Upbound GroupUPBD +3.13%74 Current Ratio is 0.79 as of Mar. 2026, which is 22% above its 10-year median of 0.65. GuruFocus rates UPBD with a GF Score™ of 74/100 and a GF Value™ of $31.83 (Significantly Undervalued). The stock has 7 warning signs investors should review. Among 2,866 Software companies, Upbound Group ranks worse than 85.83% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Upbound Group's current ratio for the quarter that ended in Mar. 2026 was 0.79.
Upbound Group has a current ratio of 0.79. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Upbound Group has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Upbound Group's Current Ratio or its related term are showing as below:
UPBD'
s Current Ratio Range Over the Past 10 Years
Min: 0.43 Med: 0.65 Max: 1.12
Current: 0.79
During the past 13 years, Upbound Group's highest Current Ratio was 1.12. The lowest was 0.43. And the median was 0.65.
UPBD's Current Ratio is ranked worse than 85.83% of 2866
companies
in the Software industry
Industry Median: 1.815
vs UPBD: 0.79
Upbound Group (NAS:UPBD) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Upbound Group Current Ratio Related Terms
Upbound Group Current Ratio Historical Data
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The historical data trend for Upbound Group's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Application subindustry, Upbound Group's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upbound Group Current Ratio vs Software Industry
For the Software industry and Technology sector, Upbound Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where Upbound Group's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Upbound Group (UPBD) has a Current Ratio of 0.79 as of Mar. 2026. This is 22% above median its historical median of 0.65. Over the past decade, Upbound Group's Current Ratio has ranged from 0.43 to 1.12. According to the industry distribution chart, Upbound Group ranks #2460 out of 2866 companies in the Software industry, placing it in the top 85.8%.
Is Upbound Group's Current Ratio too high?
Upbound Group's current Current Ratio of 0.79 is 22% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 1.12. The Software industry median Current Ratio is 1.82. Upbound Group's value of 0.79 is 56.5% below this industry median. Based on the distribution chart, Upbound Group ranks #2460 out of 2866 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Upbound Group has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's Current Ratio compare to APPS and AMPL?
According to the Software industry distribution chart, Upbound Group ranks #2460 out of 2866 companies for Current Ratio. This places Upbound Group in the lower half of its industry. The industry median Current Ratio is 1.82. Upbound Group's value of 0.79 is 56.5% below this benchmark. Historically, Upbound Group's own Current Ratio has ranged from 0.43 to 1.12 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.82, Upbound Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Software company?
The median Current Ratio among Software companies is 1.82, based on 2,866 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current Current Ratio of 0.79 is 56.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Current Ratio is 1.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current Current Ratio is 0.79, which is 22% above median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upbound Group stock overvalued right now?
Based on GuruFocus' analysis, Upbound Group (UPBD) is currently considered Significantly Undervalued. The stock's GF Value™ is $31.83, compared to a current price of $20.44 — trading 35.8% below its estimated fair value. The current Current Ratio is 0.79, which is 22% above median its 10-year median of 0.65 and 56.5% below the Software industry median of 1.82. Upbound Group's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Upbound Group (UPBD), the current Current Ratio is 0.79 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upbound Group (UPBD) Overvalued in 2026?
Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued.
The current stock price of $20.44 is trading 35.8% below its estimated GF Value™ of $31.83.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
Current Ratio: 0.79 (22% above median its 10-year median of 0.65)
GF Value™: $31.83 vs. price of $20.44 (35.8% below fair value)
Industry Position: 56.5% below the Software median (#2460 of 2866)
No single metric tells the full story. See the UPBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has four operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions, Mexico segment offers lease-to-own stores in Mexico. The The Brigit segment offers various financial health products and tools to help users improve their financial health. The company derives a majority of its revenue from the Acima segment.
74GF Score
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