UPBD — what changed in the latest 10-Q
A section-by-section comparison of UPBD's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-10-30 vs the prior 10-Q · 2026-07-31
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +40 | −41 | ~36 | 66 |
| Market risk (Item 3) | Text added/removed | +2 | −1 | 0 | 2 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | Text added/removed | 0 | 0 | ~1 | 0 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | +1 | −1 | 0 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-10-30
Dividend. On September 24, 2026, we announced that our board of directors approved a quarterly cash dividend of $0.39 per share. The dividend was paid on October 27, 2026 to our common stockholders of record as of the close of business on October 6, 2026.
Rent-A-Center e-commerce revenue. In recent years, e-commerce revenues have increased over time as a percentage of total rentals and fees revenue in our Rent-A-Center segment. For the nine months ended September 30, 2026 and 2025, e-commerce revenues represented
approximately 28% and 27% of total lease-to-own revenues, respectively. Due to recent trends in consumer shopping behaviors and expectations, we believe e-commerce solutions are an important part of our lease-to-own offering. However, we are unable to quantify the extent to which e-commerce revenues…
The following discussion focuses on our results of operations and our liquidity and capital resources. You should read this discussion in conjunction with the condensed consolidated financial statements and notes thereto for the nine months ended September 30, 2026 included in Part I, Item 1 of this…
Acima segment revenues decreased approximately $44.6 million for the nine months ended September 30, 2026, primarily due to lower rentals and fees revenues and merchandise sales revenues of $23.6 million and $20.7 million, respectively, primarily due to a decrease in GMV. Operating profit increased …
Text removed vs the prior filing · source: 10-Q · 2026-07-31
Acima Fraudulent Lease-to-Own Contract Losses. As previously disclosed in our Form 8-K filed on July 22, 2026, the Company recently experienced cybersecurity incidents in which certain non-sensitive customer information and other documents were obtained without authorization. In connection with cert…
Upon identifying the data compromise, we promptly began implementing mitigation and remediation measures. These measures, implemented in coordination with external cybersecurity experts, include enhanced authentication controls, additional fraud detection and monitoring capabilities, and other secur…
Our investigation of these incidents remains ongoing and may result in additional remediation and other expenses and fraudulent lease-to-own contract losses in subsequent periods. We may make any legal or regulatory notifications as appropriate based on its investigation findings. Based on our curre…
Dividend. On June 2, 2026, we announced that our board of directors approved a quarterly cash dividend of $0.39 per share. The dividend was paid on July 7, 2026 to our common stockholders of record as of the close of business on June 16, 2026.
Rent-A-Center e-commerce revenue. In recent years, e-commerce revenues have increased over time as a percentage of total rentals and fees revenue in our Rent-A-Center segment. For the six months ended June 30, 2026 and 2025, e-commerce revenues represented approximately 28% and 27% of total lease-to…
Market risk (Item 3)
Text added vs the prior filing · source: 10-Q · 2026-10-30
As of September 30, 2026, we had $450 million in Notes outstanding at a fixed interest rate of 6.375%. We also had $866.3 million outstanding under the Term Loan Facility and $45.0 million outstanding under our ABL Credit Facility, each at interest rates indexed to the Term SOFR rate or the prime ra…
such indebtedness. Based on our overall interest rate exposure at September 30, 2026, a hypothetical 1.0% increase or decrease in market interest rates would have the effect of causing an additional $9.1 million annualized pre-tax charge or credit to our Condensed Consolidated Statements of Operatio…
Text removed vs the prior filing · source: 10-Q · 2026-07-31
As of June 30, 2026, we had $450 million in Notes outstanding at a fixed interest rate of 6.375%. We also had $868.4 million outstanding under the Term Loan Facility and $120.0 million outstanding under our ABL Credit Facility, each at interest rates indexed to the Term SOFR rate or the prime rate. …
Other information
Text added vs the prior filing · source: 10-Q · 2026-10-30
During the three months ended September 30, 2026, none of our directors or officers (as defined in Rule 16a-1(f) under the Securities Exchange Act of 1934, as amended) adopted or terminated a "Rule 10b5-1 trading arrangement" or a "non-Rule 10b5-1 trading arrangement," as each term is defined in Ite…
Text removed vs the prior filing · source: 10-Q · 2026-07-31
Certain of our officers have made, or may make, elections to participate in, or are participating in, the Company’s stock investment option and dividend reinvestment available through the Company’s 401(k) plan. In addition, certain of our officers and directors may from time to time make elections t…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice