| Metric | Details |
|---|---|
| Entity / Legal Name | Rent-A-Center, Inc. |
| Ticker | NASDAQ: RCII |
| S&P / Moody‑s Rating | BB- / Ba2 |
| Rating Outlook | Stable |
| Investment Grade Status | Non‑Investment Grade — Speculative |
| Sector | Specialty Retail / Rent-to-Own |
| US Location Count | ~1,800+ stores (Rent-A-Center + Acima) |
| Cap Rate Range | 7.00% – 8.50% |
| Typical Store Size | 3,000 – 6,000 SF |
| Typical Price Range | $800,000 – $3,500,000 |
Rent-A-Center Business Overview & NNN Investment Profile
Rent-A-Center is the largest rent-to-own retailer in the United States, operating approximately 1,800 locations under the Rent-A-Center brand and its Acima virtual rent-to-own platform. The company provides furniture, appliances, electronics, and computers on a lease-to-own basis to customers who may not qualify for traditional retail credit. The rent-to-own model generates recurring weekly or monthly payments and is generally counter-cyclical, performing relatively well during economic downturns when traditional credit tightens.
For NNN investors, Rent-A-Center properties offer small-format retail (3,000 to 6,000 SF) at accessible price points ($800K to $3.5M). The BB-/Ba2 split rating (Moody‑s rates it stronger at Ba2) reflects the company’s counter-cyclical business model and consistent cash flow generation. The stores are typically in suburban strip centers serving moderate-income communities, creating decent re-tenanting potential for other small retail tenants.
No. Rent-A-Center carries BB-/Ba2 ratings, though Moody‑s Ba2 is closer to investment grade than S&P’s BB- assessment.
7.00% to 8.50% as of Q1 2026.
The rent-to-own model is considered counter-cyclical because demand increases when traditional consumer credit tightens during recessions, making Rent-A-Center a more defensive NNN tenant than many retail peers.
The Only Rent-A-Center NNN Advisor Whose Fee Comes From the Deal, Not From You
In NNN buyer representation, the listing broker typically pays a cooperating commission to the buyer’s broker. On the majority of transactions, this means there is no separate fee to you as the buyer. Where a cooperating commission is not available, our compensation is agreed upon with you in advance so there are never surprises.
Find It — Rent-A-Center NNN properties sourced with location quality and counter-cyclical business analysis before you commit.
Fund It — Small-format NNN at accessible price points. We have 150+ lender relationships.
Exit It — Selling a Rent-A-Center property? Get Your Free Consultation →
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Related NNN Tenants
Own a Rent-A-Center Property? Capital Markets Strategies Beyond Selling
Maturing debt and considering refinancing? Our capital markets team maintains 150+ lender relationships underwriting NNN properties across investment-grade and non-investment-grade credit tiers. We structure rate-and-term refinancing, cash-out refis, and bridge-to-perm takeouts.
Evaluating a 1031 exchange or disposition? We represent both sides of Rent-A-Center NNN transactions — whether you are looking to exit at peak value, exchange into a higher-quality credit tenant, or reposition within the same sector.
Need a current valuation? We maintain live comps on Rent-A-Center NNN transactions and can produce a Broker Opinion of Value within 48 hours reflecting today’s cap rate market.
