UPBD (Upbound Group) E10: $1.19 (As of Mar. 2026)


UPBD Upbound Group Inc UPBD
74 GF Score
Price $20.26
GF Value $31.83
Valuation Significantly Undervalued
! 7 Warning Signs
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What is Upbound Group E10?

Upbound Group UPBD +3.42% 74 E10 is $1.19 as of Mar. 2026. 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Upbound Group's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.610. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.19 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Upbound Group was 20.70% per year. The lowest was -72.30% per year. And the median was 3.20% per year.

As of today (2026-06-25), Upbound Group's current stock price is $20.26. Upbound Group's E10 for the quarter that ended in Mar. 2026 was $1.19. Upbound Group's Shiller PE Ratio of today is 17.03.

During the past 13 years, the highest Shiller PE Ratio of Upbound Group was 1261.00. The lowest was 14.39. And the median was 31.18.


Upbound Group  (NAS:UPBD) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Upbound Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=20.26/1.19
=17.03

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Upbound Group was 1261.00. The lowest was 14.39. And the median was 31.18.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Upbound Group E10 Related Terms


Upbound Group E10 Historical Data

* Premium members only.

The historical data trend for Upbound Group's E10 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.

Upbound Group E10 Chart

Upbound Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.37 -0.77 -1.11 -1.16 1.17

Upbound Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.21 -1.25 -1.22 1.17 1.19

UPBD vs APPS, AMPL, VIA: E10 Comparison

For the Software - Application subindustry, Upbound Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Software Industry

For the Software industry and Technology sector, Upbound Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Upbound Group's Shiller PE Ratio falls into.


UPBD
74GF Score
Upbound Group Inc UPBD
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Upbound Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Upbound Group's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.61/330.2130*330.2130
=0.610

Current CPI (Mar. 2026) = 330.2130.

Upbound Group Quarterly Data

per share eps CPI Adj_EPS
201606 0.190 241.018 0.260
201609 0.120 241.428 0.164
201612 -3.215 241.432 -4.397
201703 -0.130 243.801 -0.176
201706 -0.170 244.955 -0.229
201709 -0.240 246.819 -0.321
201712 0.650 246.524 0.871
201803 -0.370 249.554 -0.490
201806 0.250 251.989 0.328
201809 0.240 252.439 0.314
201812 0.030 251.233 0.039
201903 0.130 254.202 0.169
201906 1.700 256.143 2.192
201909 0.560 256.759 0.720
201912 0.720 256.974 0.925
202003 0.880 258.115 1.126
202006 0.700 257.797 0.897
202009 1.150 260.280 1.459
202012 1.000 260.474 1.268
202103 0.640 264.877 0.798
202106 0.900 271.696 1.094
202109 0.310 274.310 0.373
202112 0.150 278.802 0.178
202203 -0.080 287.504 -0.092
202206 0.330 296.311 0.368
202209 -0.100 296.808 -0.111
202212 0.050 296.797 0.056
202303 0.840 301.836 0.919
202306 -0.830 305.109 -0.898
202309 0.080 307.789 0.086
202312 -0.200 306.746 -0.215
202403 0.500 312.332 0.529
202406 0.610 314.175 0.641
202409 0.550 315.301 0.576
202412 0.550 315.605 0.575
202503 0.420 319.799 0.434
202506 0.260 322.561 0.266
202509 0.220 324.800 0.224
202512 0.340 324.054 0.346
202603 0.610 330.213 0.610

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.19 mean?
Upbound Group (UPBD) has a E10 of $1.19 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Upbound Group and its competitors.
Is Upbound Group's E10 too high?
Upbound Group's current E10 is $1.19. 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 E10 compare to APPS and AMPL?
Upbound Group's E10 of $1.19 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Software company?
A good E10 depends on the Software industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Upbound Group and its competitors. Upbound Group's current E10 is $1.19. 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 $20.26 — trading 36.3% below its estimated fair value. The current E10 is $1.19. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Upbound Group (UPBD), the current E10 is $1.19 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 $20.26 is trading 36.3% below its estimated GF Value™ of $31.83. GuruFocus considers Upbound Group to be Significantly Undervalued.

Key valuation signals for UPBD:

  • E10: $1.19
  • GF Value™: $31.83 vs. price of $20.26 (36.3% below fair value)
  • GF Score™: 74/100 with 7 warning signs

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 Business Description

Other Exchanges RAC:Germany
Address 5501 Headquarters Drive, Plano, TX, USA, 75024
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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.26
Price
$31.83
GF Value