17.32 USD
-0.46 (-2.59%)
17.32 USD
0 (0%)
UPBD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 123 industry peers in the Specialty Retail industry. There are concerns on the financial health of UPBD while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on UPBD.
1. Profitability
1.1 Basic Checks
In the past year UPBD was profitable.
UPBD had a positive operating cash flow in the past year.
UPBD had positive earnings in 4 of the past 5 years.
Each year in the past 5 years UPBD had a positive operating cash flow.
1.2 Ratios
UPBD has a Return On Assets (2.63%) which is comparable to the rest of the industry.
UPBD's Return On Equity of 12.29% is fine compared to the rest of the industry. UPBD outperforms 70.16% of its industry peers.
UPBD has a better Return On Invested Capital (10.19%) than 76.61% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UPBD is in line with the industry average of 12.18%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROIC | 10.19% |
ROA(3y)1.64%
ROA(5y)4.26%
ROE(3y)7.02%
ROE(5y)16.5%
ROIC(3y)11.93%
ROIC(5y)14.36%
1.3 Margins
With a Profit Margin value of 1.85%, UPBD perfoms like the industry average, outperforming 59.68% of the companies in the same industry.
In the last couple of years the Profit Margin of UPBD has declined.
UPBD's Operating Margin of 6.66% is fine compared to the rest of the industry. UPBD outperforms 74.19% of its industry peers.
In the last couple of years the Operating Margin of UPBD has declined.
With a decent Gross Margin value of 47.91%, UPBD is doing good in the industry, outperforming 73.39% of the companies in the same industry.
UPBD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.66% | ||
| PM (TTM) | 1.85% | ||
| GM | 47.91% |
OM growth 3Y-9.14%
OM growth 5Y-11.16%
PM growth 3Y-0.98%
PM growth 5Y-15.15%
GM growth 3Y-0.42%
GM growth 5Y-4.8%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), UPBD is creating some value.
UPBD has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UPBD has about the same amount of shares outstanding.
UPBD has a worse debt/assets ratio than last year.
2.2 Solvency
UPBD has an Altman-Z score of 2.68. This is not the best score and indicates that UPBD is in the grey zone with still only limited risk for bankruptcy at the moment.
UPBD's Altman-Z score of 2.68 is fine compared to the rest of the industry. UPBD outperforms 60.48% of its industry peers.
The Debt to FCF ratio of UPBD is 10.99, which is on the high side as it means it would take UPBD, 10.99 years of fcf income to pay off all of its debts.
UPBD has a Debt to FCF ratio (10.99) which is in line with its industry peers.
A Debt/Equity ratio of 2.25 is on the high side and indicates that UPBD has dependencies on debt financing.
The Debt to Equity ratio of UPBD (2.25) is worse than 72.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.68 |
ROIC/WACC0.99
WACC10.31%
2.3 Liquidity
UPBD has a Current Ratio of 1.81. This is a normal value and indicates that UPBD is financially healthy and should not expect problems in meeting its short term obligations.
UPBD has a better Current ratio (1.81) than 75.81% of its industry peers.
UPBD has a Quick Ratio of 1.81. This is a bad value and indicates that UPBD is not financially healthy enough and could expect problems in meeting its short term obligations.
UPBD's Quick ratio of 0.37 is on the low side compared to the rest of the industry. UPBD is outperformed by 65.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 |
3. Growth
3.1 Past
UPBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.16%, which is quite good.
UPBD shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
Looking at the last year, UPBD shows a small growth in Revenue. The Revenue has grown by 7.48% in the last year.
UPBD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.11% yearly.
EPS 1Y (TTM)16.16%
EPS 3Y-11.63%
EPS 5Y11.32%
EPS Q2Q%5.26%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
3.2 Future
UPBD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.46% yearly.
The Revenue is expected to grow by 5.79% on average over the next years.
EPS Next Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
Revenue Next 5Y5.79%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
UPBD is valuated cheaply with a Price/Earnings ratio of 4.15.
UPBD's Price/Earnings ratio is rather cheap when compared to the industry. UPBD is cheaper than 98.39% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. UPBD is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.51, which indicates a rather cheap valuation of UPBD.
UPBD's Price/Forward Earnings ratio is rather cheap when compared to the industry. UPBD is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UPBD to the average of the S&P500 Index (23.84), we can say UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.15 | ||
| Fwd PE | 3.51 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaply inside the industry as 83.06% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, UPBD is valued cheaply inside the industry as 92.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.13 | ||
| EV/EBITDA | 5.66 |
4.3 Compensation for Growth
UPBD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UPBD's earnings are expected to grow with 16.97% in the coming years.
PEG (NY)0.45
PEG (5Y)0.37
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
UPBD has a Yearly Dividend Yield of 8.77%, which is a nice return.
The stock price of UPBD dropped by -34.79% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 1.98, UPBD pays a better dividend. On top of this UPBD pays more dividend than 96.77% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, UPBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.77% |
5.2 History
On average, the dividend of UPBD grows each year by 42.90%, which is quite nice.
UPBD has paid a dividend for at least 10 years, which is a reliable track record.
UPBD has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)42.9%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
UPBD pays out 101.77% of its income as dividend. This is not a sustainable payout ratio.
The dividend of UPBD is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP101.77%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
17.32
-0.46 (-2.59%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.79%
Inst Owner ChangeN/A
Ins Owners7.47%
Ins Owner Change4.63%
Market Cap1.00B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (88.45%)
Short Float %7.85%
Short Ratio5.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.77% |
Yearly Dividend1.51
Dividend Growth(5Y)42.9%
DP101.77%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.86%
Min EPS beat(2)-2.28%
Max EPS beat(2)3.99%
EPS beat(4)2
Avg EPS beat(4)1.23%
Min EPS beat(4)-2.28%
Max EPS beat(4)3.99%
EPS beat(8)5
Avg EPS beat(8)0.95%
EPS beat(12)9
Avg EPS beat(12)7.83%
EPS beat(16)12
Avg EPS beat(16)4.98%
Revenue beat(2)0
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)-0.81%
Revenue beat(4)1
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-2.37%
Max Revenue beat(4)2.29%
Revenue beat(8)5
Avg Revenue beat(8)0.56%
Revenue beat(12)6
Avg Revenue beat(12)0.03%
Revenue beat(16)7
Avg Revenue beat(16)-0.18%
PT rev (1m)-12.03%
PT rev (3m)-7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.48%
EPS NY rev (1m)5.99%
EPS NY rev (3m)-3.06%
Revenue NQ rev (1m)-0.99%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.15 | ||
| Fwd PE | 3.51 | ||
| P/S | 0.22 | ||
| P/FCF | 7.13 | ||
| P/OCF | 4.96 | ||
| P/B | 1.46 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.66 |
EPS(TTM)4.17
EY24.08%
EPS(NY)4.94
Fwd EY28.52%
FCF(TTM)2.43
FCFY14.02%
OCF(TTM)3.49
OCFY20.14%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.45
PEG (5Y)0.37
Graham Number33.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROCE | 12.89% | ||
| ROIC | 10.19% | ||
| ROICexc | 10.67% | ||
| ROICexgc | 17.2% | ||
| OM | 6.66% | ||
| PM (TTM) | 1.85% | ||
| GM | 47.91% | ||
| FCFM | 3.07% |
ROA(3y)1.64%
ROA(5y)4.26%
ROE(3y)7.02%
ROE(5y)16.5%
ROIC(3y)11.93%
ROIC(5y)14.36%
ROICexc(3y)12.54%
ROICexc(5y)15.63%
ROICexgc(3y)18.23%
ROICexgc(5y)21.19%
ROCE(3y)15.11%
ROCE(5y)18.18%
ROICexgc growth 3Y-10.3%
ROICexgc growth 5Y-13.65%
ROICexc growth 3Y-8%
ROICexc growth 5Y-17.42%
OM growth 3Y-9.14%
OM growth 5Y-11.16%
PM growth 3Y-0.98%
PM growth 5Y-15.15%
GM growth 3Y-0.42%
GM growth 5Y-4.8%
F-Score3
Asset Turnover1.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Debt/EBITDA | 3.59 | ||
| Cap/Depr | 48.61% | ||
| Cap/Sales | 1.34% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 46.85% | ||
| Profit Quality | 166.47% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 | ||
| Altman-Z | 2.68 |
F-Score3
WACC10.31%
ROIC/WACC0.99
Cap/Depr(3y)44.47%
Cap/Depr(5y)46.21%
Cap/Sales(3y)1.36%
Cap/Sales(5y)1.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.16%
EPS 3Y-11.63%
EPS 5Y11.32%
EPS Q2Q%5.26%
EPS Next Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
Revenue Next 5Y5.79%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year46.36%
EBIT Next 3Y23.64%
EBIT Next 5Y14.06%
FCF growth 1Y-38.35%
FCF growth 3Y-47.24%
FCF growth 5Y-24.25%
OCF growth 1Y-26.88%
OCF growth 3Y-35.61%
OCF growth 5Y-13.43%
UPBOUND GROUP INC / UPBD FAQ
What is the fundamental rating for UPBD stock?
ChartMill assigns a fundamental rating of 5 / 10 to UPBD.
What is the valuation status for UPBD stock?
ChartMill assigns a valuation rating of 9 / 10 to UPBOUND GROUP INC (UPBD). This can be considered as Undervalued.
How profitable is UPBOUND GROUP INC (UPBD) stock?
UPBOUND GROUP INC (UPBD) has a profitability rating of 5 / 10.
What is the valuation of UPBOUND GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UPBOUND GROUP INC (UPBD) is 4.15 and the Price/Book (PB) ratio is 1.46.
Is the dividend of UPBOUND GROUP INC sustainable?
The dividend rating of UPBOUND GROUP INC (UPBD) is 6 / 10 and the dividend payout ratio is 101.77%.