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YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , all of which would be due within the next two years. However, due to franchisee borrowing limits, we believe any losses associated with defaults would be substantially mitigated through recovery of...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. suitable inventory to meet customer demand. The majority of the items Woodhaven produces continue to be leased or sold through our Aaron's and BrandsMart stores, including franchised stores. However...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. locations and material sources that support our business continuity planning. Woodhaven produces upholstered living-room furniture (including contemporary sofas, chairs and modular sofa and ottoman...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. upholstered furniture, as well as other parts, for use in reconditioning leased furniture that has been returned, so that our stores can continue to offer that furniture to our customers at a relati...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , monitoring, and improvement initiatives, to ensure compliance with federal and state laws and regulations and our internal policies. One of the factors in the success of our operations is timely ma...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. periodic payment term by returning the product covered by the agreement, and each contractually due payment is considered a renewal of the agreement. Approximately 89% and 87% of the payments that w...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. 4.2% in 2022, 2021 and 2020, respectively. 12 Customer Success We believe our strong focus on customer satisfaction generates repeat business and long-lasting relationships with our customers and ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our customers as well as a compliant, consistent, and helpful customer service experience. Further details can be found within the "Human Capital Management" section below. At the Aaron's Business ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. 2022, approximately 64% of the new lease agreements we entered into were with repeat customers. Customers who begin agreements on-line also have the support and service of a local store throughout th...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. active customer lease agreements if the customer becomes unemployed or ill; replacement of the product if the product is stolen or damaged by an act of God; waiver of remaining lease payments on lea...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. can be purchased at the point of sale that provides extended warranty coverage on eligible product purchases. If a product under warranty needs repair, BrandsMart's service team will repair the prod...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. operations, which provide BrandsMart with approximately 900,000 square feet of logistics capacity outside of the BrandsMart U.S.A. stores. We believe that our network of fulfillment centers provide...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. logistics for returned products and the servicing of products. Human Capital Management We believe in being an inclusive workplace for all of our team members and are committed to having a diverse...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. the majority of which were full-time team members. Approximately 7,262 of our team members were Aaron's store, fulfillment center, service center or divisional/regional staff; 1,427 of our team memb...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. retaining a diverse workforce, including a diverse group of management-level team members. The information in the tables below summarizes our gender, ethnicity and race diversity, and age metrics as...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. 19.6 34.0 28.1 0.3 0.9 0.8 2.1 14.2 Management 14.5 46.0 17.2 0.3 1.1 0.6 1.3 19.0 Year Ended December 31, 2022 Baby Boomer1 Gen-X2 Millennial3 Post Millennial/Gen-Z4 Total Work...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. 5 – 1980 (i.e., Gen X) Born between 1981 – 1996 (i.e., Millennial) Born in 1997 or later (i.e., Post Millennial/Gen Z) As noted in our Code of Conduct, we maintain an inclusive work environment wh...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. belief that we are stronger together. We believe our best future is one we build together. We embrace diverse backgrounds, experiences, and perspectives. We are passionate about creating a community...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. ostering a supportive environment that builds trust and makes team members feel comfortable; Actively listening to the voice of team members to champion the best ideas; and 14 Enhancing communicat...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. created Diversity and Inclusion role focused on advancing the Company's Diversity and Inclusion vision and strategic priorities; Providing our full-time Aaron’s Business team members with a floatin...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. plan; Providing access to unconscious bias training for all people leaders across the Aaron's Business through an e-learning platform; Providing executive sponsorship, monetary, and other support ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and ideas that create a path for personal and professional development of Black team members while strengthening our connection with our customers and community; Aaron's Pride Alliance (PRIDE), who...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. ’s for the purpose of providing support and education, engaging the communities we serve, and fostering personal and professional development through mentorships and access to resources; and Aaron's...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. but not limited to, Black History Month, Women's History Month, National Hispanic Heritage Month, Pride Month, Día de los Muertos, Juneteenth, International Day of Tolerance, International Women's D...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. 's Business field leadership team members and their potential to become future Company leaders. Development and Career Opportunities We believe in attracting top talent with a competitive wage and ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and reviewed internally, leading to targeted library content that focuses on topics and content areas determined to be of greatest relevance and importance to the organization; Delivering an in-hou...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and information security; Gathering engagement feedback from our team members on a regular basis and responding to that feedback in a variety of ways including personal, one-on-one interactions, te...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. ing a comprehensive suite of wellbeing offerings, including unlimited health coaching sessions, unlimited financial coaching sessions with a certified financial planner, and emotional support through...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. stay with the Company and positioned to grow their skills and knowledge on the job. To reduce team member turnover, we engage in surveys with team members, conduct stay interviews to help identify a...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. to applicable laws and regulations. We are committed to compliance with all applicable federal, state, provincial and local laws and regulations and conduct ongoing monitoring for new laws or regul...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. management, and testing and monitoring programs. This program is overseen by the Audit Committee as well as our management-level Compliance Committee. Health and Safety of Team Members and Customer...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. service centers and manufacturing operations; Three lines of defense for safety auditing and checklist at Company operated retail stores; Driver qualification program; Continued investment in equ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. procedures. Labor Practices and Human Rights All of our team members earn more than the federal minimum wage. The average hourly wage of a full-time hourly operations employee in our Company-opera...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and divisional support staff team members are eligible to earn an incentive payment which allows us to meaningfully reward our high performing team members. In addition to team member surveys and t...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and the 2022 annualized involuntary turnover rate in all corporate stores, fulfillment centers and warehouse operations was 33%. 17 Aaron's Company, Inc. respects the rights of workers who offer s...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , and other labor rights. Aaron's suppliers must comply with the Supplier Code of Conduct, conduct their business with a high level of integrity, and maintain accurate records to demonstrate that co...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. time). One of Aaron's largest suppliers is our own Woodhaven Furniture Industries manufacturing division, which supplies a significant portion of the upholstered furniture we lease or sell in Aaron...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. with dignity by providing a work environment that is free from conduct that can be considered harassing, discriminatory, intimidating and/or disruptive, including sexual harassment. Aaron's Company,...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. resources, including diversity, non-discrimination and anti-harassment training as part of the Company’s mandatory compliance training, for all eligible Aaron's Business team members, including team...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. the service levels demanded by our customers and to ensure timely delivery of our products. Consistent and dependable sources of liquidity are required to maintain such merchandise levels. We believ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. operations due to the COVID-19 pandemic-related shortages and current macroeconomic 18 conditions impacting the pricing and availability of raw materials, there can be no assurances that disruptio...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. income tax refunds. In addition, lease portfolio size typically increases gradually in the fourth quarter as a result of the holiday season. We expect these trends to continue in future periods. Du...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. traditional and e-commerce retailers (including many that offer layaway programs, point of sale financing, and title or installment lending), traditional and on-line sellers of used merchandise, and...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. purchasing furniture, appliances, electronics, computers and a variety of other products and accessories. In a standard LTO transaction, the customer has the option to acquire ownership of merchandi...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and other benefits. An LTO agreement provides flexibility, affordable payments, and no long-term commitment, and is available to all customers who are approved, including those who are credit chall...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. business in times of macro-economic disruption and reduce reliance on current period sales and customer traffic for cash flows as compared to other retailing models. During the year ended December 3...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. well as employment-related factors which may impact customers’ ability to otherwise purchase products from traditional retailers using cash or traditional financing sources. We have Aaron's stores s...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and credit spectrum. Government Regulation Our LTO operations are extensively regulated by and subject to the requirements of various federal, state, provincial, and local laws and regulations, an...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. of operations or financial condition. At the present time, no federal law specifically regulates the LTO transaction. Federal legislation to regulate the transaction has been proposed from time to ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. level are under consideration, as the attention placed on financial services products and consumer debt transactions, including consumer debt collection practices, has grown significantly. For insta...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. on the subprime financial and credit-restricted marketplace within which much of our LTO customer base obtains products and services. Any of these agencies may propose and adopt new regulations, or ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. stores. Most LTO laws require LTO companies to disclose to their customers the total number of payments, the amount and timing of each 20 payment, the total amount of all payments to acquire owner...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. matter of good business ethics and customer service. We believe we are in material compliance with the various state LTO laws. Available Information We make available free of charge on our Interne...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. we believe are material. There may be additional risks that we currently consider not to be material or of which we are not currently aware, and any of these risks could cause our actual results to ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. that may have a material adverse effect on our business, results of operations or financial condition. From time to time we are subject to regulatory and legal proceedings which seek material damag...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. costs to attract and retain talent, increased raw materials costs, increased logistical costs to get product from suppliers to customer’s homes and the acceleration of prices beyond the norm resulti...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. the privacy and security of customer, employee or other confidential information, due to cybersecurity-related "hacking" attacks, intrusions into our systems by unauthorized parties or otherwise, we...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our business and results of operations. We may be unable to realize the anticipated synergies from the BrandsMart U.S.A. acquisition or may incur additional and/or unexpected costs in order to real...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , further reducing costs and strengthening operating margins, and there is no guarantee that it will be successful. Our growth strategies may be unsuccessful if we are unable to identify and complet...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. could have a material adverse effect on our business, results of operations or financial condition. Given the nature of the COVID-19 pandemic, including the significant job losses caused by the pan...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. material adverse effect on our business, results of operations, financial condition, liquidity and/or cash flow in the future. Risk Related to the LTO Industry The transactions offered to consumer...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. . Our ability to enforce our rights against our franchisees may be adversely affected by these laws, which could impair our growth strategy and cause our franchise revenues to decline. Changes to cu...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. . Our current insurance program may expose us to unexpected costs, including casualty and accident-related self-insured losses, and negatively affect our financial performance. We are subject to sa...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our future results. Risks Related to Ownership of Our Common Stock Shareholders’ percentage of ownership in us may be diluted in the future. We cannot guarantee the timing, amount or payment of d...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. us. Risks Relating to Our Business Legal and Regulatory Risks Federal and state regulatory authorities are increasingly focused on consumer-facing industries, including LTO and retail, and in add...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. focused on the subprime financial marketplace in which the LTO industry operates, and any of these federal agencies, as well as state regulatory authorities, may propose and adopt new regulations, o...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and uncertain. This increased attention at the federal and state levels, as well as the potential for scrutiny by certain municipal governments, could increase our compliance costs significantly and...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. subject to federal and state laws and regulatory oversight. In addition, the manner in which we process and store certain customer, employee and other information are subject to federal and state l...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , including by expanding consumers’ rights with respect to certain personal information and creating a new state agency to oversee implementation and enforcement efforts. Many of the CPRA’s provision...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. risks" that could negatively impact our business in a particular market or in general and, therefore, may adversely affect our share price. New laws and regulations (or differing interpretations of ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. into complementary businesses that engage in retail, financial, banking or lending services, or LTO or rent-to-rent transactions involving products that we do not currently offer our customers, all ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. in material damages or place significant restrictions on our business operations, and/or divert our management’s attention from other business issues and opportunities and from our ongoing strategic...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. changes may adversely affect our profitability or increase our compliance costs. Certain judicial or regulatory decisions may restrict or eliminate the enforceability of certain types of contractua...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. agreements and waivers is restricted or eliminated, we could incur increased costs to resolve legal actions brought by customers, team members and others, as we would be forced to participate in mor...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our reputation and increased customer service costs, which could have a material adverse effect on our business, results of operations or financial condition. In addition, given the terms of our lea...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. prices beyond the norm resulting in lower lease volumes. Our financial performance could be adversely impacted by relative rates of inflation, which are subject to market conditions. The ongoing l...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and shipping our merchandise to our distribution centers and store locations and delivery to our customers may increase. Additionally, the cost of construction materials we use to build and remodel...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. negatively impact our sales and earnings if our competitors react more aggressively or if our customers curtail entering into sales and lease agreements for the merchandise we offer or enter into ag...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. expectations of our customers, we must attract, select, train, and retain a large number of hourly team members, while at the same time controlling labor costs. These positions have historically had...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , or an increase in wages and benefits to attract and maintain current team members, could adversely affect our business, results of operations or financial condition. We are subject to applicable ru...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. could have a material adverse effect on our business and operations. We believe that we have benefited substantially from our current executive leadership and that the unexpected loss of their serv...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. Risks If we do not maintain the privacy and security of customer, employee or other confidential information, due to cybersecurity-related "hacking" attacks, intrusions into our systems by unauthor...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. us that possess significant amounts of PII and/or other confidential information have experienced a significant increase in cybersecurity risks in recent years from increasingly aggressive and sophi...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. cause a breach involving such information. Any significant compromise or breach of our data security, whether external or internal, or misuse of PII and/or other confidential information may result ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our customers, may be gathered, processed, and or/stored through, or on, the networks or other systems of third-party vendors or service providers whom we have engaged. While we endeavor to conduct ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. any serious unauthorized access to, or use of, secured data, or serious data loss or theft, could far exceed the limits of our insurance coverage for such events. Further, a significant compromise o...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. regulated with respect to the manner in which we collect, store and use consumer and employee data; expose our operations in California to increased regulatory oversight and litigation risks; and in...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. could have a material adverse effect on our reputation, business, results of operations or financial condition. We also believe successful data breaches or cybersecurity incidents at other companie...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. processing lease payments on merchandise, processing retail transactions and lease or credit applications, and other important functions of our business. Failures of our systems, such as "bugs", cra...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. to centralize more of our operations, the risks and potential unfavorable impacts of systems failures will become more significant, and there can be no assurances that we can successfully mitigate s...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. business. There is a significant degree of difficulty and management involvement inherent in that process. These difficulties include: integrating the operations of the BrandsMart business while c...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. complex systems, IT systems, data privacy and security systems and our ability to maintain the privacy and security of BrandsMart's customer, employee or other confidential information; creating un...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. .A acquisition, which could also affect our ability to service our debt obligations. In addition, we may be required to spend additional time or money on integration that otherwise would be spent on ...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. incurred, and expect to incur, one-time, non-recurring costs to achieve such synergies. These or any other cost savings or operational improvements that we realize may differ materially from our est...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. to our supply chain function from decreased procurement volumes and from COVID-19 related supply chain disruptions, and with respect to the LTO business, lower lease volumes, and thus, less recurrin...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. and furniture. We also face competition from a growing variety of sources, including traditional and virtual LTO and rent-to-rent companies, Buy Now, Pay Later companies, traditional and “big-box” r...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. Many of the competitors discussed above have more advanced and modern e-commerce, logistics and other technology applications and systems that offer them a competitive advantage in attracting and re...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. into and exiting our customer lease portfolio in current and prior periods and by the amount of that revenue we collect from our customers, by comparing revenues for comparable periods for stores op...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. our significant labor related to our selling and lease renewal and collections functions, the costs associated with our last-mile delivery, our fulfillment centers and related logistics functions, a...
YOU are a financial analyst. You are reading a report of a company. The report is about the company's financial status. , and lower lease volumes. Those consequences may include, for example, smaller discounts from our vendors, or the elimination of discount programs previously offered to us, which may have an adverse...