Page 1

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 Form 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31 , 2021 or □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-34956 CONN'S , INC . ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation or organization ) 2445 Technology Forest Blvd. , Suite 800 , The Woodlands , TX ( Address of principal executive offices ) Title of Each Class Common Stock , par value $ 0.01 per share Large accelerated filer Non - accelerated filer 06-1672840 Trading Symbol CONN ( I.R.S. Employer Identification Number ) Registrant's telephone number , including area code : ( 936 ) 230-5899 Securities registered pursuant to Section 12 ( b ) of the Act : 77381 ( Zip Code ) Name of Each Exchange on Which Registered NASDAQ Global Select Market Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes o No ý Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes o No ý Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes ý No o Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes ý No o Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , or a smaller reporting company . See definitions of " large accelerated filer , " " accelerated filer ” and “ smaller reporting company " in Rule 12b - 2 of the Exchange Act . Accelerated filer Smaller reporting company Emerging growth company ý If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . » Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No ý The aggregate market value of the voting and non - voting common equity held by non - affiliates as of July 31 , 2020 , was $ 140.4 million based on the closing price of the registrant's common stock as reported on the NASDAQ Global Select Market on such date . There were 29,314,850 shares of common stock , $ 0.01 par value per share , outstanding on March 22 , 2021 . DOCUMENTS INCORPORATED BY REFERENCE