| Segment Information |
Segment information is as follows:
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Three Months Ended June 30, 2026 |
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(in thousands) |
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Acima |
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Rent-A-Center |
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Brigit |
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|
Mexico |
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Total |
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Revenues |
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$ |
603,529 |
|
|
$ |
466,378 |
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$ |
71,144 |
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$ |
22,375 |
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$ |
1,163,426 |
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Cost of revenues |
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|
405,380 |
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149,433 |
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|
7,087 |
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6,688 |
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568,588 |
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Gross profit |
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198,149 |
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|
316,945 |
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64,057 |
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15,687 |
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594,838 |
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Operating expenses |
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Operating labor |
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23,913 |
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121,413 |
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1,503 |
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5,469 |
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152,298 |
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Non-labor operating expenses(1) |
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75,665 |
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128,458 |
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48,836 |
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7,297 |
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260,256 |
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Depreciation and amortization |
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|
373 |
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4,592 |
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27 |
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|
673 |
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5,665 |
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Other segment expenses(2) |
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24,755 |
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7,824 |
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6,179 |
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2,520 |
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41,278 |
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Segment operating profit (loss) |
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73,443 |
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54,658 |
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7,512 |
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(272 |
) |
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135,341 |
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Corporate |
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(81,082 |
) |
Operating profit |
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54,259 |
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Interest expense |
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25,522 |
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Interest income |
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(521 |
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Earnings before income taxes |
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$ |
29,258 |
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(1) Includes Lease Charge-Offs of $53.1 million and $21.5 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $18.0 million in the Brigit segment for the three months ended June 30, 2026. (2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.
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Six Months Ended June 30, 2026 |
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(in thousands) |
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Acima |
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Rent-A-Center |
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Brigit |
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Mexico |
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Total |
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Revenues |
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$ |
1,252,219 |
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$ |
947,983 |
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$ |
138,814 |
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$ |
44,139 |
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$ |
2,383,155 |
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Cost of revenues |
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|
859,970 |
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|
313,839 |
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|
14,835 |
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|
13,211 |
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1,201,855 |
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Gross profit |
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|
392,249 |
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|
634,144 |
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|
123,979 |
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30,928 |
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1,181,300 |
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Operating expenses |
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Operating labor |
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47,344 |
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240,343 |
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2,763 |
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10,958 |
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|
301,408 |
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Non-labor operating expenses(1) |
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157,064 |
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256,289 |
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82,813 |
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|
14,352 |
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|
510,518 |
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Depreciation and amortization |
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|
776 |
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|
9,600 |
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54 |
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1,307 |
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|
11,737 |
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Other segment expenses(2) |
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36,356 |
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10,976 |
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12,275 |
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4,676 |
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|
64,283 |
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Segment operating profit (loss) |
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150,709 |
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116,936 |
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26,074 |
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(365 |
) |
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293,354 |
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Corporate |
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(161,657 |
) |
Operating profit |
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131,697 |
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Interest expense |
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|
52,403 |
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Interest income |
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(1,235 |
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Earnings before income taxes |
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$ |
80,529 |
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(1) Includes Lease Charge-Offs of $110.4 million and $42.5 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $31.9 million in the Brigit segment for the six months ended June 30, 2026. (2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.
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Three Months Ended June 30, 2025 |
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(in thousands) |
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Acima |
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Rent-A-Center |
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Brigit |
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Mexico |
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Total |
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Revenues |
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$ |
618,967 |
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$ |
467,118 |
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$ |
51,890 |
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$ |
19,561 |
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$ |
1,157,536 |
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Cost of revenues |
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|
423,978 |
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|
150,160 |
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|
5,986 |
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5,587 |
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|
585,711 |
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Gross profit |
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194,989 |
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|
316,958 |
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45,904 |
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13,974 |
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|
571,825 |
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Operating expenses |
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Operating labor |
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24,403 |
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119,127 |
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1,065 |
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4,497 |
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|
149,092 |
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Non-labor operating expenses(1) |
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|
76,741 |
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119,532 |
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|
28,300 |
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|
5,571 |
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|
230,144 |
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Depreciation and amortization |
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|
353 |
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|
5,238 |
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18 |
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|
484 |
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|
6,093 |
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Other segment expenses(2) |
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|
11,489 |
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10,060 |
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6,049 |
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|
1,486 |
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|
29,084 |
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Segment operating profit |
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|
82,003 |
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|
63,001 |
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|
10,472 |
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|
1,936 |
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|
157,412 |
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Corporate |
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(106,678 |
) |
Operating profit |
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|
50,734 |
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Interest expense |
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|
28,523 |
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Interest income |
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|
(638 |
) |
Earnings before income taxes |
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$ |
22,849 |
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(1) Includes Lease Charge-Offs of $57.6 million and $20.0 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $10.4 million in the Brigit segment for the three months ended June 30, 2025. (2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.
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Six Months Ended June 30, 2025 |
|
(in thousands) |
|
Acima |
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Rent-A-Center |
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Brigit |
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|
Mexico |
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Total |
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Revenues |
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$ |
1,256,254 |
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$ |
956,143 |
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$ |
83,751 |
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$ |
37,751 |
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$ |
2,333,899 |
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Cost of revenues |
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|
874,814 |
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|
316,359 |
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|
9,992 |
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|
10,780 |
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1,211,945 |
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Gross profit |
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|
381,440 |
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|
639,784 |
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|
73,759 |
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|
26,971 |
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1,121,954 |
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Operating expenses |
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Operating labor |
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|
48,393 |
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|
239,325 |
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|
1,781 |
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|
8,760 |
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|
298,259 |
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Non-labor operating expenses(1) |
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|
153,643 |
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|
241,911 |
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|
42,747 |
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|
10,854 |
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|
449,155 |
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Depreciation and amortization |
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|
707 |
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|
|
10,665 |
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|
29 |
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|
921 |
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|
12,322 |
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Other segment expenses(2) |
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|
22,986 |
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18,467 |
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|
9,901 |
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|
3,277 |
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|
54,631 |
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Segment operating profit |
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|
155,711 |
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|
129,416 |
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|
19,301 |
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|
3,159 |
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|
307,587 |
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Corporate |
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|
(194,238 |
) |
Operating profit |
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|
|
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|
113,349 |
|
Interest expense |
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|
56,321 |
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Interest income |
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|
(1,332 |
) |
Earnings before income taxes |
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|
$ |
58,360 |
|
(1) Includes Lease Charge-Offs of $114.3 million and $40.4 million in the Acima and Rent-A-Center segments, respectively, and net advance losses of $15.4 million in the Brigit segment for the six months ended June 30, 2025. (2) Includes certain general and administrative expenses and other gains and charges. See Note 8 for additional information regarding other gains and charges.
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Three Months Ended June 30, |
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Six Months Ended June 30, |
|
(in thousands) |
|
2026 |
|
|
2025 |
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|
2026 |
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|
2025 |
|
Capital expenditures |
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Acima |
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$ |
474 |
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$ |
118 |
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$ |
474 |
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$ |
430 |
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Rent-A-Center |
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|
5,655 |
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|
5,626 |
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|
7,083 |
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|
8,117 |
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Brigit |
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|
46 |
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|
259 |
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|
87 |
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|
305 |
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Mexico |
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|
888 |
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|
1,135 |
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|
2,048 |
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|
1,779 |
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Total operating segments |
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|
7,063 |
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|
7,138 |
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|
9,692 |
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|
10,631 |
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Corporate |
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|
8,435 |
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|
11,109 |
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|
21,770 |
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|
18,192 |
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Total capital expenditures |
|
$ |
15,498 |
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$ |
18,247 |
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$ |
31,462 |
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$ |
28,823 |
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(in thousands) |
|
June 30, 2026 |
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|
December 31, 2025 |
|
On rent rental merchandise, net |
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Acima |
|
$ |
616,540 |
|
|
$ |
710,844 |
|
Rent-A-Center |
|
|
441,232 |
|
|
|
465,076 |
|
Mexico |
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|
27,936 |
|
|
|
26,362 |
|
Total on rent rental merchandise, net |
|
$ |
1,085,708 |
|
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$ |
1,202,282 |
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(in thousands) |
|
June 30, 2026 |
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|
December 31, 2025 |
|
Held for rent rental merchandise, net |
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|
Acima |
|
$ |
167 |
|
|
$ |
164 |
|
Rent-A-Center |
|
|
105,371 |
|
|
|
100,893 |
|
Mexico |
|
|
11,684 |
|
|
|
13,468 |
|
Total held for rent rental merchandise, net |
|
$ |
117,222 |
|
|
$ |
114,525 |
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|
(in thousands) |
|
June 30, 2026 |
|
|
December 31, 2025 |
|
Assets by segment |
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|
Acima |
|
$ |
1,159,452 |
|
|
$ |
1,280,771 |
|
Rent-A-Center |
|
|
967,037 |
|
|
|
1,016,293 |
|
Brigit |
|
|
437,765 |
|
|
|
430,232 |
|
Mexico |
|
|
60,442 |
|
|
|
62,602 |
|
Total operating segments |
|
|
2,624,696 |
|
|
|
2,789,898 |
|
Corporate |
|
|
479,063 |
|
|
|
486,183 |
|
Total assets |
|
$ |
3,103,759 |
|
|
$ |
3,276,081 |
|
|