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UPBD (Upbound Group) Piotroski F-Score : 5 (As of Mar. 17, 2025)


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What is Upbound Group Piotroski F-Score?

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Upbound Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.

The historical rank and industry rank for Upbound Group's Piotroski F-Score or its related term are showing as below:

UPBD' s Piotroski F-Score Range Over the Past 10 Years
Min: 4   Med: 6   Max: 8
Current: 5

During the past 13 years, the highest Piotroski F-Score of Upbound Group was 8. The lowest was 4. And the median was 6.


Upbound Group Piotroski F-Score Historical Data

The historical data trend for Upbound Group's Piotroski F-Score 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.

* Premium members only.

Upbound Group Piotroski F-Score Chart

Upbound Group Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Piotroski F-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.00 4.00 7.00 5.00 5.00

Upbound Group Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Piotroski F-Score 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 5.00 5.00 6.00 7.00 5.00

Competitive Comparison of Upbound Group's Piotroski F-Score

For the Software - Application subindustry, Upbound Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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's Piotroski F-Score Distribution in the Software Industry

For the Software industry and Technology sector, Upbound Group's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where Upbound Group's Piotroski F-Score falls into.


How is the Piotroski F-Score calculated?

* 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.

This Year (Dec24) TTM:Last Year (Dec23) TTM:
Net Income was 27.687 + 33.949 + 30.86 + 30.982 = $123 Mil.
Cash Flow from Operations was 45.421 + 15.04 + 106.205 + -61.945 = $105 Mil.
Revenue was 1095.967 + 1076.51 + 1068.859 + 1079.228 = $4,321 Mil.
Gross Profit was 529.068 + 531.959 + 511.086 + 508.238 = $2,080 Mil.
Average Total Assets from the begining of this year (Dec23)
to the end of this year (Dec24) was
(2721.43 + 2626.984 + 2620.279 + 2578.49 + 2649.662) / 5 = $2639.369 Mil.
Total Assets at the begining of this year (Dec23) was $2,721 Mil.
Long-Term Debt & Capital Lease Obligation was $1,583 Mil.
Total Current Assets was $277 Mil.
Total Current Liabilities was $371 Mil.
Net Income was 47.33 + -45.618 + 4.363 + -11.254 = $-5 Mil.

Revenue was 1016.061 + 979.163 + 979.098 + 1018.091 = $3,992 Mil.
Gross Profit was 506.264 + 506.226 + 497.166 + 512.602 = $2,022 Mil.
Average Total Assets from the begining of last year (Dec22)
to the end of last year (Dec23) was
(2763.619 + 2741.125 + 2585.924 + 2626.075 + 2721.43) / 5 = $2687.6346 Mil.
Total Assets at the begining of last year (Dec22) was $2,764 Mil.
Long-Term Debt & Capital Lease Obligation was $1,600 Mil.
Total Current Assets was $261 Mil.
Total Current Liabilities was $452 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Upbound Group's current Net Income (TTM) was 123. ==> Positive ==> Score 1.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Upbound Group's current Cash Flow from Operations (TTM) was 105. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Dec23)
=123.478/2721.43
=0.04537247

ROA (Last Year)=Net Income/Total Assets (Dec22)
=-5.179/2763.619
=-0.00187399

Upbound Group's return on assets of this year was 0.04537247. Upbound Group's return on assets of last year was -0.00187399. ==> This year is higher. ==> Score 1.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

Upbound Group's current Net Income (TTM) was 123. Upbound Group's current Cash Flow from Operations (TTM) was 105. ==> 105 <= 123 ==> CFROA <= ROA ==> Score 0.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Dec24)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Dec23 to Dec24
=1582.599/2639.369
=0.59961263

Gearing (Last Year: Dec23)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Dec22 to Dec23
=1600.062/2687.6346
=0.59534209

Upbound Group's gearing of this year was 0.59961263. Upbound Group's gearing of last year was 0.59534209. ==> Last year is lower than this year ==> Score 0.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

Current Ratio (This Year: Dec24)=Total Current Assets/Total Current Liabilities
=277.025/371.343
=0.74600841

Current Ratio (Last Year: Dec23)=Total Current Assets/Total Current Liabilities
=261.367/452.247
=0.57792976

Upbound Group's current ratio of this year was 0.74600841. Upbound Group's current ratio of last year was 0.57792976. ==> This year's current ratio is higher. ==> Score 1.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

Upbound Group's number of shares in issue this year was 56.113. Upbound Group's number of shares in issue last year was 54.03. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

Gross Margin (This Year: TTM)=Gross Profit/Revenue
=2080.351/4320.564
=0.48149987

Gross Margin (Last Year: TTM)=Gross Profit/Revenue
=2022.258/3992.413
=0.50652525

Upbound Group's gross margin of this year was 0.48149987. Upbound Group's gross margin of last year was 0.50652525. ==> Last year's gross margin is higher ==> Score 0.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Dec23)
=4320.564/2721.43
=1.58760799

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Dec22)
=3992.413/2763.619
=1.4446322

Upbound Group's asset turnover of this year was 1.58760799. Upbound Group's asset turnover of last year was 1.4446322. ==> This year's asset turnover is higher. ==> Score 1.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=1+1+1+0+0+1+0+0+1
=5

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Upbound Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.

Upbound Group  (NAS:UPBD) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


Upbound Group Piotroski F-Score Related Terms

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Upbound Group Business Description

Traded in Other Exchanges
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 across e-commerce, digital, and mobile channels, Mexico segment offers lease-to-own stores in Mexico. The franchising segment offers the sale of rental merchandise to its franchisees. The company derives a majority of its revenue from the Acima segment.
Executives
Jeffrey J Brown other: See Footnote 1 19900 MACARTHUR BLVD, SUITE 570, IRVINE CA 92612
Anthony J Blasquez officer: EVP, Operations 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Transient C Taylor officer: EVP, Human Resources 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Tyler Montrone officer: EVP, Acima 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Sudeep Gautam officer: EVP, Chief Tech & Digital Off 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Fahmi Karam officer: EVP, Chief Financial Officer 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Aaron R Allred officer: EVP, Acima 3 DAWN HILL DR, SANDY UT 84092
Mitchell E Fadel other: See Footnote 1 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Jen You director 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Christopher B. Hetrick other: See Footnote 1 610 NEWPORT CENTER DRIVE, SUITE 250, NEWPORT BEACH CA 92660
Maureen B Short officer: CFO 5501 HEADQUARTERS DR, PLANO TX 75024
Ann L Davids officer: EVP, Chief Marketing Officer 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Catherine M Skula officer: EVP, Franchising 5501 HEADQUARTERS DR, C/O RENT-A-CENTER, INC., PLANO TX 75024
Brinson Caleb Silver director C/O RENT-A-CENTER, INC., 5501 HEADQUARTERS DRIVE, PLANO TX 75024
Harold G Lewis director 5501 HEADQUARTERS DRIVE, PLANO TX 75024