Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Upbound Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $108 Mil. Upbound Group's average total debt for the quarter that ended in Mar. 2026 was $1,792 Mil. Therefore, Upbound Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.00%.
Upbound Group (NAS:UPBD) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Upbound Group Effective Interest Rate on Debt % Related Terms
Upbound Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for Upbound Group's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
UPBD vs CXM, WLTH, APPS: Effective Interest Rate on Debt % Comparison
For the Software - Application subindustry, Upbound Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Software Industry
For the Software industry and Technology sector, Upbound Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Upbound Group's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 6.00% mean?
Upbound Group (UPBD) has a Effective Interest Rate on Debt % of 6.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Upbound Group and its competitors.
Is Upbound Group's Effective Interest Rate on Debt % too high?
Upbound Group's current Effective Interest Rate on Debt % is 6.00%. 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 Effective Interest Rate on Debt % compare to CXM and WLTH?
Upbound Group's Effective Interest Rate on Debt % of 6.00% 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 Effective Interest Rate on Debt % for a Software company?
A good Effective Interest Rate on Debt % depends on the Software industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Upbound Group and its competitors. Upbound Group's current Effective Interest Rate on Debt % is 6.00%. 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 $31.86, compared to a current price of $21.16 — trading 33.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.00%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Upbound Group (UPBD), the current Effective Interest Rate on Debt % is 6.00% 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 $21.16 is trading 33.6% below its estimated GF Value™ of $31.86.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
Effective Interest Rate on Debt %: 6.00%
GF Value™: $31.86 vs. price of $21.16 (33.6% below fair value)
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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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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