Upbound Group (STU:RAC) Quality Rank

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:RAC Upbound Group Inc STU:RAC
71 GF Score
Price €19.12
GF Value €27.72
Valuation Significantly Undervalued
! 7 Warning Signs
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What is Upbound Group Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Upbound Group Quality Rank Related Terms

STU:RAC
71GF Score
Upbound Group Inc STU:RAC
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Upbound Group (STU:RAC) Overvalued in 2026?

Based on GuruFocus' analysis, Upbound Group stock appears to be undervalued. The current stock price of €19.12 is trading 31% below its estimated GF Value™ of €27.72. GuruFocus considers Upbound Group to be Significantly Undervalued.

Key valuation signals for STU:RAC:

  • Quality Rank:
  • GF Value™: €27.72 vs. price of €19.12 (31% below fair value)
  • GF Score™: 71/100 with 7 warning signs

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 Business Description

Other Exchanges UPBD:USA
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.
71GF Score

Get the complete analysis for STU:RAC

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€19.12
Price
€27.72
GF Value