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Upbound Group has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Upbound Group's Interest Coverage for the quarter that ended in Jun. 2026 was 3.49.
Upbound Group's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.37.
As of today, Upbound Group's Altman Z-Score is 2.49.
Upbound Group (STU:RAC) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Upbound Group has the Financial Strength Rank of 4.
Upbound Group Financial Strength Related Terms
STU:RAC vs PD, RDVT, DFIN: Financial Strength Comparison
For the Software - Application subindustry, Upbound Group's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Software Industry
For the Software industry and Technology sector, Upbound Group's Financial Strength distribution charts can be found below:
* The bar in red indicates where Upbound Group's Financial Strength 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:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Upbound Group has a Z-score of 2.49, indicating it is in Grey Zones. This implies that Upbound Group is in some kind of financial stress. If it is below 1.81, the company may faces bankrupcy risk.
Warning Sign:
Altman Z-score of 2.49 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
* 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 (STU:RAC) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Upbound Group and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, Upbound Group's Financial Strength has ranged from 4.00 to 8.00.
Is Upbound Group's Financial Strength too high?
Upbound Group's current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 8.00. Overall, Upbound Group has a GF Score™ of 71/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upbound Group's Financial Strength compare to PD and RDVT?
Upbound Group's Financial Strength of 4 can be compared against companies in the Software industry. Historically, Upbound Group's own Financial Strength has ranged from 4.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Software company?
A good Financial Strength depends on the Software industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Upbound Group and its competitors. Upbound Group's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. 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 (STU:RAC) is currently considered Significantly Undervalued. The stock's GF Value™ is €24.79, compared to a current price of €14.66 — trading 40.9% below its estimated fair value. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. Upbound Group's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Upbound Group (STU:RAC), the current Financial Strength is 4 as of Jun. 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 (STU:RAC) Overvalued in 2026?
Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued.
The current stock price of €14.66 is trading 40.9% below its estimated GF Value™ of €24.79.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for STU:RAC:
Financial Strength: 4 (20% below median its 10-year median of 5.00)
GF Value™: €24.79 vs. price of €14.66 (40.9% below fair value)
No single metric tells the full story. See the STU:RAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upbound Group Inc., formerly Rent-A-Center Inc., is a US-based provider of consumer financial products centered on lease-to-own and related transaction models. Its Rent-A-Center segment operates lease-to-own stores in the United States, Puerto Rico, and Mexico, offering furniture, appliances, electronics, and computers under rental-purchase agreements. The Acima segment provides virtual and point-of-sale lease-to-own solutions through partnerships with retailers, serving consumers who lack access to traditional financing. The company also operates Brigit, a financial health app offering cash advances, credit building, and budgeting tools. Revenue comes primarily from lease and rental payments, plus fees and ancillary products, with Acima contributing the largest share. Upbound serves primarily lower- and middle-income consumers across North America, distributing through company-operated stores, e-commerce, and merchant partner channels.
71GF Score
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