Upbound GroupUPBD +3.13%74 Altman Z2-Score is 1.64 as of Jun. 27, 2026, which is 1% below its 10-year median of 1.66. 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 2,822 Software companies, Upbound Group ranks worse than 62.69% on this metric.
Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.
Upbound Group has a Altman Z2-Score of 1.64, indicating it is in Grey Zones. This implies that Upbound Group is in some kind of financial stress. If it is below 1.1, the company may face bankrupcy risk.
The zones of discrimination were as such:
When Altman Z2-Score <= 1.1, it is in Distress Zones.
When Altman Z2-Score >= 2.6, it is in Safe Zones.
When Altman Z2-Score is between 1.1 and 2.6, it is in Grey Zones.
The historical rank and industry rank for Upbound Group's Altman Z2-Score or its related term are showing as below:
UPBD'
s Altman Z2-Score Range Over the Past 10 Years
Min: -2.41 Med: 1.66 Max: 3.52
Current: 1.64
During the past 13 years, Upbound Group's highest Altman Z2-Score was 3.52. The lowest was -2.41. And the median was 1.66.
Upbound Group (NAS:UPBD) Altman Z2-Score Explanation
The original Z-Score model was based on publicly traded manufacturing companies while the Z2-Score, also known as Z"-score can be used for any type of company excluding property/financial companies. Both Z-Score and Z2-Score describes the financial health of a company, and its likelihood of financial distress.
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
Altman Z2-Score does not apply to financial companies.
Upbound Group Altman Z2-Score Related Terms
Upbound Group Altman Z2-Score Historical Data
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The historical data trend for Upbound Group's Altman Z2-Score 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 APPS, AMPL, VIA: Altman Z2-Score Comparison
For the Software - Application subindustry, Upbound Group's Altman Z2-Score, along with its competitors' market caps and Altman Z2-Score 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 Altman Z2-Score vs Software Industry
For the Software industry and Technology sector, Upbound Group's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where Upbound Group's Altman Z2-Score falls into.
Altman 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.
Z2-Score, also known as Z"-Score is the Z-Score for non-manufacturing companies excluding property/financial companies.
Upbound Group's Altman Z2-Score for today is calculated with this formula:
Z
=
6.56
*
X1
+
3.26
*
X2
+
6.72
*
X3
+
1.05
*
X4_2
=
6.56
*
-0.0386
+
3.26
*
0.3297
+
6.72
*
0.0754
+
1.05
*
0.2967
=
1.64
* 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. GuruFocus does not calculate Altman Z2-Score when X4_2 value is 0.
Upbound Group (UPBD) has a Altman Z2-Score of 1.64 as of Jun. 27, 2026. Z2-Score is the Z-Score for non-manufacturing companies excluding property/financial companies, which measures a company's bankruptcy risk. View historical data on Upbound Group and its competitors. This is near median its historical median of 1.66. According to the industry distribution chart, Upbound Group ranks #1769 out of 2822 companies in the Software industry, placing it in the top 62.7%.
Is Upbound Group's Altman Z2-Score too high?
Upbound Group's current Altman Z2-Score of 1.64 is near median its 10-year median of 1.66. The Software industry median Altman Z2-Score is 3.07. Upbound Group's value of 1.64 is 46.6% below this industry median. Based on the distribution chart, Upbound Group ranks #1769 out of 2822 companies in the Software industry, which is below 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 Altman Z2-Score compare to APPS and AMPL?
According to the Software industry distribution chart, Upbound Group ranks #1769 out of 2822 companies for Altman Z2-Score. This places Upbound Group in the lower half of its industry. The industry median Altman Z2-Score is 3.07. Upbound Group's value of 1.64 is 46.6% below this benchmark. While the company's 10-year median is 1.66 vs. the industry median of 3.07, Upbound Group has consistently been below 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 Altman Z2-Score for a Software company?
The median Altman Z2-Score among Software companies is 3.07, based on 2,822 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z2-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z2-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Upbound Group's current Altman Z2-Score of 1.64 is 46.6% below 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 Altman Z2-Score mean?
A high Altman Z2-Score can signal that a stock is expensive relative to its fundamentals. Z2-Score is the Z-Score for non-manufacturing companies excluding property/financial companies, which measures a company's bankruptcy risk. View historical data on Upbound Group and its competitors. For the Software industry, the median Altman Z2-Score is 3.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upbound Group's current Altman Z2-Score is 1.64, which is near median its own 10-year median of 1.66. 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 $20.43 — trading 35.8% below its estimated fair value. The current Altman Z2-Score is 1.64, which is near median its 10-year median of 1.66 and 46.6% below the Software industry median of 3.07. 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 Altman Z2-Score calculated?
Altman Z2-Score is calculated from a company's financial statements. For Upbound Group (UPBD), the current Altman Z2-Score is 1.64 as of Jun. 27, 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 $20.43 is trading 35.8% below its estimated GF Value™ of $31.83.
GuruFocus considers Upbound Group to be Significantly Undervalued.
Key valuation signals for UPBD:
Altman Z2-Score: 1.64 (near median its 10-year median of 1.66)
GF Value™: $31.83 vs. price of $20.43 (35.8% below fair value)
Industry Position: 46.6% below the Software median (#1769 of 2822)
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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