18.56 USD
-0.46 (-2.42%)
18.56 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to UPBD. UPBD was compared to 121 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
Of the past 5 years UPBD 4 years were profitable.
UPBD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of UPBD (2.63%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 12.29%, UPBD is in the better half of the industry, outperforming 70.25% of the companies in the same industry.
UPBD has a Return On Invested Capital of 10.19%. This is in the better half of the industry: UPBD outperforms 76.03% 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 12.26%.
| 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 (1.85%) which is in line with 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 73.55% of its industry peers.
In the last couple of years the Operating Margin of UPBD has declined.
UPBD's Gross Margin of 47.91% is fine compared to the rest of the industry. UPBD outperforms 75.21% 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.
The number of shares outstanding for UPBD has been increased compared to 1 year ago.
Compared to 5 years ago, UPBD has about the same amount of shares outstanding.
The debt/assets ratio for UPBD is higher compared to a year ago.
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 in the better half of the industry: UPBD outperforms 61.98% 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 of 10.99. This is comparable to the rest of the industry: UPBD outperforms 55.37% of its industry peers.
UPBD has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.25, UPBD is doing worse than 71.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.7 |
ROIC/WACC0.99
WACC10.29%
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 Current ratio of 1.81. This is in the better half of the industry: UPBD outperforms 78.51% 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 has a Quick ratio of 0.37. This is in the lower half of the industry: UPBD underperforms 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.16% over the past year.
Measured over the past years, UPBD shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.32% on average per year.
UPBD shows a small growth in Revenue. In the last year, the Revenue has grown by 7.48%.
The Revenue has been growing by 10.11% on average over the past years. This is quite good.
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.
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 Y9.24%
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
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
A Price/Earnings ratio of 4.45 indicates a rather cheap valuation of UPBD.
Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 97.52% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.76. UPBD is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 3.76 indicates a rather cheap valuation of UPBD.
100.00% of the companies in the same industry are more expensive than UPBD, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.96. UPBD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.45 | ||
| Fwd PE | 3.76 |
4.2 Price Multiples
80.99% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, UPBD is valued cheaply inside the industry as 91.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.64 | ||
| 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)0.48
PEG (5Y)0.39
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
UPBD has a Yearly Dividend Yield of 8.41%, which is a nice return.
In the last 3 months the price of UPBD has falen by -25.82%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 5.67, UPBD pays a better dividend. On top of this UPBD pays more dividend than 97.52% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, UPBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.41% |
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.
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%
18.56
-0.46 (-2.42%)
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 Cap1.07B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (75.86%)
Short Float %7.93%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.41% |
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)-0.35%
EPS NQ rev (3m)-12.48%
EPS NY rev (1m)5.99%
EPS NY rev (3m)-3.06%
Revenue NQ rev (1m)-0.66%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.45 | ||
| Fwd PE | 3.76 | ||
| P/S | 0.23 | ||
| P/FCF | 7.64 | ||
| P/OCF | 5.32 | ||
| P/B | 1.56 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.89 |
EPS(TTM)4.17
EY22.47%
EPS(NY)4.94
Fwd EY26.61%
FCF(TTM)2.43
FCFY13.08%
OCF(TTM)3.49
OCFY18.8%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.48
PEG (5Y)0.39
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
WACC10.29%
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 4.45 and the Price/Book (PB) ratio is 1.56.
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%.