Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Upbound Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was -135.25%.
The industry rank for Upbound Group's 3-Year RORE % or its related term are showing as below:
UPBD's 3-Year RORE % is ranked worse than 93.58% of 2540
companies
in the Software industry
Industry Median: 2.99
vs UPBD: -135.25
Upbound Group (NAS:UPBD) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Upbound Group 3-Year RORE % Related Terms
Upbound Group 3-Year RORE % Historical Data
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The historical data trend for Upbound Group's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Software Industry
For the Software industry and Technology sector, Upbound Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Upbound Group's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Upbound Group (UPBD) has a 3-Year RORE % of -135.25 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Upbound Group and its competitors. According to the industry distribution chart, Upbound Group ranks #2377 out of 2540 companies in the Software industry, placing it in the top 93.6%.
Is Upbound Group's 3-Year RORE % too high?
Upbound Group's current 3-Year RORE % is -135.25. Based on the distribution chart, Upbound Group ranks #2377 out of 2540 companies in the Software industry, which is in the bottom quartile 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 3-Year RORE % compare to CXM and WLTH?
According to the Software industry distribution chart, Upbound Group ranks #2377 out of 2540 companies for 3-Year RORE %. This places Upbound Group in the lower half of its industry. The industry median 3-Year RORE % is 2.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Software company?
The median 3-Year RORE % among Software companies is 2.99, based on 2,540 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Upbound Group and its competitors. For the Software industry, the median 3-Year RORE % is 2.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current 3-Year RORE % is -135.25. 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 3-Year RORE % is -135.25. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Upbound Group (UPBD), the current 3-Year RORE % is -135.25 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.
Key valuation signals for UPBD:
3-Year RORE %: -135.25
GF Value™: $31.84 vs. price of $19.89 (37.5% below fair value)
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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