8% 6.8% · 3.5% 6.1% 8.4% 9.5% · -2.3% -2.2% -30.7% ·
Net Margin 9-point trend, +105.9% 1.6% 2.9% · 0.29% 2.9% 7.4% 6.5% · 0.25% -3.5% -26.4% ·
Pretax Margin 9-point trend, +107.1% 2.3% 4.1% · 1.5% 4.2% 7.9% 8.4% · -4.1% -3.8% -32.2% ·
EBITDA Margin 9-point trend, +115.5% 4.8% 6.8% · 3.5% 6.1% 8.4% 9.5% · -2.3% -2.2% -30.7% ·
ROA 9-point trend, +107.5% 2.5% 4.6% · 0.43% 5.7% 12.5% 11.7% · 0.44% -5.9% -33.0% ·
ROE 9-point trend, +111.9% 11.1% 20.8% · 2.4% 24.4% 39.6% 46.1% · 2.5% -32.4% -93.2% ·
ROIC 9-point trend, +112.4% 21.8% 32.2% · 5.7% 38.0% 37.5% 42.9% · 1.4% -23.3% -175.7% ·
Liquidity & Solvency 1
Annual Liquidity & Solvency data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Interest Coverage 9-point trend, +109.7% 2.0 2.6 · 1.7 4.0 15.5 8.2 · -1.4 -1.4 -20.4 ·
Efficiency 1
Annual Efficiency data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 9-point trend, +27.1% 1.6 1.6 · 1.5 1.9 1.7 1.8 · 1.8 1.7 1.2 ·
Per Share 7
Annual Per Share data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share 9-point trend, +25.5% $5.39 $5.00 · $4.20 $4.13 $5.28 $4.13 · $2.48 $2.42 $4.30 ·
Revenue / Share 9-point trend, +29.6% $80.10 $77.25 · $72.00 $68.57 $50.48 $47.71 · $50.19 $55.78 $61.80 ·
Cash Flow / Share 9-point trend, +20.0% $5.21 $1.87 · $7.94 $5.87 $4.24 $3.85 · $2.05 $6.66 $4.34 ·
Cash / Share 9-point trend, +69.4% $0.93 $0.48 · $1.15 $0.87 $1.42 $0.63 · $0.67 $0.87 $0.55 ·
Dividend / Share 6-point trend, +67.7% $2 $2 $1 · · · · · · $0 $1 $1
Dividend Paid / Share 10-point trend, +56.3% · $2 $1 $1 $1 $1 $1 $0 $0 $0 $1 ·
EPS (TTM) 12-point trend, -30.9% $1.25 $2.21 $-0.09 $0.21 $2.02 $3.73 $3.10 $0.16 $0.12 $-1.98 $-17.97 $1.81
Growth Rates 10
Annual Growth Rates data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, -86.2% 8.7% 8.2% -6.0% -7.4% 62.9% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -72.4% 3.4% -1.9% 12.4% · · · · · · · · ·
Revenue CAGR 5Y 10.8% · · · · · · · · · · ·
EPS YoY 3-point trend, +5.2% -43.4% · · -89.6% -45.8% · · · · · · ·
EPS CAGR 3Y 2-point trend, +2572.0% 81.2% 3.0% · · · · · · · · · ·
EPS CAGR 5Y -19.6% · · · · · · · · · · ·
Net Income YoY 3-point trend, -15.7% -40.7% · · -90.8% -35.2% · · · · · · ·
Net Income CAGR 3Y 2-point trend, +2872.9% 81.0% -2.9% · · · · · · · · · ·
Net Income CAGR 5Y -18.9% · · · · · · · · · · ·
Dividend CAGR 5Y 6.8% · · · · · · · · · · ·
Valuation (TTM) 13
Annual Valuation (TTM) data for UPBD
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +48.7% $4.70B $4.32B $3.99B $4.25B $4.58B $2.81B $2.67B $2.66B $2.70B $2.96B $3.28B $3.16B
Net Income TTM 12-point trend, -24.0% $73M $123M $-5M $12M $135M $208M $174M $8M $7M $-105M $-954M $96M
Market Cap 9-point trend, +38.3% $2.27B $3.67B · $2.82B $5.98B $4.30B $3.21B · $1.22B $1.23B $1.64B ·
P/E 12-point trend, -30.0% 14.0 13.2 -377.4 107.4 23.8 10.3 9.3 101.2 92.5 -5.7 -0.8 20.1
P/S 9-point trend, -3.4% 0.5 0.8 · 0.7 1.3 1.5 1.2 · 0.5 0.4 0.5 ·
P/B 9-point trend, -6.5% 3.3 5.8 · 5.4 11.6 7.3 7.0 · 4.5 4.7 3.5 ·
P / Tangible Book 2-point trend, +425.6% · 43.9 · · · 8.4 · · · · · ·
P / Cash Flow 9-point trend, +4.3% 7.4 35.0 · 6.0 15.2 18.2 14.9 · 11.0 3.5 7.1 ·
P / FCF 9-point trend, -13.3% 9.5 75.7 · 6.9 18.1 21.3 16.5 · 27.0 4.2 11.0 ·
Dividend Yield 9-point trend, +24.8% 3.9% 2.2% · 2.8% 1.2% 1.5% 0.43% · 1.1% 2.1% 3.1% ·
Earnings Yield 12-point trend, +43.0% 7.1% 7.6% -0.26% 0.93% 4.2% 9.7% 10.8% 0.99% 1.1% -17.6% -120.0% 5.0%
Payout Ratio 9-point trend, +2136.8% 120.0% 66.6% · 640.8% 53.0% 30.3% 7.9% · 192.4% -24.3% -5.9% ·
Annual Payout 12-point trend, +80.6% $88M $82M $83M $79M $72M $63M $14M $0 $13M $26M $51M $49M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $4.70B$4.32B$3.99B$4.25B$4.58B
Gross Margin % 48.4%48.1%49.0%48.8%
Operating Margin % 4.8%6.8%3.5%6.1%
Net Income $73M$123M$-5M$12M$135M
Diluted EPS $1.25$2.21$-0.09$0.21$2.02
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $239M$48M$407M$330M

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Institutional owners (13F) 285 filers · $787.3M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
47 (+8 vs prior Q) 17 (-18 vs prior Q) 97 (+8 vs prior Q) 68 (+4 vs prior Q) +4.9M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
VANGUARD PORTFOLIO MANAGEMENT LLC $89,852,398 4,234,326 11.41% Shares
FMR LLC $69,439,309 3,272,352 8.82% Shares
DIMENSIONAL FUND ADVISORS LP $54,955,811 2,589,812 6.98% Shares
STATE STREET CORP $53,317,690 2,468,483 6.77% Shares
VANGUARD CAPITAL MANAGEMENT LLC $49,390,356 2,327,538 6.27% Shares
GEODE CAPITAL MANAGEMENT, LLC $26,909,964 1,267,878 3.42% Shares
Bragg Financial Advisors, Inc $25,235,143 1,189,215 3.21% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $24,516,442 1,155,346 3.11% Shares
Huber Capital Management LLC $22,532,861 1,061,869 2.86% Shares
AMERICAN CENTURY COMPANIES INC $18,104,458 853,179 2.30% Shares
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC $17,651,008 831,810 2.24% Shares
GOLDMAN SACHS GROUP INC $16,688,448 786,449 2.12% Shares
Bank of New York Mellon Corp $15,691,087 739,448 1.99% Shares
MILLENNIUM MANAGEMENT LLC $15,052,556 709,357 1.91% Shares
KENNEDY CAPITAL MANAGEMENT LLC $13,835,355 651,996 1.76% Shares
WELLINGTON MANAGEMENT GROUP LLP $12,327,992 580,961 1.57% Shares
CITADEL ADVISORS LLC $9,274,371 437,058 1.18% Shares
VICTORY CAPITAL MANAGEMENT INC $8,368,659 394,376 1.06% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $7,527,668 354,744 0.96% Shares
VANGUARD FIDUCIARY TRUST CO $7,402,045 348,824 0.94% Shares
PANAGORA ASSET MANAGEMENT INC $6,813,721 321,099 0.87% Shares
PRINCIPAL FINANCIAL GROUP INC $6,510,954 306,831 0.83% Shares
Qube Research & Technologies Ltd $6,082,098 286,621 0.77% Shares
VANGUARD GROUP INC $5,926,395 337,494 0.75% Shares
BANK OF AMERICA CORP /DE/ $5,863,892 276,338 0.74% Shares
MORGAN STANLEY $5,775,392 272,167 0.73% Shares
Universal- Beteiligungs- und Servicegesellschaft mbH $5,577,273 262,831 0.71% Shares
Miller Value Partners, LLC $5,474,760 258,000 0.70% Shares
PEREGRINE CAPITAL MANAGEMENT LLC $5,335,705 251,447 0.68% Shares
Empowered Funds, LLC $5,023,708 236,744 0.64% Shares
Balyasny Asset Management L.P. $4,985,024 234,921 0.63% Shares
FIRST TRUST ADVISORS LP $4,695,243 221,265 0.60% Shares
BlackRock, Inc. $4,266,727 201,071 0.54% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $3,868,661 182,312 0.49% Shares
Connor, Clark & Lunn Investment Management Ltd. $3,868,173 182,289 0.49% Shares
XTX Topco Ltd $3,826,369 180,319 0.49% Shares
Public Sector Pension Investment Board $3,825,626 180,284 0.49% Shares
Allianz Asset Management GmbH $3,609,713 170,109 0.46% Shares
AMERIPRISE FINANCIAL INC $3,355,653 158,024 0.43% Shares
Trexquant Investment LP $3,342,277 157,506 0.42% Shares
Inspire Advisors, LLC $3,268,329 154,942 0.42% Shares
Sepio Capital, LP $3,068,603 144,609 0.39% Shares
Quantinno Capital Management LP $3,002,007 141,470 0.38% Shares
RHUMBLINE ADVISERS $2,904,427 136,873 0.37% Shares
Susquehanna Portfolio Strategies, LLC $2,899,840 136,656 0.37% Shares
Vanguard Global Advisers, LLC $2,870,005 135,250 0.36% Shares
INTECH INVESTMENT MANAGEMENT LLC $2,790,791 131,517 0.35% Shares
PICTON MAHONEY ASSET MANAGEMENT $2,789,094 131,437 0.35% Shares
Jump Financial, LLC $2,697,062 127,100 0.34% Shares
Lido Advisors, LLC $2,651,080 124,926 0.34% Shares
TWO SIGMA INVESTMENTS, LP $2,446,242 115,280 0.31% Shares
CLARK ESTATES INC/NY $2,397,860 113,000 0.30% Shares
ALGERT GLOBAL LLC $2,325,033 109,568 0.30% Shares
RAYMOND JAMES FINANCIAL INC $2,263,791 106,682 0.29% Shares
Cubist Systematic Strategies, LLC $2,250,379 95,234 0.29% Shares
Swiss National Bank $2,228,100 105,000 0.28% Shares
D. E. Shaw & Co., Inc. $2,086,011 98,304 0.26% Shares
JANE STREET GROUP, LLC $2,060,462 97,100 0.26% Call option
BNP PARIBAS ASSET MANAGEMENT Holding S.A. $2,006,287 94,547 0.25% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $1,952,240 92,000 0.25% Call option
Venture Visionary Partners LLC $1,938,808 91,367 0.25% Shares
Point72 Asset Management, L.P. $1,918,352 90,403 0.24% Shares
SEGALL BRYANT & HAMILL, LLC $1,821,949 85,860 0.23% Shares
CITADEL ADVISORS LLC $1,807,944 85,200 0.23% Call option
RENAISSANCE TECHNOLOGIES LLC $1,765,504 83,200 0.22% Shares
Range Financial Group LLC $1,759,287 82,907 0.22% Shares
Corient Private Wealth LP $1,756,083 82,756 0.22% Shares
Legal & General Group Plc $1,711,902 80,674 0.22% Shares
BEACON FINANCIAL GROUP $1,615,017 76,108 0.21% Shares
LANDSCAPE CAPITAL MANAGEMENT, L.L.C. $1,585,877 74,735 0.20% Shares
ExodusPoint Capital Management, LP $1,570,917 74,030 0.20% Shares
LPL Financial LLC $1,546,509 72,880 0.20% Shares
Cerity Partners LLC $1,437,872 67,761 0.18% Shares
ROYAL BANK OF CANADA $1,339,000 63,119 0.17% Shares
Mork Capital Management, LLC $1,328,584 62,610 0.17% Shares
OSAIC HOLDINGS, INC. $1,322,475 62,324 0.17% Shares
ALLIANCEBERNSTEIN L.P. $1,291,080 71,528 0.16% Shares
Engineers Gate Manager LP $1,247,948 58,810 0.16% Shares
IEQ CAPITAL, LLC $1,243,810 58,615 0.16% Shares
Kendall Capital Management $1,233,519 58,130 0.16% Shares
State of Tennessee, Department of Treasury $1,211,068 57,072 0.15% Shares
PRUDENTIAL FINANCIAL INC $1,177,116 55,472 0.15% Shares
EntryPoint Capital, LLC $1,162,707 54,793 0.15% Shares
Invesco Ltd. $1,117,403 52,658 0.14% Shares
BARCLAYS PLC $1,114,836 52,537 0.14% Shares
New Century Financial Group, LLC $1,109,452 46,951 0.14% Shares
Russell Investments Group, Ltd. $1,066,984 50,282 0.14% Shares
CAPITAL FUND MANAGEMENT S.A. $1,027,684 48,430 0.13% Shares
WELLS FARGO & COMPANY/MN $1,021,998 48,162 0.13% Shares
KESTRA PRIVATE WEALTH SERVICES, LLC $1,014,910 47,828 0.13% Shares
Nebula Research & Development LLC $1,003,799 39,992 0.13% Shares
Squarepoint Ops LLC $988,597 46,588 0.13% Shares
VANGUARD ASSET MANAGEMENT, Ltd $896,991 42,271 0.11% Shares
Horizon Investments, LLC $888,312 41,862 0.11% Shares
Mitsubishi UFJ Trust & Banking Corp $881,267 41,530 0.11% Shares
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $868,025 48,090 0.11% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $850,922 40,100 0.11% Put option
VIRGINIA RETIREMENT SYSTEMS ET Al $818,296 46,600 0.10% Shares
Y-Intercept (Hong Kong) Ltd $805,193 37,945 0.10% Shares
HSBC HOLDINGS PLC $795,249 37,815 0.10% Shares

Company insiders 55 insiders · 20 officers · 20 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Mitchell E Fadel Chief Executive Officer Feb. 26, 2025 F 829,689 0 0 $0
Robert Dale Davis Chief Executive Officer Aug. 1, 2016 P 131,850 0 0 $0
Robert F Bloom Pres/CEO ColorTyme, Inc. Jan. 31, 2007 A 750 0 0 $0
Steven M Arendt CEO of ColorTyme, Inc. Feb. 25, 2004 M 0 0 0 $0
Fahmi Karam EVP, Chief Financial Officer March 10, 2025 P 164,672 0 0 $0
Maureen B Short CFO April 1, 2022 F 109,460 0 0 $0
Guy J Constant EVP - Finance, CFO & Treasurer Feb. 5, 2016 A 31,301 0 0 $0
Anthony J Blasquez EVP-RAC Aug. 21, 2025 S 32,511 0 1 $-82,705
Tyler Montrone EVP, Acima Feb. 26, 2025 F 55,123 0 0 $0
Ann L Davids EVP, Chief Marketing Officer Feb. 26, 2025 F 84,239 0 0 $0
Sudeep Gautam EVP, Chief Tech & Digital Off Feb. 24, 2024 F 7,941 0 0 $0
Jason Jude Hogg EVP-Acima Feb. 26, 2022 F 107,085 0 0 $0
Catherine M Skula EVP, Chief Development Officer May 26, 2021 M 76,421 0 0 $0
Charles J White EVP - Domestic RTO Operations Feb. 5, 2016 A 15,543 0 0 $0
Ricardo Cordon EVP - Mexico Feb. 6, 2015 A 5,677 0 0 $0
Ronald D Demoss EVP - Gen. Counsel Jan. 31, 2014 A 7,916 0 0 $0
Theodore V Demarino EVP - Operations May 22, 2013 M 13,956 0 0 $0
David E. West EVP - Operational Services Feb. 18, 2011 S 34,391 0 0 $0
William S Short Executive VP - Operations Jan. 30, 2009 A 6,729 0 0 $0
Anthony M Doll Executive VP - Operations Aug. 1, 2003 M 1,250 0 0 $0
Charu Jain Director July 7, 2026 A 0 0 $0
Carol A. Mcfate Director July 7, 2026 A 0 0 $0
Molly Langenstein Director July 7, 2026 A 0 0 $0
Glenn P Marino Director July 7, 2026 A 0 0 $0
Jeffrey J Brown Director July 7, 2026 A 96,681 6 0 $133,792
Jen You Director April 22, 2024 A 0 0 $0
Christopher B. Hetrick Director Jan. 9, 2024 A 28,725 0 0 $0
Brinson Caleb Silver Director Jan. 3, 2023 A 0 0 $0
Michael J Gade Director April 1, 2021 A 4,000 0 0 $0
Leonard H Roberts Director Jan. 2, 2017 A 1,500 0 0 $0
Jeffery M Jackson Director Jan. 2, 2017 A 6,055 0 0 $0
Paula Stern Director Jan. 4, 2016 A 0 0 $0
Kerney Laday Director Jan. 2, 2012 A 0 0 $0
Laurence Martin Berg Director Jan. 2, 2007 A 0 0 $0
Peter P Copses Director Jan. 2, 2007 A 0 0 0 $0
BURTON MARY ELIZABETH Director Jan. 2, 2007 A 0 0 $0
Richard K Armey Director Jan. 2, 2006 A 0 0 $0
Andrews S Jhawar Director Jan. 3, 2005 A 0 0 $0
APOLLO ADVISORS IV LP 10% owner Nov. 19, 2004 S 7,218,571 0 0 $0
APOLLO INVESTMENT FUND IV LP 10% owner Nov. 19, 2004 S 6,850,930 0 0 $0
Bryan J Pechersky Feb. 26, 2026 F 43,924 0 0 $0
Transient C Taylor Feb. 26, 2026 F 43,982 0 0 $0
Harold G Lewis Jan. 2, 2026 A 0 0 $0
J V Lentell April 1, 2019 A 15,000 0 0 $0
Christopher A Korst April 1, 2019 A 59,190 0 0 $0
Fred E. Herman Feb. 5, 2019 F 35,225 0 0 $0
Christopher P. Crocker April 2, 2018 A 12,301 0 0 $0
James E. York Feb. 23, 2018 A 20,100 0 0 $0
Rishi Garg Jan. 2, 2018 A 0 0 $0
Martin Evans Oct. 2, 2017 A 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

Activists & 5%+ owners 11 positions

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Engaged Capital Flagship Master Fund, LP, Engaged Capital Co-Invest V-B, LP, Engaged Capital Flagship Fund, LP, Engaged Capital Flagship Fund, Ltd., Engaged Capital, LLC, Engaged Capital Holdings, LLC, Glenn W. Welling, Christopher B. Hetrick ×19 filings Dec. 13, 2023 Initial filing SEC
Vintage Capital Management, LLC (2), Kahn Capital Management, LLC (2), Brian R. Kahn (2) ×6 filings March 20, 2019 Initial filing SEC
Rent-A-Center, Inc. Aug. 17, 2006 Initial filing M&A / sale SEC
Apollo Investment Fund IV, L.P., Apollo Overseas Partners IV, L.P., Apollo Advisors IV, L.P. ×5 filings May 31, 2005 Initial filing SEC
Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person Nov. 12, 2003 Initial filing SEC
Undisclosed reporting person, Undisclosed reporting person, Apollo Advisors IV, L.P. July 15, 2003 Initial filing SEC
Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person July 2, 2003 Initial filing M&A / sale SEC
Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person April 30, 2003 Initial filing M&A / sale SEC
Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person Aug. 6, 2002 Initial filing SEC
Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person June 3, 2002 Initial filing SEC
Undisclosed reporting person May 14, 2002 Initial filing SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

ETF ownership Held by 70 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
RETL · Direxion Shares ETF Trust 1.07% 17,017 NS April 30, 2026 N-PORT
RZV · Invesco Exchange-Traded Fund Trust 0.70% 107,618 SH Aug. 8, 2026 Daily
FYT · First Trust Exchange-Traded AlphaDE… 0.52% 48,432 NS April 30, 2026 N-PORT
PSCD · Invesco Exchange-Traded Fund Trust … 0.40% 4,888 SH Aug. 8, 2026 Daily
ROSC · Lattice Strategies Trust 0.34% 9,344 NS April 30, 2026 N-PORT
RWJ · Invesco Exchange-Traded Fund Trust … 0.32% 339,306 SH Aug. 8, 2026 Daily
FYX · First Trust Exchange-Traded AlphaDE… 0.25% 153,851 NS April 30, 2026 N-PORT
CALF · Pacer Funds Trust 0.24% 411,403 NS April 30, 2026 N-PORT
SMDX · Tidal Trust III 0.20% 13,002 NS April 30, 2026 N-PORT
VFVA · VANGUARD WELLINGTON FUND 0.19% 76,131 SH Aug. 8, 2026 Daily
GSSC · Goldman Sachs ETF Trust 0.15% 77,015 NS May 31, 2026 N-PORT
FFSM · FIDELITY COVINGTON TRUST 0.15% 94,957 NS April 30, 2026 N-PORT
VIOV · VANGUARD ADMIRAL FUNDS 0.12% 111,326 SH Aug. 8, 2026 Daily
FNDA · SCHWAB STRATEGIC TRUST 0.11% 522,279 NS May 31, 2026 N-PORT
IJS · iShares Trust 0.11% 469,324 SH Aug. 8, 2026 Daily
VFMF · VANGUARD WELLINGTON FUND 0.11% 37,490 SH Aug. 8, 2026 Daily
FAB · First Trust Exchange-Traded AlphaDE… 0.11% 7,486 NS April 30, 2026 N-PORT
AFSM · First Trust Exchange-Traded Fund VI… 0.10% 5,332 NS May 31, 2026 N-PORT
JPSE · J.P. Morgan Exchange-Traded Fund Tr… 0.09% 27,671 NS April 30, 2026 N-PORT
VTWV · VANGUARD SCOTTSDALE FUNDS 0.07% 48,112 SH Aug. 8, 2026 Daily
IWN · iShares Trust 0.07% 521,907 SH Aug. 8, 2026 Daily
DFSV · Dimensional ETF Trust 0.07% 260,171 NS April 30, 2026 N-PORT
QVMS · Invesco Exchange-Traded Fund Trust … 0.07% 8,839 SH Aug. 8, 2026 Daily
XJR · iShares Trust 0.06% 6,207 SH Aug. 8, 2026 Daily
VIOO · VANGUARD ADMIRAL FUNDS 0.06% 183,111 SH Aug. 8, 2026 Daily
VCR · VANGUARD WORLD FUND 0.06% 204,484 SH Aug. 8, 2026 Daily
IJR · iShares Trust 0.06% 3,201,077 SH Aug. 8, 2026 Daily
BBSC · J.P. Morgan Exchange-Traded Fund Tr… 0.05% 20,153 NS April 30, 2026 N-PORT
AVSC · AMERICAN CENTURY ETF TRUST 0.05% 77,916 NS May 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.05% 371,141 NS April 30, 2026 N-PORT
FDIS · FIDELITY COVINGTON TRUST 0.05% 43,992 NS April 30, 2026 N-PORT
SMLF · iShares Trust 0.05% 103,033 SH Aug. 8, 2026 Daily
SAA · ProShares Trust 0.04% 624 NS May 31, 2026 N-PORT
AVUV · AMERICAN CENTURY ETF TRUST 0.04% 585,678 NS May 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.04% 317,787 SH Aug. 8, 2026 Daily
IWM · iShares Trust 0.03% 1,401,656 SH Aug. 8, 2026 Daily
ISCV · iShares Trust 0.03% 11,595 SH Aug. 8, 2026 Daily
RSSL · Global X Funds 0.03% 22,782 NS April 30, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.03% 191,441 NS April 30, 2026 N-PORT
ITWO · ProShares Trust 0.03% 2,472 NS May 31, 2026 N-PORT
EBI · RBB Fund Trust 0.02% 7,865 NS May 31, 2026 N-PORT
SCHA · SCHWAB STRATEGIC TRUST 0.02% 249,031 NS May 31, 2026 N-PORT
VBR · VANGUARD INDEX FUNDS 0.02% 765,185 SH Aug. 8, 2026 Daily
TEXN · iShares Trust 0.02% 165 SH Aug. 8, 2026 Daily
ISCB · iShares Trust 0.02% 2,437 SH Aug. 8, 2026 Daily
UWM · ProShares Trust 0.01% 1,933 NS May 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.01% 2,813 NS April 30, 2026 N-PORT
URTY · ProShares Trust 0.01% 1,954 NS May 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.01% 606,123 SH Aug. 8, 2026 Daily
VB · VANGUARD INDEX FUNDS 0.01% 1,206,995 SH Aug. 8, 2026 Daily