Upbound Group, Inc.

UPBD: Is Upbound Group, Inc. Halal?

Upbound Group, Inc.

NASDAQTechnologyUS

$21.22

+1.73%

Market Cap: 1.2B

Compliance Status

Not Halal

Screened on Jul 15, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is Upbound Group, Inc. (UPBD) halal? Not Halal. Based on AAOIFI screening, Upbound Group, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

151.1% of 30.0% limit

What this means for you

Most scholars advise not holding UPBD

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Upbound Group, Inc.

Upbound Group, Inc., which rebranded from Rent-A-Center, Inc. in February 2023, operates as a diversified retail and financial technology platform. Its core business involves providing household durable goods to consumers in the United States, Puerto Rico, and Mexico through a lease-to-own model. The company's operations are divided into four main segments: Rent-A-Center Business, Acima, Mexico, and Franchising. Utilizing key brands such as Rent-A-Center and Acima, Upbound Group facilitates transactions for customers across both its physical store locations and various digital channels. Their extensive product catalog available for lease includes a wide range of items such as furniture (including mattresses), vehicle tires, consumer electronics, major home appliances, various tools, fashion accessories like handbags, and technology items including computers, smartphones, and related accessories. In addition to its lease-to-own offerings, the company also sells merchandise via installment payment plans. A crucial service it provides is enabling lease-to-own agreements for individuals who might not qualify for traditional financing from other retailers, often through dedicated kiosks located within those retail partners' establishments. Upbound Group manages retail installment sales outlets under the "Get It Now" and "Home Choice" names. Its lease-to-own and franchised lease-to-own stores operate under banners such as Rent-A-Center, ColorTyme, and RimTyme. The company also maintains its own stores and an e-commerce platform accessible via rentacenter.com. Founded in 1960, Upbound Group, Inc. has its corporate headquarters situated in Plano, Texas.

Sector: Technology · Industry: Software - Application

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 15, 2026

Compliance History

  1. Not Halalnow

    since Jun 2026

  2. Halal

    until the change above

Tracked since Jun 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Technology

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

Ubiquiti Inc.
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00
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UCrest Bhd

$0.07

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0008.KLA+

Willowglen MSC Bhd

$0.29

+0.00%

00
0010.KLA+

IRIS Corporation Bhd

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-0.04%

00
0023.KLA+

IFCA MSC Bhd

$0.21

+0.00%

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Adobe Inc.

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Frequently Asked Questions

Is Upbound Group, Inc. (UPBD) halal to invest in?
Upbound Group, Inc. (UPBD) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did Upbound Group, Inc. get a F compliance rating?
Upbound Group, Inc. (UPBD) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 151.1% (limit 30%); interest-bearing deposits of 9.8% (limit 30%); prohibited income of 0.07% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Upbound Group, Inc.'s Shariah verdict?
Upbound Group, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is Upbound Group, Inc. re-screened for Shariah compliance?
Upbound Group, Inc. (UPBD) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 15, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.