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Upbound GroupFRA:RAC -4.38%73 EV-to-FCF is 7.72 as of Aug. 02, 2026, which is 34% below its 10-year median of 11.74. GuruFocus rates FRA:RAC with a GF Score™ of 73/100 and a GF Value™ of €28.53 (Significantly Undervalued). The stock has 8 warning signs investors should review. Among 1,606 Software companies, Upbound Group ranks better than 75.22% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Upbound Group's Enterprise Value is €2,372 Mil.
Upbound Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €307 Mil. Therefore, Upbound Group's EV-to-FCF for today is 7.72.
The historical rank and industry rank for Upbound Group's EV-to-FCF or its related term are showing as below:
FRA:RAC'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.6 Med: 11.74 Max: 65.66
Current: 7.68
During the past 13 years, the highest EV-to-FCF of Upbound Group was 65.66. The lowest was 3.60. And the median was 11.74.
FRA:RAC's EV-to-FCF is ranked better than 75.22% of 1606
companies
in the Software industry
Industry Median: 15.005
vs FRA:RAC: 7.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Upbound Group's PE Ratio (TTM) for today is calculated as:
Upbound Group's share price for today is €17.36.
Upbound Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.326.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Upbound Group EV-to-FCF Related Terms
Upbound Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Upbound Group's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Software Industry
For the Software industry and Technology sector, Upbound Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Upbound Group's EV-to-FCF falls into.
Upbound Group's current Enterprise Value is €2,372 Mil.
Upbound Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €307 Mil.
* 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 (FRA:RAC) has a EV-to-FCF of 7.72 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Upbound Group and its competitors. This is 34% below median its historical median of 11.74. Over the past decade, Upbound Group's EV-to-FCF has ranged from 3.60 to 65.66. According to the industry distribution chart, Upbound Group ranks #398 out of 1606 companies in the Software industry, placing it in the top 24.8%.
Is Upbound Group's EV-to-FCF too high?
Upbound Group's current EV-to-FCF of 7.72 is 34% below median its 10-year median of 11.74. Over the past 10 years, this metric has ranged from a low of 3.60 to a high of 65.66. The Software industry median EV-to-FCF is 15.01. Upbound Group's value of 7.72 is 48.6% below this industry median. Based on the distribution chart, Upbound Group ranks #398 out of 1606 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Upbound Group has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's EV-to-FCF compare to DFIN and SECZ?
According to the Software industry distribution chart, Upbound Group ranks #398 out of 1606 companies for EV-to-FCF. This places Upbound Group in the top 25% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 15.01. Upbound Group's value of 7.72 is 48.6% below this benchmark. Historically, Upbound Group's own EV-to-FCF has ranged from 3.60 to 65.66 over the past decade. While the company's 10-year median is 11.74 vs. the industry median of 15.01, 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 EV-to-FCF for a Software company?
The median EV-to-FCF among Software companies is 15.01, based on 1,606 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current EV-to-FCF of 7.72 is 48.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Upbound Group and its competitors. For the Software industry, the median EV-to-FCF is 15.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current EV-to-FCF is 7.72, which is 34% below median its own 10-year median of 11.74. 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 (FRA:RAC) is currently considered Significantly Undervalued. The stock's GF Value™ is €28.53, compared to a current price of €17.36 — trading 39.2% below its estimated fair value. The current EV-to-FCF is 7.72, which is 34% below median its 10-year median of 11.74 and 48.6% below the Software industry median of 15.01. Upbound Group's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Upbound Group (FRA:RAC), the current EV-to-FCF is 7.72 as of Aug. 02, 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 (FRA:RAC) Overvalued in 2026?
Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued.
The current stock price of €17.36 is trading 39.2% below its estimated GF Value™ of €28.53.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for FRA:RAC:
EV-to-FCF: 7.72 (34% below median its 10-year median of 11.74)
GF Value™: €28.53 vs. price of €17.36 (39.2% below fair value)
Industry Position: 48.6% below the Software median (#398 of 1606)
No single metric tells the full story. See the FRA:RAC 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.
73GF Score
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