UPBOUND GROUP INC (UPBD) Stock Fundamental Analysis
NASDAQ:UPBD • US76009N1000
19.83 USD
+0.02 (+0.1%)
At close: Feb 12, 2026
19.8 USD
-0.03 (-0.15%)
Pre-Market: 2/13/2026, 7:48:38 AM
UPBD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 120 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
- With a Return On Assets value of 2.63%, UPBD perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
- UPBD has a Return On Equity of 12.29%. This is in the better half of the industry: UPBD outperforms 69.17% of its industry peers.
- With a decent Return On Invested Capital value of 10.19%, UPBD is doing good in the industry, outperforming 76.67% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for UPBD is in line with the industry average of 12.31%.
| 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
- UPBD has a Profit Margin of 1.85%. This is comparable to the rest of the industry: UPBD outperforms 60.00% of its industry peers.
- UPBD's Profit Margin has declined in the last couple of years.
- UPBD has a Operating Margin of 6.66%. This is in the better half of the industry: UPBD outperforms 73.33% of its industry peers.
- In the last couple of years the Operating Margin of UPBD has declined.
- UPBD has a better Gross Margin (47.91%) than 74.17% of its industry peers.
- 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UPBD is still creating some value.
- UPBD has more shares outstanding than it did 1 year ago.
- UPBD has about the same amout of shares outstanding than it did 5 years ago.
- The debt/assets ratio for UPBD is higher compared to a year ago.
2.2 Solvency
- UPBD has an Altman-Z score of 2.71. 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.
- With a Altman-Z score value of 2.71, UPBD perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- 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.
- With a Debt to FCF ratio value of 10.99, UPBD perfoms like the industry average, outperforming 51.67% of the companies in the same industry.
- UPBD has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
- UPBD has a Debt to Equity ratio of 2.25. This is in the lower half of the industry: UPBD underperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.99
WACC10.33%
2.3 Liquidity
- A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.81, UPBD is in the better half of the industry, outperforming 75.83% of the companies in the same industry.
- 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.
- Looking at the Quick ratio, with a value of 0.37, UPBD is doing worse than 61.67% of the companies in the same industry.
| 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.
- The Earnings Per Share has been growing by 11.32% on average over the past years. This is quite good.
- UPBD shows a small growth in Revenue. In the last year, the Revenue has grown by 7.48%.
- 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
- Based on estimates for the next years, UPBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.46% on average per year.
- Based on estimates for the next years, UPBD will show a small growth in Revenue. The Revenue will grow by 5.79% on average per year.
EPS Next Y9.53%
EPS Next 2Y11.87%
EPS Next 3Y15.39%
EPS Next 5Y11.46%
Revenue Next Year8.69%
Revenue Next 2Y8.12%
Revenue Next 3Y7.86%
Revenue Next 5Y5.79%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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
- Based on the Price/Earnings ratio of 4.76, 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 97.50% of the companies in the same industry.
- UPBD is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 4.14, the valuation of UPBD can be described as very cheap.
- 100.00% of the companies in the same industry are more expensive than UPBD, based on the Price/Forward Earnings ratio.
- UPBD is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.76 | ||
| Fwd PE | 4.14 |
4.2 Price Multiples
- 85.00% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 86.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| EV/EBITDA | 6 |
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.
- UPBD's earnings are expected to grow with 15.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.42
EPS Next 2Y11.87%
EPS Next 3Y15.39%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.86%, UPBD is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.26, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.83% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.80, UPBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.86% |
5.2 History
- On average, the dividend of UPBD grows each year by 42.90%, which is quite nice.
- 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
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 2Y11.87%
EPS Next 3Y15.39%
19.83
+0.02 (+0.1%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.15B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target29.14 (46.95%)
Short Float %9.95%
Short Ratio7.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.86% |
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)0.84%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.26%
EPS NY rev (3m)6.28%
Revenue NQ rev (1m)-0.75%
Revenue NQ rev (3m)-1.4%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.76 | ||
| Fwd PE | 4.14 | ||
| P/S | 0.25 | ||
| P/FCF | 8.17 | ||
| P/OCF | 5.68 | ||
| P/B | 1.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6 |
EPS(TTM)4.17
EY21.03%
EPS(NY)4.79
Fwd EY24.17%
FCF(TTM)2.43
FCFY12.25%
OCF(TTM)3.49
OCFY17.59%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.5
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 | 2.71 |
F-Score3
WACC10.33%
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 Y9.53%
EPS Next 2Y11.87%
EPS Next 3Y15.39%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.69%
Revenue Next 2Y8.12%
Revenue Next 3Y7.86%
Revenue Next 5Y5.79%
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 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 9.53% 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%.