Upbound GroupUPBD -4.05%74 Return-on-Tangible-Equity is Negative Tangible Equity% as of Mar. 2026. GuruFocus rates UPBD with a GF Score™ of 74/100 and a GF Value™ of $31.84 (Significantly Undervalued). The stock has 7 warning signs investors should review. Among 2,470 Software companies, Upbound Group ranks better than 99.92% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Upbound Group's annualized net income for the quarter that ended in Mar. 2026 was $143 Mil. Upbound Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $-124 Mil. Therefore, Upbound Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was Negative Tangible Equity%.
The historical rank and industry rank for Upbound Group's Return-on-Tangible-Equity or its related term are showing as below:
UPBD'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -56.24 Med: 46.56 Max: 467.96
Current: Negative Tangible Equity
During the past 13 years, Upbound Group's highest Return-on-Tangible-Equity was 467.96%. The lowest was -56.24%. And the median was 46.56%.
UPBD's Return-on-Tangible-Equity is ranked better than 99.92% of 2470
companies
in the Software industry
Industry Median: 8.77
vs UPBD: Negative Tangible Equity
Upbound Group (NAS:UPBD) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Upbound Group Return-on-Tangible-Equity Related Terms
Upbound Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Upbound Group's Return-on-Tangible-Equity 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.
UPBD vs CXM, WLTH, APPS: Return-on-Tangible-Equity Comparison
For the Software - Application subindustry, Upbound Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Upbound Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Upbound Group's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of Negative Tangible Equity% mean?
Upbound Group (UPBD) has a Return-on-Tangible-Equity of Negative Tangible Equity% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Upbound Group and its competitors. According to the industry distribution chart, Upbound Group ranks #2 out of 2470 companies in the Software industry, placing it in the top 0.099999999999994%.
Is Upbound Group's Return-on-Tangible-Equity too high?
Upbound Group's current Return-on-Tangible-Equity is Negative Tangible Equity%. Based on the distribution chart, Upbound Group ranks #2 out of 2470 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 Return-on-Tangible-Equity compare to CXM and WLTH?
According to the Software industry distribution chart, Upbound Group ranks #2 out of 2470 companies for Return-on-Tangible-Equity. This places Upbound Group in the top 0% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 8.77. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.77, based on 2,470 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Upbound Group and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current Return-on-Tangible-Equity is Negative Tangible Equity%. 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 $31.84, compared to a current price of $19.89 — trading 37.5% below its estimated fair value. The current Return-on-Tangible-Equity is Negative Tangible Equity%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Upbound Group (UPBD), the current Return-on-Tangible-Equity is Negative Tangible Equity% 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 $19.89 is trading 37.5% below its estimated GF Value™ of $31.84.
GuruFocus considers Upbound Group to be Significantly Undervalued.
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 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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