Upbound GroupMEX:UPBD 74 Interest Coverage is 2.88 as of Mar. 2026, which is 45% above its 10-year median of 1.98. GuruFocus rates MEX:UPBD with a GF Score™ of 74/100 and a GF Value™ of MXN708.07. The stock has 7 warning signs investors should review. Among 1,706 Software companies, Upbound Group ranks worse than 89.74% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Upbound Group's
Operating Income
for the
three
months ended in Mar. 2026 was MXN1,396 Mil. Upbound Group's Interest Expense for the
three
months ended in Mar. 2026 was MXN-485 Mil.
Upbound Group's interest coverage for the quarter that ended in Mar. 2026 was 2.88.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Upbound Group's Interest Coverage or its related term are showing as below:
MEX:UPBD'
s Interest Coverage Range Over the Past 10 Years
Min: 1.31 Med: 1.98 Max: 15.49
Current: 2.13
MEX:UPBD's Interest Coverage is ranked worse than 89.74% of 1706
companies
in the Software industry
Industry Median: 24.75
vs MEX:UPBD: 2.13
Upbound Group (MEX:UPBD) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Upbound Group Interest Coverage Related Terms
Upbound Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Upbound Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:UPBD vs CXM, WLTH, APPS: Interest Coverage Comparison
For the Software - Application subindustry, Upbound Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Software Industry
For the Software industry and Technology sector, Upbound Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Upbound Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (MEX:UPBD) has a Interest Coverage of 2.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Upbound Group and its competitors. This is 45% above median its historical median of 1.98. Over the past decade, Upbound Group's Interest Coverage has ranged from 1.31 to 15.49. According to the industry distribution chart, Upbound Group ranks #1531 out of 1706 companies in the Software industry, placing it in the top 89.7%.
Is Upbound Group's Interest Coverage too high?
Upbound Group's current Interest Coverage of 2.88 is 45% above median its 10-year median of 1.98. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 15.49. The Software industry median Interest Coverage is 24.75. Upbound Group's value of 2.88 is 88.4% below this industry median. Based on the distribution chart, Upbound Group ranks #1531 out of 1706 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Upbound Group has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's Interest Coverage compare to CXM and WLTH?
According to the Software industry distribution chart, Upbound Group ranks #1531 out of 1706 companies for Interest Coverage. This places Upbound Group in the lower half of its industry. The industry median Interest Coverage is 24.75. Upbound Group's value of 2.88 is 88.4% below this benchmark. Historically, Upbound Group's own Interest Coverage has ranged from 1.31 to 15.49 over the past decade. While the company's 10-year median is 1.98 vs. the industry median of 24.75, 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 Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 24.75, based on 1,706 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current Interest Coverage of 2.88 is 88.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Upbound Group and its competitors. For the Software industry, the median Interest Coverage is 24.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current Interest Coverage is 2.88, which is 45% above median its own 10-year median of 1.98. 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?
Upbound Group (MEX:UPBD) has a current Interest Coverage of 2.88. The stock's GF Value™ is MXN708.07, compared to a current price of MXN461.00 — trading 34.9% below its estimated fair value. The current Interest Coverage is 2.88, which is 45% above median its 10-year median of 1.98 and 88.4% below the Software industry median of 24.75. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Upbound Group (MEX:UPBD), the current Interest Coverage is 2.88 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 (MEX:UPBD) Overvalued in 2026?
Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued.
The current stock price of MXN461.00 is trading 34.9% below its estimated GF Value™ of MXN708.07.
Key valuation signals for MEX:UPBD:
Interest Coverage: 2.88 (45% above median its 10-year median of 1.98)
GF Value™: MXN708.07 vs. price of MXN461.00 (34.9% below fair value)
Industry Position: 88.4% below the Software median (#1531 of 1706)
No single metric tells the full story. See the MEX: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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