UPBD (Upbound Group) Moat Score: 4/10 (As of Jun. 29, 2026)


UPBD Upbound Group Inc UPBD
74 GF Score
Price $20.82
GF Value $31.83
Valuation Significantly Undervalued
! 7 Warning Signs
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What is Upbound Group Moat Score?

Upbound Group UPBD +1.91% 74 Moat Score is 4 as of Jun. 29, 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. Among 2,844 Software companies, Upbound Group ranks better than 90.15% on this metric.

Upbound Group has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Upbound Group has Narrow Moat: Upbound Group has a modest moat due to its niche focus and customer relationships in the rent-to-own market. It benefits from some brand recognition and customer loyalty, but lacks significant cost advantages or regulatory barriers for a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Upbound Group might have Narrow Moat - Discernible but modest moat.

Upbound Group  (NAS:UPBD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Upbound Group Moat Score Related Terms

UPBD vs CXM, WLTH, APPS: Moat Score Comparison

For the Software - Application subindustry, Upbound Group's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Software Industry

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

* The bar in red indicates where Upbound Group's Moat Score falls into.


UPBD
74GF Score
Upbound Group Inc UPBD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Upbound Group (UPBD) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Upbound Group ranks #280 out of 2844 companies in the Software industry, placing it in the top 9.8%.
Is Upbound Group's Moat Score too high?
Upbound Group's current Moat Score is 4. Based on the distribution chart, Upbound Group ranks #280 out of 2844 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 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's Moat Score compare to CXM and WLTH?
According to the Software industry distribution chart, Upbound Group ranks #280 out of 2844 companies for Moat Score. This places Upbound Group in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Upbound Group's current Moat Score is 4. 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 $20.82 — trading 34.6% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Upbound Group (UPBD), the current Moat Score is 4 as of Jun. 29, 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 $20.82 is trading 34.6% below its estimated GF Value™ of $31.83. GuruFocus considers Upbound Group to be Significantly Undervalued.

Key valuation signals for UPBD:

  • Moat Score: 4
  • GF Value™: $31.83 vs. price of $20.82 (34.6% 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

Other Exchanges RAC:Germany
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, 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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$20.82
Price
$31.83
GF Value