Upbound Group, Inc. (UPBD)

NMS – Real Time Price. Currency in USD

18.88

-0.22 (-1.15%)

Market open: Aug 12, 2026, 11:16 AM EDT

19.47

+0.37 (1.94%)

Previous after-hours: Aug 11, 2026, 7:38 PM EDT

Stock details

Previous close: 19.1$
Day's range: 19.01 - 19.45$
52-week range: 15.82 - 28.03$
Volume: 791 326
Average volume: 1 391 197
Beta: 1.28
EPS (TTM): 1.57
PE ratio (TTM): 12.42
Forward P/E: 4.61
Market cap: 1 113 518 714
Shares outstanding: 58 299 409
Dividend yield: $8.17 (8.17%)
Next earnings date: 2026-10-29
Sector: Technology
Industry: Software - Application

About the company

Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and t... read more

CEO: Fahmi Karam
Country: United States
IPO Date: 1995-01-25
Employees: 12050
Fiscal Year End: January - December
Website: https://www.upbound.com

Revenue Breakdown

Acima / 53.51%

Rent-A-Center / 40.41%

Brigit / 4.39%

News

No Data

There are no news for this stock.

Chart: UPBD

Loading Chart...

Overall Score

4.7 / 1047%

Octagon View

Strength & Weakness

Total debt $1.7B significantly exceeds cash reserves ($105.3M), raising financial stability concerns

Total current assets $1.7B exceed Total current liabilities $534.0M, highlighting excellent liquidity

Debt-to-equity ratio (2.3) far exceeds the industry average, reflecting over-leverage

Interest coverage ratio (3x) is sufficient but not particularly strong

The company generates positive free cash flow $107.8M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	3.13	3.49	10
Quick ratio	0.87	2.44	5.0
Debt to Equity	2.33	0.46	2.0
Debt to Assets	0.55	2.93	4.0
Interest coverage	3.49	-29.65	8.0
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	4.25B	3.99B	4.32B	4.70B	4.74B
Gross Profit	1.31B	1.28B	1.36B	1.54B	1.59B
Operating Income	303M	307M	332M	353M	355M
Net Income	12M	-5M	123M	73M	90M
EBITDA	437M	431M	450M	488M	494M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	35.02	57.09	7.0
Operating margin %	7.65	-0.03	4.0
Net margin %	1.86	-5.75	2.0
EBITDA margin %	10.66	0.66	4.0
Cash flow margin %	10.60	4.95	5.0
Weighted average score			4.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	2.76	-15.77	4.0
ROE	12.22	3.41	7.0
ROIC	3.47	-33.53	5.0
ROCE	3.43	4.02	5.0
Weighted average score			5.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	-2.98	-8.94	1.0
Next quarter	2.16	7.34	4.0
Current year	0.86	0.35	2.0
Next year	4.26	10.58	5.5
Weighted average score			3.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-4.61	-39.68	-0.92	-30.3	1.0
Y/Y	0.51	39.39	-4.45	1275.23	5.8
3y average	3.65	767.21	3.89	87.27	7.0
5y average	13.29	435.13	7.18	69.71	8.3
Weighted average score					5.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.49	4.10	5.2
PEG (5yr expected)	N/A	0.44	1.0
P/S	0.24	6.76	10
P/B	1.53	2.92	7.2
Weighted average score			5.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.23%

FCF 5 year CAGR4

Fair value73.63$

Stock price18.89$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	6.20	6.20	10
Payout ratio	30.19	30.19	5.0
5-year dividend growth rate	5.74	5.74	7.0
Years of dividend increase	5.00	5.00	5.0
Weighted average score			6.8

Fair Value

$73.63

UndervaluedStock priceOvervalued

$18.89

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Fahmi Karam

Country

United States

IPO Date

1995-01-25

Employees

12050

Fiscal Year End

January - December

Website

https://www.upbound.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

3.13

3.49

Quick ratio

0.87

2.44

5.0

Debt to Equity

2.33

0.46

2.0

Debt to Assets

0.55

2.93

4.0

Interest coverage

3.49

-29.65

8.0

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

4.25B

3.99B

4.32B

4.70B

4.74B

Gross Profit

1.31B

1.28B

1.36B

1.54B

1.59B

Operating Income

303M

307M

332M

353M

355M

Net Income

12M

-5M

123M

73M

90M

EBITDA

437M

431M

450M

488M

494M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

35.02

57.09

7.0

Operating margin %

7.65

-0.03

4.0

Net margin %

1.86

-5.75

2.0

EBITDA margin %

10.66

0.66

4.0

Cash flow margin %

10.60

4.95

5.0

Weighted average score

4.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

2.76

-15.77

4.0

ROE

12.22

3.41

7.0

ROIC

3.47

-33.53

5.0

ROCE

3.43

4.02

5.0

Weighted average score

5.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

-2.98

-8.94

1.0

Next quarter

2.16

7.34

4.0

Current year

0.86

0.35

2.0

Next year

4.26

10.58

5.5

Weighted average score

3.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-4.61

-39.68

-0.92

-30.3

1.0

Y/Y

0.51

39.39

-4.45

1275.23

5.8

3y average

3.65

767.21

3.89

87.27

7.0

5y average

13.29

435.13

7.18

69.71

8.3

Weighted average score

5.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.49

4.10

5.2

PEG (5yr expected)

N/A

0.44

1.0

P/S

0.24

6.76

P/B

1.53

2.92

7.2

Weighted average score

5.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

6.20

Payout ratio

30.19

5.0

5-year dividend growth rate

5.74

7.0

Years of dividend increase

5.00

5.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

Search stocks

Upbound Group, Inc. (UPBD)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

Upbound Group, Inc. (UPBD)

Stock details

About the company

Revenue Breakdown

News

Chart: UPBD

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$73.63

$18.89

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: UPBD

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$73.63

$18.89

Economic Moat