Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Upbound GroupUPBD -2.96%74 Debt-to-EBITDA is 0.95 as of Mar. 2026, which is 11% below its 10-year median of 1.07. GuruFocus rates UPBD with a GF Score™ of 74/100 and a GF Value™ of $31.88 (Significantly Undervalued). The stock has 7 warning signs investors should review. Among 1,719 Software companies, Upbound Group ranks better than 52.07% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Upbound Group's Debt-to-EBITDA or its related term are showing as below:
UPBD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.51 Med: 1.07 Max: 1.13
Current: 0.98
During the past 13 years, the highest Debt-to-EBITDA Ratio of Upbound Group was 1.13. The lowest was 0.51. And the median was 1.07.
UPBD's Debt-to-EBITDA is ranked better than 52.07% of 1719
companies
in the Software industry
Industry Median: 1.08
vs UPBD: 0.98
Upbound Group (NAS:UPBD) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Upbound Group Debt-to-EBITDA Related Terms
Upbound Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Upbound Group's Debt-to-EBITDA 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.
UPBD vs CXM, WLTH, APPS: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Upbound Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Upbound Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Upbound Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Upbound Group (UPBD) has a Debt-to-EBITDA of 0.95 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Upbound Group. This is 11% below median its historical median of 1.07. Over the past decade, Upbound Group's Debt-to-EBITDA has ranged from 0.51 to 1.13. According to the industry distribution chart, Upbound Group ranks #824 out of 1719 companies in the Software industry, placing it in the top 47.9%.
Is Upbound Group's Debt-to-EBITDA too high?
Upbound Group's current Debt-to-EBITDA of 0.95 is 11% below median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.13. The Software industry median Debt-to-EBITDA is 1.08. Upbound Group's value of 0.95 is 12% below this industry median. Based on the distribution chart, Upbound Group ranks #824 out of 1719 companies in the Software industry, which is above the industry midpoint. 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 Debt-to-EBITDA compare to CXM and WLTH?
According to the Software industry distribution chart, Upbound Group ranks #824 out of 1719 companies for Debt-to-EBITDA. This puts Upbound Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.08. Upbound Group's value of 0.95 is 12% below this benchmark. Historically, Upbound Group's own Debt-to-EBITDA has ranged from 0.51 to 1.13 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.08, 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 Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,719 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current Debt-to-EBITDA of 0.95 is 12% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Upbound Group. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current Debt-to-EBITDA is 0.95, which is 11% below median its own 10-year median of 1.07. 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 $31.88, compared to a current price of $20.46 — trading 35.8% below its estimated fair value. The current Debt-to-EBITDA is 0.95, which is 11% below median its 10-year median of 1.07 and 12% below the Software industry median of 1.08. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Upbound Group (UPBD), the current Debt-to-EBITDA is 0.95 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 $20.46 is trading 35.8% below its estimated GF Value™ of $31.88.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
Debt-to-EBITDA: 0.95 (11% below median its 10-year median of 1.07)
GF Value™: $31.88 vs. price of $20.46 (35.8% below fair value)
Industry Position: 12% below the Software median (#824 of 1719)
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
Get the complete analysis for UPBD
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UPBD has been successfully added to your 
