19.77 USD
+0.75 (+3.94%)
Taking everything into account, UPBD scores 5 out of 10 in our fundamental rating. UPBD was compared to 122 industry peers in the Specialty Retail industry. While UPBD is still in line with the averages on profitability rating, there are concerns on its financial health. UPBD may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
UPBD had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 2.63%, UPBD is in line with its industry, outperforming 57.38% of the companies in the same industry.
UPBD has a better Return On Equity (12.29%) than 69.67% of its industry peers.
The Return On Invested Capital of UPBD (10.19%) is better than 76.23% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UPBD is in line with the industry average of 12.14%.
| 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
The Profit Margin of UPBD (1.85%) is comparable to the rest of the industry.
UPBD's Profit Margin has declined in the last couple of years.
The Operating Margin of UPBD (6.66%) is better than 73.77% of its industry peers.
UPBD's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 47.91%, UPBD is doing good in the industry, outperforming 73.77% of the companies in the same industry.
In the last couple of years the Gross Margin of UPBD has declined.
| 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.
Compared to 1 year ago, UPBD has more shares outstanding
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
An Altman-Z score of 2.70 indicates that UPBD is not a great score, but indicates only limited risk for bankruptcy at the moment.
UPBD has a Altman-Z score of 2.70. This is comparable to the rest of the industry: UPBD outperforms 59.84% 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 70.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.7 |
ROIC/WACC0.98
WACC10.38%
2.3 Liquidity
A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
UPBD's Current ratio of 1.81 is fine compared to the rest of the industry. UPBD outperforms 76.23% of its industry peers.
A Quick Ratio of 0.37 indicates that UPBD may have some problems paying its short term obligations.
With a Quick ratio value of 0.37, UPBD is not doing good in the industry: 62.30% of the companies in the same industry are doing better.
| 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.
The Revenue has been growing slightly by 7.48% in the past year.
Measured over the past years, UPBD shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.
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
The Earnings Per Share is expected to grow by 11.46% on average over the next years. This is quite good.
UPBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.79% yearly.
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 4.74.
Based on the Price/Earnings ratio, UPBD is valued cheaper than 97.54% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, UPBD is valued rather cheaply.
UPBD is valuated cheaply with a Price/Forward Earnings ratio of 4.00.
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.
The average S&P500 Price/Forward Earnings ratio is at 23.70. UPBD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.74 | ||
| Fwd PE | 4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaper than 81.97% of the companies in the same industry.
90.16% of the companies in the same industry are more expensive than UPBD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.14 | ||
| EV/EBITDA | 5.89 |
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.
UPBD's earnings are expected to grow with 16.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)0.42
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
UPBD has a Yearly Dividend Yield of 8.88%, which is a nice return.
Compared to an average industry Dividend Yield of 2.20, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.90% of the companies listed in the same industry.
UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.88% |
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
101.77% of the earnings are spent on dividend by UPBD. This is not a sustainable payout ratio.
UPBD's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP101.77%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
NASDAQ:UPBD (1/9/2026, 2:42:06 PM)
19.77
+0.75 (+3.94%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.14B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (65.1%)
Short Float %7.77%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.88% |
Yearly Dividend1.51
Dividend Growth(5Y)42.9%
DP101.77%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)1.99%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.74 | ||
| Fwd PE | 4 | ||
| P/S | 0.25 | ||
| P/FCF | 8.14 | ||
| P/OCF | 5.67 | ||
| P/B | 1.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.89 |
EPS(TTM)4.17
EY21.09%
EPS(NY)4.94
Fwd EY24.98%
FCF(TTM)2.43
FCFY12.28%
OCF(TTM)3.49
OCFY17.65%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.51
PEG (5Y)0.42
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 | 2.7 |
F-Score3
WACC10.38%
ROIC/WACC0.98
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.
Can you provide the valuation status for UPBOUND GROUP INC?
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.
Can you provide the expected EPS growth for UPBD stock?
The Earnings per Share (EPS) of UPBOUND GROUP INC (UPBD) is expected to grow by 9.24% in the next year.
Can you provide the dividend sustainability for UPBD stock?
The dividend rating of UPBOUND GROUP INC (UPBD) is 6 / 10 and the dividend payout ratio is 101.77%.