UPBOUND GROUP INC (UPBD) Stock Fundamental Analysis

NASDAQ:UPBD • US76009N1000

22.78 USD
+0.58 (+2.61%)
At close: Feb 20, 2026
22.79 USD
+0.01 (+0.04%)
After Hours: 2/20/2026, 8:08:50 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, UPBD scores 4 out of 10 in our fundamental rating. UPBD was compared to 123 industry peers in the Specialty Retail industry. UPBD has a medium profitability rating, but doesn't score so well on its financial health evaluation. UPBD has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • UPBD had positive earnings in the past year.
  • In the past year UPBD had a positive cash flow from operations.
  • In multiple years UPBD reported negative net income over the last 5 years.
  • UPBD had a positive operating cash flow in 4 of the past 5 years.
UPBD Yearly Net Income VS EBIT VS OCF VS FCFUPBD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M 400M

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 69.42% of its industry peers.
  • The Return On Invested Capital of UPBD (10.19%) is better than 76.86% 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 12.08%.
Industry RankSector 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%
UPBD Yearly ROA, ROE, ROICUPBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

1.3 Margins

  • UPBD's Profit Margin of 1.85% is fine compared to the rest of the industry. UPBD outperforms 60.33% of its industry peers.
  • UPBD's Profit Margin has declined in the last couple of years.
  • The Operating Margin of UPBD (6.66%) is better than 73.55% of its industry peers.
  • UPBD's Operating Margin has declined in the last couple of years.
  • UPBD has a Gross Margin of 47.91%. This is in the better half of the industry: UPBD outperforms 73.55% of its industry peers.
  • UPBD's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
UPBD Yearly Profit, Operating, Gross MarginsUPBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • UPBD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • There is no outstanding debt for UPBD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
UPBD Yearly Shares OutstandingUPBD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
UPBD Yearly Total Debt VS Total AssetsUPBD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • UPBD has an Altman-Z score of 2.75. 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.
  • Looking at the Altman-Z score, with a value of 2.75, UPBD is in the better half of the industry, outperforming 60.33% of the companies in the same industry.
  • UPBD has a debt to FCF ratio of 10.99. This is a negative value and a sign of low solvency as UPBD would need 10.99 years to pay back of all of its debts.
  • UPBD has a Debt to FCF ratio (10.99) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 2.25 is on the high side and indicates that UPBD has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.25, UPBD is doing worse than 70.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.25
Debt/FCF 10.99
Altman-Z 2.75
ROIC/WACC0.98
WACC10.35%
UPBD Yearly LT Debt VS Equity VS FCFUPBD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 76.03% 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.
  • With a Quick ratio value of 0.37, UPBD is not doing good in the industry: 62.81% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.81
Quick Ratio 0.37
UPBD Yearly Current Assets VS Current LiabilitesUPBD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • UPBD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.83%.
  • Measured over the past 5 years, UPBD shows a small growth in Earnings Per Share. The EPS has been growing by 3.13% on average per year.
EPS 1Y (TTM)7.83%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%-3.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.86%

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 12.39% yearly.
  • UPBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.09% yearly.
EPS Next Y16.05%
EPS Next 2Y19.36%
EPS Next 3Y13.56%
EPS Next 5Y12.39%
Revenue Next Year7.49%
Revenue Next 2Y7.48%
Revenue Next 3Y5.5%
Revenue Next 5Y5.09%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
UPBD Yearly Revenue VS EstimatesUPBD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B 5B
UPBD Yearly EPS VS EstimatesUPBD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.52, the valuation of UPBD can be described as very cheap.
  • UPBD's Price/Earnings ratio is rather cheap when compared to the industry. UPBD is cheaper than 97.52% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (26.99), we can say UPBD is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.75, the valuation of UPBD can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, UPBD is valued cheaper than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, UPBD is valued rather cheaply.
Industry RankSector Rank
PE 5.52
Fwd PE 4.75
UPBD Price Earnings VS Forward Price EarningsUPBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • 85.12% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
  • 86.78% of the companies in the same industry are more expensive than UPBD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.38
EV/EBITDA 6.32
UPBD Per share dataUPBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

4.3 Compensation for Growth

  • The 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 13.56% in the coming years.
PEG (NY)0.34
PEG (5Y)1.76
EPS Next 2Y19.36%
EPS Next 3Y13.56%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • UPBD has a Yearly Dividend Yield of 7.03%, which is a nice return.
  • UPBD's Dividend Yield is rather good when compared to the industry average which is at 2.21. UPBD pays more dividend than 95.87% of the companies in the same industry.
  • UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 7.03%

5.2 History

  • The dividend of UPBD is nicely growing with an annual growth rate of 42.90%!
  • UPBD has been paying a dividend for at least 10 years, so it has 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
UPBD Yearly Dividends per shareUPBD Yearly Dividends per shareYearly Dividends per share 2016 2017 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 101.77% of the earnings are spent on dividend by UPBD. 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 2Y19.36%
EPS Next 3Y13.56%
UPBD Yearly Income VS Free CF VS DividendUPBD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M 400M
UPBD Dividend Payout.UPBD Dividend Payout, showing the Payout Ratio.UPBD Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UPBOUND GROUP INC

NASDAQ:UPBD (2/20/2026, 8:08:50 PM)

After market: 22.79 +0.01 (+0.04%)

22.78

+0.58 (+2.61%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change8.21%
Market Cap1.32B
Revenue(TTM)N/A
Net Income(TTM)84.48M
Analysts84.29
Price Target29.14 (27.92%)
Short Float %9.55%
Short Ratio7.06
Dividend
Industry RankSector Rank
Dividend Yield 7.03%
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)-10.71%
PT rev (3m)-21.45%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.26%
EPS NY rev (3m)6.28%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-1.4%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.06%
Valuation
Industry RankSector Rank
PE 5.52
Fwd PE 4.75
P/S 0.29
P/FCF 9.38
P/OCF 6.53
P/B 1.92
P/tB N/A
EV/EBITDA 6.32
EPS(TTM)4.13
EY18.13%
EPS(NY)4.79
Fwd EY21.04%
FCF(TTM)2.43
FCFY10.66%
OCF(TTM)3.49
OCFY15.32%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.34
PEG (5Y)1.76
Graham Number33.21
Profitability
Industry RankSector 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 RankSector 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 2.75
F-Score3
WACC10.35%
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)7.83%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%-3.81%
EPS Next Y16.05%
EPS Next 2Y19.36%
EPS Next 3Y13.56%
EPS Next 5Y12.39%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.86%
Revenue Next Year7.49%
Revenue Next 2Y7.48%
Revenue Next 3Y5.5%
Revenue Next 5Y5.09%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year46.27%
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 4 / 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 4 / 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 16.05% 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%.