Upbound Group
UPBD
15.51
-0.11
-0.70%
Upbound Group
US · UPBD
#3306 by market cap
15.51
-0.11
-0.70%
Live - 5344 symbols - heartbeat 128s ago
· 2026-10-08 10:10
Pre-market
15.52
-0.64%
After-hours
15.60
-0.13%
- Market cap
- 904.22M
- P/E (TTM)i
- 10.07
- P/Bi
- 1.23
- EPSi
- 1.25
- Div yieldi
- 10.06%
- 52W posi
- 13%
Reader sentiment
Are you bullish or bearish on UPBD?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.31, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +8.67% YoY
Margins
- Gross margin
- 48.39%
- Operating margin
- 4.76%
- Net margin
- 1.56%
Key ratios & quality
- PEG ratioi
- 0.12
- Altman Z-Scorei
- 2.31
PEG uses trailing P/E against the 3-year net income growth rate (80.97%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2.66B | 2.67B | 2.81B | 4.58B | 4.25B | 3.99B | 4.32B | 4.70B |
| Gross profit | 1.69B | 1.64B | 1.67B | 2.24B | 2.08B | 2.02B | 2.08B | 2.27B |
| Selling & admin expenses | 846.87M | 772.73M | 732.23M | 839.66M | 820.81M | 815.24M | 821.62M | 834.26M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 56.14M | 253.86M | 237.34M | 280.54M | 148.54M | 162.87M | 291.63M | 223.35M |
| Pretax profit | 13.84M | 223.78M | 222.78M | 194.30M | 61.47M | 52.87M | 177.54M | 108.09M |
| Tax | 5.35M | 50.24M | 14.66M | 59.36M | 49.11M | 58.05M | 54.06M | 34.85M |
| Net profit | 8.49M | 173.55M | 208.12M | 134.94M | 12.36M | -5.18M | 123.48M | 73.24M |
| Basic EPS | 0 | 3 | 4 | 2 | 0 | 0 | 2 | 1 |
| Diluted EPS | 0.16 | 3.10 | 3.73 | 2.02 | 0.21 | -0.09 | 2.21 | 1.25 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 1.18B | 1.16B | 1.16B | 1.20B | 1.22B | 1.16B |
| Gross profit | 550.13M | 571.83M | 563.08M | 586.68M | 586.46M | 594.84M |
| Selling & admin expenses | 212.95M | 212.50M | 201.97M | 206.83M | 206.20M | 211.97M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 62.62M | 50.73M | 52.75M | 57.25M | 77.44M | 54.26M |
| Pretax profit | 35.51M | 22.85M | 19.87M | 29.86M | 51.27M | 29.26M |
| Tax | 10.72M | 7.36M | 6.65M | 10.12M | 15.48M | 7.67M |
| Net profit | 24.79M | 15.49M | 13.22M | 19.74M | 35.79M | 21.58M |
| Basic EPS | 0 | 0 | 0 | 0 | 1 | 0 |
| Diluted EPS | 0.42 | 0.26 | 0.22 | 0.34 | 0.61 | 0.37 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 280.22M | 205.54M | 304.90M | 241.12M | 309.06M | 261.37M | 277.03M | 481.94M |
| Cash & ST investments | 155.39M | 70.49M | 159.45M | 108.33M | 144.14M | 93.71M | 60.86M | 120.53M |
| Inventory | 3.83M | 4.88M | 5.44M | 6.41M | 6.99M | 6.40M | 5.52M | 5.21M |
| Total assets | 1.40B | 1.58B | 1.75B | 2.99B | 2.76B | 2.72B | 2.65B | 3.28B |
| Total current liabilities | 383.32M | 395.64M | 449.18M | 441.28M | 445.17M | 452.25M | 371.34M | 477.67M |
| Short-term debt | -- | -- | -- | -- | -- | -- | -- | -- |
| Long-term debt | 540.04M | 230.91M | 190.49M | 1.57B | 1.37B | 1.31B | 1.31B | 1.57B |
| Total liabilities | 1,110,400,000.00 | 1,123,835,000.00 | 1,158,900,000.00 | 2,480,051,000.00 | 2,238,473,000.00 | 2,161,058,000.00 | 2,020,678,000.00 | 2,580,341,000.00 |
| Total equity | 286.52M | 458.96M | 592.08M | 513.28M | 525.15M | 560.37M | 628.98M | 695.74M |
| Retained earnings | 805.92M | 947.88M | 1.09B | 1.14B | 1.08B | 994.89M | 1.04B | 1.02B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 348.02M | 383.25M | 496.20M | 481.94M | 441.97M | 466.44M |
| Cash & ST investments | 107.33M | 106.84M | 107.02M | 120.53M | 98.41M | 105.30M |
| Inventory | 5.06M | 4.60M | 5.36M | 5.21M | 5.05M | 4.40M |
| Total assets | 3.04B | 3.10B | 3.21B | 3.28B | 3.13B | 3.10B |
| Total current liabilities | 503.96M | 526.56M | 560.51M | 477.67M | 562.81M | 534.04M |
| Short-term debt | -- | -- | -- | -- | -- | -- |
| Long-term debt | 1.53B | 1.57B | 1.55B | 1.57B | 1.44B | 1.42B |
| Total liabilities | 2,363,917,000.00 | 2,409,892,000.00 | 2,524,330,000.00 | 2,580,341,000.00 | 2,412,385,000.00 | 2,370,409,000.00 |
| Total equity | 679.21M | 685.55M | 687.30M | 695.74M | 715.73M | 733.35M |
| Retained earnings | 1.04B | 1.03B | 1.02B | 1.02B | 1.03B | 1.03B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 227.51M | 215.42M | 236.50M | 392.30M | 468.46M | 200.29M | 104.72M | 305.57M |
| Depreciation & amortization | 685.59M | 680.67M | 690.36M | 1.39B | 1.36B | 1.29B | 1.42B | 1.51B |
| Free cash flow | 199.54M | 194.26M | 201.96M | 329.85M | 407.07M | 146.89M | 48.45M | 238.71M |
| Dividends paid | 0 | -13.71M | -63.12M | -71.51M | -79.19M | -83.06M | -82.30M | -87.87M |
| Stock buybacks / issuance | 0 | -1.29M | -26.57M | -390.11M | -75.05M | -50.00M | 0 | 0 |
| Ending cash balance | 155.39M | 70.49M | 159.45M | 108.33M | 144.14M | 93.71M | 60.86M | 120.53M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 147.99M | 26.09M | 89.91M | 41.58M | 170.66M | 123.30M |
| Depreciation & amortization | 369.36M | 376.88M | 382.82M | 385.72M | 378.78M | 370.96M |
| Free cash flow | 137.42M | 7.84M | 69.40M | 24.05M | 154.70M | 107.80M |
| Dividends paid | -21.39M | -22.09M | -22.21M | -22.17M | -23.11M | -22.89M |
| Stock buybacks / issuance | -- | -- | -- | -- | -- | -- |
| Ending cash balance | 107.33M | 106.84M | 107.02M | 120.53M | 98.41M | 105.30M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 3.04 | 46.56 | 39.60 | 24.42 | 2.38 | -0.95 | 20.76 | 11.06 |
| ROA %i | 0.60 | 11.65 | 12.49 | 5.69 | 0.43 | -0.19 | 4.60 | 2.47 |
| ROIC %i | 3.86 | 21.67 | 21.71 | 10.67 | 3.36 | 3.51 | 9.07 | 6.22 |
| 5-year avg ROE %i | -25.48 | -17.59 | 11.85 | 23.22 | 23.20 | 22.40 | 17.24 | 11.53 |
| EBIT margin %i | 2.14 | 9.54 | 8.46 | 5.79 | 3.51 | 4.17 | 6.67 | 4.71 |
| FCF / sales %i | 7.50 | 7.28 | 7.18 | 7.20 | 9.59 | 3.68 | 1.12 | 5.08 |
| Current ratioi | 0.73 | 0.52 | 0.68 | 0.55 | 0.69 | 0.58 | 0.75 | 1.01 |
| Quick ratioi | 0.59 | 0.39 | 0.56 | 0.53 | 0.58 | 0.45 | 0.59 | 0.68 |
| Debt / assetsi | 38.66 | 32.60 | 27.18 | 62.40 | 60.59 | 58.79 | 59.73 | 56.67 |
| LT debt / equityi | 188.49 | 112.42 | 80.37 | 363.88 | 318.85 | 285.54 | 251.61 | 266.86 |
| Interest coveragei | 1.32 | 8.21 | 15.54 | 3.74 | 1.70 | 1.47 | 2.61 | 1.96 |
| Revenue CAGR (3Y) %i | -6.73 | -3.42 | 1.36 | 19.88 | 16.72 | 12.36 | -1.95 | 3.41 |
| Net income CAGR (3Y) %i | -- | -- | 215.09 | 151.41 | -58.55 | -- | -2.92 | 80.97 |
| FCF CAGR (3Y) %i | 9.95 | -12.80 | 64.86 | 18.24 | 27.97 | -10.07 | -47.24 | -16.30 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 19.18 | 15.93 | 13.01 | 11.06 | 12.08 | 12.73 |
| ROA %i | 4.25 | 3.57 | 2.92 | 2.47 | 2.73 | 2.91 |
| ROIC %i | 8.23 | 7.23 | 6.59 | 6.22 | 6.43 | 6.60 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 6.56 | 5.92 | 5.31 | 4.71 | 4.98 | 5.04 |
| FCF / sales %i | 3.23 | 2.92 | 3.07 | 5.08 | 5.40 | 7.50 |
| Current ratioi | 0.69 | 0.73 | 0.89 | 1.01 | 0.79 | 0.87 |
| Quick ratioi | 0.58 | 0.56 | 0.55 | 0.68 | 0.52 | 0.58 |
| Debt / assetsi | 59.43 | 59.70 | 57.06 | 56.67 | 55.24 | 55.04 |
| LT debt / equityi | 266.26 | 269.55 | 266.65 | 266.86 | 241.45 | 232.93 |
| Interest coveragei | 2.67 | 2.45 | 2.20 | 1.96 | 2.11 | 2.19 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Acima is the largest reported line at 51.88% of revenue, across 4 reported segments.
- Rent-A-Center follows at 40.09%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Acima51.88%
Rent-A-Center40.09%
Brigit6.12%
Mexico1.92%
Quote time 2026-10-08 10:10:32 · For reference only, not investment advice and not tailored to your situation.