18.98 USD
+0.02 (+0.11%)
We assign a fundamental rating of 5 out of 10 to UPBD. UPBD was compared to 122 industry peers in the Specialty Retail industry. UPBD has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
In the past year UPBD had a positive cash flow from operations.
Of the past 5 years UPBD 4 years were profitable.
In the past 5 years UPBD always reported a positive cash flow from operatings.
1.2 Ratios
UPBD has a Return On Assets (2.63%) which is in line with its industry peers.
With a decent Return On Equity value of 12.29%, UPBD is doing good in the industry, outperforming 70.49% 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 76.23% 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 11.71%.
| 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
Looking at the Profit Margin, with a value of 1.85%, UPBD is in line with its industry, outperforming 59.84% of the companies in the same industry.
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 73.77% 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 75.41% 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
UPBD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
UPBD has a worse debt/assets ratio than last year.
2.2 Solvency
UPBD has an Altman-Z score of 2.70. 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 decent Altman-Z score value of 2.70, UPBD is doing good in the industry, outperforming 63.11% 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.
Looking at the Debt to FCF ratio, with a value of 10.99, UPBD is in line with its industry, outperforming 55.74% of the companies in the same industry.
A Debt/Equity ratio of 2.25 is on the high side and indicates that UPBD has dependencies on debt financing.
UPBD has a worse Debt to Equity ratio (2.25) than 72.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.7 |
ROIC/WACC1.01
WACC10.08%
2.3 Liquidity
A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
UPBD has a better Current ratio (1.81) than 78.69% of its industry peers.
A Quick Ratio of 0.37 indicates that UPBD may have some problems paying its short term obligations.
UPBD has a Quick ratio of 0.37. This is in the lower half of the industry: UPBD underperforms 62.30% 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.
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 Y3.07%
EPS Next 2Y14.29%
EPS Next 3Y16.9%
EPS Next 5Y11.46%
Revenue Next Year8.62%
Revenue Next 2Y8.15%
Revenue Next 3Y7.85%
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
With a Price/Earnings ratio of 4.55, the valuation of UPBD can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 97.54% of the companies listed in the same industry.
UPBD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.37.
The Price/Forward Earnings ratio is 3.79, which indicates a rather cheap valuation of UPBD.
98.36% of the companies in the same industry are more expensive than UPBD, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.20, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.55 | ||
| Fwd PE | 3.79 |
4.2 Price Multiples
UPBD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UPBD is cheaper than 81.15% of the companies in the same industry.
92.62% 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 | 7.82 | ||
| EV/EBITDA | 5.88 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
UPBD's earnings are expected to grow with 16.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.48
PEG (5Y)0.4
EPS Next 2Y14.29%
EPS Next 3Y16.9%
5. Dividend
5.1 Amount
UPBD has a Yearly Dividend Yield of 8.54%, which is a nice return.
The stock price of UPBD dropped by -25.35% 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.
UPBD's Dividend Yield is rather good when compared to the industry average which is at 5.65. UPBD pays more dividend than 97.54% of the companies in the same industry.
UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.54% |
5.2 History
The dividend of UPBD is nicely growing with an annual growth rate of 42.90%!
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.
The dividend of UPBD is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP101.77%
EPS Next 2Y14.29%
EPS Next 3Y16.9%
NASDAQ:UPBD (12/4/2025, 1:28:42 PM)
18.98
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners85.89%
Inst Owner ChangeN/A
Ins Owners8.35%
Ins Owner Change-2.04%
Market Cap1.10B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32 (68.6%)
Short Float %7.93%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.54% |
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)-13.75%
PT rev (3m)-9.06%
EPS NQ rev (1m)-13.05%
EPS NQ rev (3m)-12.48%
EPS NY rev (1m)-8.68%
EPS NY rev (3m)-8.54%
Revenue NQ rev (1m)-1.39%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.55 | ||
| Fwd PE | 3.79 | ||
| P/S | 0.24 | ||
| P/FCF | 7.82 | ||
| P/OCF | 5.44 | ||
| P/B | 1.6 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.88 |
EPS(TTM)4.17
EY21.97%
EPS(NY)5
Fwd EY26.36%
FCF(TTM)2.43
FCFY12.79%
OCF(TTM)3.49
OCFY18.38%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)1.48
PEG (5Y)0.4
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
WACC10.08%
ROIC/WACC1.01
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 Y3.07%
EPS Next 2Y14.29%
EPS Next 3Y16.9%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.62%
Revenue Next 2Y8.15%
Revenue Next 3Y7.85%
Revenue Next 5Y5.79%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year50.49%
EBIT Next 3Y25.59%
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 8 / 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 4.55 and the Price/Book (PB) ratio is 1.6.
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%.