Upbound GroupUPBD +1.28%74 ROE % is 20.28% as of Mar. 2026, which is 188% above its 10-year median of 7.05. 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 2,681 Software companies, Upbound Group ranks better than 68.15% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Upbound Group's annualized net income for the quarter that ended in Mar. 2026 was $143 Mil. Upbound Group's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $706 Mil. Therefore, Upbound Group's annualized ROE % for the quarter that ended in Mar. 2026 was 20.28%.
The historical rank and industry rank for Upbound Group's ROE % or its related term are showing as below:
UPBD'
s ROE % Range Over the Past 10 Years
Min: -32.44 Med: 7.05 Max: 46.56
Current: 12.16
During the past 13 years, Upbound Group's highest ROE % was 46.56%. The lowest was -32.44%. And the median was 7.05%.
UPBD's ROE % is ranked better than 68.15% of 2681
companies
in the Software industry
Industry Median: 4.71
vs UPBD: 12.16
Upbound Group (NAS:UPBD) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Upbound Group ROE % Related Terms
Upbound Group ROE % Historical Data
* Premium members only.
The historical data trend for Upbound Group's ROE % 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.
For the Software - Application subindustry, Upbound Group's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Software Industry
For the Software industry and Technology sector, Upbound Group's ROE % distribution charts can be found below:
* The bar in red indicates where Upbound Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Upbound Group (UPBD) has a ROE % of 20.28% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Upbound Group and its competitors. This is 188% above median its historical median of 7.05. According to the industry distribution chart, Upbound Group ranks #854 out of 2681 companies in the Software industry, placing it in the top 31.9%.
Is Upbound Group's ROE % too high?
Upbound Group's current ROE % of 20.28% is 188% above median its 10-year median of 7.05. The Software industry median ROE % is 4.71. Upbound Group's value of 20.28% is 330.6% above this industry median. Based on the distribution chart, Upbound Group ranks #854 out of 2681 companies in the Software industry, which is above the industry midpoint. 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 ROE % compare to APPS and AMPL?
According to the Software industry distribution chart, Upbound Group ranks #854 out of 2681 companies for ROE %. This puts Upbound Group in the upper half of its industry. The industry median ROE % is 4.71. Upbound Group's value of 20.28% is 330.6% above this benchmark. While the company's 10-year median is 7.05 vs. the industry median of 4.71, Upbound Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Software company?
The median ROE % among Software companies is 4.71, based on 2,681 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current ROE % of 20.28% is 330.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Upbound Group and its competitors. For the Software industry, the median ROE % is 4.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current ROE % is 20.28%, which is 188% above median its own 10-year median of 7.05. 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 $19.84 — trading 37.7% below its estimated fair value. The current ROE % is 20.28%, which is 188% above median its 10-year median of 7.05 and 330.6% above the Software industry median of 4.71. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Upbound Group (UPBD), the current ROE % is 20.28% 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 $19.84 is trading 37.7% below its estimated GF Value™ of $31.83.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
ROE %: 20.28% (188% above median its 10-year median of 7.05)
GF Value™: $31.83 vs. price of $19.84 (37.7% below fair value)
Industry Position: 330.6% above the Software median (#854 of 2681)
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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