UPBD (Upbound Group) LT-Debt-to-Total-Asset: 0.55 (As of Mar. 2026)

What is Upbound Group LT-Debt-to-Total-Asset?

Upbound Group UPBD +1.01% 74 LT-Debt-to-Total-Asset is 0.55 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Upbound Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.55.

Upbound Group's long-term debt to total assets ratio declined from Mar. 2025 (0.59) to Mar. 2026 (0.55). It may suggest that Upbound Group is progressively becoming less dependent on debt to grow their business.

Upbound Group (NAS:UPBD) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Upbound Group LT-Debt-to-Total-Asset Related Terms

Upbound Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Upbound Group's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Upbound Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.62

0.61

0.59

0.60

0.57

Upbound Group Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.59	0.60	0.57	0.57	0.55

74GF Score

Upbound Group Inc UPBD

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Upbound Group LT-Debt-to-Total-Asset Calculation

Upbound Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	1856.682	/	3276.081
	=	0.57

Upbound Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1728.101	/	3128.117
	=	0.55

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.55 mean?

Upbound Group (UPBD) has a LT-Debt-to-Total-Asset of 0.55 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Upbound Group and its competitors.

Is Upbound Group's LT-Debt-to-Total-Asset too high?

Upbound Group's current LT-Debt-to-Total-Asset is 0.55. 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 LT-Debt-to-Total-Asset compare to CXM and WLTH?

Upbound Group's LT-Debt-to-Total-Asset of 0.55 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 LT-Debt-to-Total-Asset for a Software company?

A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Upbound Group and its competitors. Upbound Group's current LT-Debt-to-Total-Asset is 0.55. 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 $21.05 — trading 33.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.55. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Upbound Group (UPBD), the current LT-Debt-to-Total-Asset is 0.55 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 $21.05 is trading 33.9% below its estimated GF Value™ of $31.83. GuruFocus considers Upbound Group to be Significantly Undervalued.

Key valuation signals for UPBD:

LT-Debt-to-Total-Asset: 0.55
GF Value™: $31.83 vs. price of $21.05 (33.9% 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

Industry Technology Software

Comparable Companies CXM WLTH APPS BLKB DFIN AMPL VIA MITK RDVT GTM XTER:SAP UBER SHOP CRM CDNS NOW ADP SNOW DDOG ADBE

Other Exchanges RAC:Germany

Address 5501 Headquarters Drive, Plano, TX, USA, 75024

Website https://www.upbound.com

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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$21.05

Price

$31.83

GF Value

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