Business Description
ISIN : US76009N1000
Share Class Description:
UPBD: Ordinary SharesTotal Employee Number:
12,050Financial Strength
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.06 | |||||
Equity-to-Asset | 0.24 | |||||
Debt-to-Equity | 2.33 | |||||
Debt-to-EBITDA | 0.97 | |||||
Interest Coverage | 2.22 | |||||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 2.51 | |||||
Beneish M-Score | -2.93 | |||||
WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 3.6 | |||||
3-Year EBITDA Growth Rate | 4.9 | |||||
3-Year EPS without NRI Growth Rate | -30.4 | |||||
3-Year FCF Growth Rate | -16.1 | |||||
3-Year Book Growth Rate | 8.4 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 7.74 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 3.77 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 50.31 | |||||
9-Day RSI | 46.68 | |||||
14-Day RSI | 46.28 | |||||
3-1 Month Momentum % | 9.11 | |||||
6-1 Month Momentum % | -3.92 | |||||
12-1 Month Momentum % | -20.94 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.87 | |||||
Quick Ratio | 0.87 | |||||
Cash Ratio | 0.2 | |||||
Days Inventory | 0.74 | |||||
Days Sales Outstanding | 15.34 | |||||
Days Payable | 19.45 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 8.07 | |||||
Dividend Payout Ratio | 1.01 | |||||
3-Year Dividend Growth Rate | 4.7 | |||||
Forward Dividend Yield % | 8.07 | |||||
5-Year Yield-on-Cost % | 10.6 | |||||
3-Year Average Share Buyback Ratio | -1.3 | |||||
Shareholder Yield % | -0.24 |
Profitability Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 49.13 | |||||
Operating Margin % | 5.09 | |||||
Net Margin % | 1.9 | |||||
EBITDA Margin % | 37.05 | |||||
FCF Margin % | 7.5 | |||||
OCF Margin % | 8.97 | |||||
ROE % | 12.84 | |||||
ROA % | 2.86 | |||||
ROIC % | 6.16 | |||||
3-Year ROIIC % | 36.91 | |||||
ROC (Joel Greenblatt) % | 13.19 | |||||
ROCE % | 9.1 | |||||
Years of Profitability over Past 10-Year | 8 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 6 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 12.54 | |||||
Forward PE Ratio | 4.66 | |||||
PE Ratio without NRI | 12.54 | |||||
Shiller PE Ratio | 15.96 | |||||
Price-to-Owner-Earnings | 5.04 | |||||
PEG Ratio | 1.17 | |||||
PS Ratio | 0.24 | |||||
PB Ratio | 1.53 | |||||
Price-to-Free-Cash-Flow | 3.15 | |||||
Price-to-Operating-Cash-Flow | 2.64 | |||||
EV-to-EBIT | 11.4 | |||||
EV-to-Forward-EBIT | 7.65 | |||||
EV-to-EBITDA | 1.55 | |||||
EV-to-Revenue | 0.58 | |||||
EV-to-Forward-Revenue | 0.56 | |||||
EV-to-FCF | 7.67 | |||||
Price-to-GF-Value | 0.68 | |||||
Price-to-Projected-FCF | 0.32 | |||||
Price-to-Median-PS-Value | 0.66 | |||||
Price-to-Peter-Lynch-Fair-Value | 2.03 | |||||
Earnings Yield (Greenblatt) % | 8.77 | |||||
FCF Yield % | 31.62 | |||||
Forward Rate of Return (Yacktman) % | 28.28 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Annualized Return % Â
Total Annual Return % Â
Upbound Group Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 4,744.317 | ||
| EPS (TTM) ($) | 1.54 | ||
| Beta | 1.6686 | ||
| 3-Year Sharpe Ratio | -0.36 | ||
| 3-Year Sortino Ratio | -0.51 | ||
| Volatility % | 44.36 | ||
| 14-Day RSI | 46.28 | ||
| 14-Day ATR ($) | 0.665916 | ||
| 20-Day SMA ($) | 19.4505 | ||
| 12-1 Month Momentum % | -20.94 | ||
| 52-Week Range ($) | 15.82 - 28.025 | ||
| Shares Outstanding (Mil) | 58.3 |
Piotroski F-Score Details
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Upbound Group Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Upbound Group Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-02-23 | In 179 days | ||
| Fourth quarter earnings conference call for 2026 | 2027-02-19 09:00 | In 176 days | ||
| Fourth quarter earnings results for 2026 | 2027-02-19 | In 175 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-30 09:00 | In 64 days | ||
| Third quarter earnings results for 2026 | 2026-10-30 | In 63 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-30 09:00 | 20.95 (-1.94%) | ||
| Second quarter earnings results for 2026 | 2026-07-30 | 20.95 (-1.94%) | ||
| USD 0.390000 Cash Dividend | 2026-06-16 | 18.72 (-2.85%) | ||
| General meeting for 2026 | 2026-06-02 08:00 | 19.06 (+0.03%) | ||
| First quarter earnings conference call for 2026 | 2026-04-30 09:00 | 18.94 (-0.63%) |
Upbound Group Inc Frequently Asked Questions
Guru Commentaries on NAS:UPBD
Upbound Group (UPBD) lends to sub-prime consumers in two primary segments: Rent-a-Center, which focuses on furniture and appliances through physical stores; and Acima, which offers last-look financing through associated retailers including electronics and tire shops. Sub-prime consumers are struggling but Upbound’s operating results have hung in there. The company has been slow to de-lever after purchasing Acima in 2021 and made another incremental acquisition on Jan. 31, 2025 when it bought Brigit, an app that charges subscription fees to access payday lending. UPBD stock is cheap at less than five times earnings. But we have been slow to add given the company’s leverage and questions about its business model.
In the first quarter of 2025, we made significant additions to our holdings in Upbound Group (UPBD), which is consumer-facing and became significantly more attractively priced during the quarter. The company is well-positioned within its sector, and we believe its valuation presents a compelling opportunity for growth. Our confidence in Upbound Group is bolstered by its operational strengths and the favorable market conditions that support its business model.
In the first quarter of 2025, we made significant additions to our holdings in Upbound Group (UPBD), which is consumer-facing. The company became significantly more attractively priced during the quarter, indicating a favorable investment opportunity. Our strategy focuses on acquiring businesses that are well-run and reasonably priced, and we believe Upbound Group fits this profile well, enhancing our portfolio's overall value.
In the first quarter of 2025, we made significant additions to our holdings in Upbound Group (UPBD), which is consumer-facing. The company became significantly more attractively priced during the quarter, indicating a favorable investment opportunity. Our analysis suggests that Upbound Group is well-positioned to benefit from the current market dynamics, and we are optimistic about its potential for growth.
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