Better Health for All

The company's core business involves lease-to-own durable goods, which do not have direct health impacts, health risks, or health-related pricing, making several KPIs not applicable.

For healthcare data responsibility, the company reported zero data breaches in 2022 and disclosed 13 law enforcement requests for user information, indicating a strong track record in data protection. Regarding global health crisis response, the company paused payments for customers during crises such as sickness, injury, or unemployment, but no specific data on pandemic response or crisis pricing policies was provided, nor any donations as a percentage of crisis-related revenue.

Fair Money & Economic Opportunity

Upbound Group's lease purchase agreements require aggregate payments ranging from 2.0 to 2.4 times the disclosed cash price to obtain ownership, which is higher than installment or credit plans.

Brigit, a subsidiary, generates revenue that includes expedited transfer fees, and approximately 8% of its revenue comes from these fees. Acima Leasing is subject to a pending investigation by the U.S. Consumer Financial Protection Bureau (CFPB) for potential violations of consumer protection laws, the Truth in Lending Act, Electronic Fund Transfer Act, and Fair Credit Reporting Act. Acima is also facing pending multi-state attorneys' general and New York Attorney General matters. In November 2023, the company finalized a settlement with the former Massachusetts Attorney General, agreeing to pay $8.75 million and implement specific account management and compliance requirements. Brigit offers financial literacy and budgeting tools, but there is no information on the reach or outcomes of these programs. Rent-A-Center focuses on streamlining the customer experience, and Acima has introduced an in-store tap-to-lease capability for virtual lease cards, allowing customers to shop with the app and checkout by tapping without retailer setup.

Fair Trade & Ethical Sourcing

No specific, quantitative data was provided in the articles for any of the Fair Trade & Ethical Sourcing KPIs, including fair trade certification share, audit frequency, forced/child labor incidents, traceability coverage, remediation speed, ethical clause coverage, materials risk index, or supplier diversity spend.

The 2022 Sustainability Report explicitly stated a lack of specific metrics for these areas.

Honest & Fair Business

The CFPB voluntarily dismissed its lawsuit against Acima (part of Upbound Group) in March 2025, and Acima will not pay any money, indicating zero ethics-related regulatory fines in the past three years.

The company has not had any financial restatements that required a recovery analysis of incentive-based compensation, with both checkboxes for error correction and restatements unchecked in a recent filing. Upbound Group maintains a policy of no retaliation against individuals reporting concerns and provides an external, anonymous hotline, along with internal reporting channels. The company's management assessed the effectiveness of its internal control over financial reporting as of December 31, 2023, using COSO criteria, and Ernst & Young LLP issued an audit report on its effectiveness. A Code of Business Conduct and Ethics, applicable to all coworkers and board members, forms the foundation of a compliance program covering anti-bribery laws like the U.S. Foreign Corrupt Practices Act. The company's management can certify annually that its internal control over financial reporting is effective, and Ernst & Young LLP has issued an audit report on its effectiveness.

Kind to Animals

Upbound Group, Inc. is a lease-to-own provider of durable goods such as furniture, appliances, electronics, and computers. Its core business model does not involve animal testing, animal agriculture, or the sourcing of animal-derived ingredients that would typically require specific animal welfare certifications or policies.

CrueltyFreeInvesting.org lists Upbound Group Inc. as a company that does not exploit animals. Therefore, all animal welfare-related KPIs are not applicable to its operations.

No War, No Weapons

The provided articles describe Upbound Group, Inc. as a lease-to-own provider of durable goods such as furniture, appliances, electronics, and computers.

The company's operations are focused on retail units in the United States, Mexico, and Puerto Rico. The articles, including a financial report (Form 10-K) and a sustainability report press release, explicitly state that no information was found or addressed regarding revenue from arms or defense contracts, dual-use technology, sales to embargoed regimes, peacebuilding investments, conflict divestment policies, board oversight of defense activities, export end-user certificates, lobbying on arms control, humanitarian procurement compliance, human rights due diligence in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use item screening, surveillance transparency, ethical red lines for weapons, exposure to controversial weapons, war-risk audit results, annual conflict partner reviews, defense divestment, conflict minerals, peace technology investment, or procurement from conflict-affected areas. Therefore, no KPIs can be scored based on the evidence provided.

Planet-Friendly Business

Upbound Group, Inc. reported total Scope 1 and 2 emissions of 99,186.5 tCO₂e in 2023, an increase from 91,338 tCO₂e in 2022.

The company does not report Scope 3 emissions. For its US and Puerto Rico stores, 100% of energy consumed in 2022 was grid electricity, with 0% sourced from renewable energy. The company has completed a first greenhouse gas emissions inventory focused on Scope 1 and Scope 2. It has also conducted an assessment of climate change risks to the business and provided sustainability training to all Board members on sustainability topics. The company states it is aligning with net-zero goals but has not declared a specific target year. No regulatory actions, violations, fines, or compliance issues were mentioned in the provided reports.

Safe & Smart Tech

Upbound Group, Inc. holds several recognized security and privacy certifications, including SOC2 Type 2, ISO 27017:2015, ISO 27018:2019, and ISO 27001:2022.

The company does not have a public bug bounty program or offer monetary rewards for vulnerability reports. While a subsidiary's privacy policy mentions compliance with CCPA and PIPEDA, there is no company-wide evidence of regulatory compliance.

Zero Waste & Sustainable Products

The provided articles, including Upbound Group, Inc.'s 2022 and 2023 Sustainability Reports, explicitly state a lack of specific quantitative data or detailed information relevant to the defined KPIs for Zero Waste & Sustainable Products.

While one article mentions that "product repair and reuse programs are in place," it does not provide the number of initiatives, their effectiveness, or any other quantifiable metrics required by the rubric. Consequently, no KPIs can be scored based on the evidence provided.