UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation

NASDAQ:UPBD • US76009N1000

Current stock price

17.05 USD
-0.17 (-0.99%)
Last:

This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UPBD Profitability Analysis

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.
  • In the past 5 years UPBD always reported a positive cash flow from operatings.
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 2025 0 100M -100M 200M 300M 400M

1.2 Ratios

  • UPBD has a Return On Assets (2.24%) which is in line with its industry peers.
  • UPBD has a better Return On Equity (10.53%) than 67.74% of its industry peers.
  • UPBD has a better Return On Invested Capital (8.40%) than 73.39% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UPBD is below the industry average of 13.55%.
Industry RankSector Rank
ROA 2.24%
ROE 10.53%
ROIC 8.4%
ROA(3y)2.24%
ROA(5y)2.33%
ROE(3y)9.74%
ROE(5y)11.58%
ROIC(3y)9.97%
ROIC(5y)10.71%
UPBD Yearly ROA, ROE, ROICUPBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • UPBD has a Profit Margin (1.56%) which is comparable to the rest of the industry.
  • UPBD's Profit Margin has declined in the last couple of years.
  • UPBD's Operating Margin of 6.38% is fine compared to the rest of the industry. UPBD outperforms 74.19% of its industry peers.
  • UPBD's Operating Margin has declined in the last couple of years.
  • UPBD has a better Gross Margin (48.39%) than 74.19% of its industry peers.
  • In the last couple of years the Gross Margin of UPBD has declined.
Industry RankSector Rank
OM 6.38%
PM (TTM) 1.56%
GM 48.39%
OM growth 3Y-1.87%
OM growth 5Y-6.51%
PM growth 3Y74.8%
PM growth 5Y-26.74%
GM growth 3Y-0.41%
GM growth 5Y-4.03%
UPBD Yearly Profit, Operating, Gross MarginsUPBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UPBD Health Analysis

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 more shares outstanding
  • The debt/assets ratio for UPBD has been reduced compared to a year ago.
UPBD Yearly Shares OutstandingUPBD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

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's Altman-Z score of 2.70 is fine compared to the rest of the industry. UPBD outperforms 63.71% of its industry peers.
  • The Debt to FCF ratio of UPBD is 6.58, which is on the high side as it means it would take UPBD, 6.58 years of fcf income to pay off all of its debts.
  • UPBD has a Debt to FCF ratio (6.58) which is comparable to the rest of the industry.
  • UPBD has a Debt/Equity ratio of 2.26. This is a high value indicating a heavy dependency on external financing.
  • UPBD has a worse Debt to Equity ratio (2.26) than 68.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.26
Debt/FCF 6.58
Altman-Z 2.7
ROIC/WACC0.91
WACC9.23%
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 2025 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 1.99 indicates that UPBD should not have too much problems paying its short term obligations.
  • UPBD has a Current ratio of 1.99. This is in the better half of the industry: UPBD outperforms 79.84% of its industry peers.
  • UPBD has a Quick Ratio of 1.99. 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's Quick ratio of 0.39 is in line compared to the rest of the industry. UPBD outperforms 40.32% of its industry peers.
Industry RankSector Rank
Current Ratio 1.99
Quick Ratio 0.39
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 2025 500M 1B 1.5B

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

5

3. UPBD Growth Analysis

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.
  • The Revenue has grown by 8.67% in the past year. This is quite good.
  • The Revenue has been growing by 10.78% on average over the past years. This is quite good.
EPS 1Y (TTM)7.83%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%-3.81%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y3.41%
Revenue growth 5Y10.78%
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 8.51% yearly.
  • Based on estimates for the next years, UPBD will show a small growth in Revenue. The Revenue will grow by 3.79% on average per year.
EPS Next Y4.98%
EPS Next 2Y10.53%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue Next Year4.74%
Revenue Next 2Y5.7%
Revenue Next 3Y3.88%
Revenue Next 5Y3.79%

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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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 2030 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 2030 0 2 4 6

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8

4. UPBD Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 4.13, the valuation of UPBD can be described as very cheap.
  • Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 97.58% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (25.73), we can say UPBD is valued rather cheaply.
  • The Price/Forward Earnings ratio is 3.93, which 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.
  • When comparing the Price/Forward Earnings ratio of UPBD to the average of the S&P500 Index (23.72), we can say UPBD is valued rather cheaply.
Industry RankSector Rank
PE 4.13
Fwd PE 3.93
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 83.06% of the companies listed in the same industry.
  • 94.35% 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 4.15
EV/EBITDA 5.64
UPBD Per share dataUPBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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.
PEG (NY)0.83
PEG (5Y)1.32
EPS Next 2Y10.53%
EPS Next 3Y8.28%

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

7

5. UPBD Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.70%, UPBD is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.41, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.97% 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 1.91.
Industry RankSector Rank
Dividend Yield 8.7%

5.2 History

  • The dividend of UPBD is nicely growing with an annual growth rate of 6.14%!
  • 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)6.14%
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

  • 119.97% of the earnings are spent on dividend by UPBD. This is not a sustainable payout ratio.
  • The dividend of UPBD is growing, but earnings are growing more, so the dividend growth is sustainable.
DP119.97%
EPS Next 2Y10.53%
EPS Next 3Y8.28%
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 2025 0 100M -100M 200M 300M 400M
UPBD Dividend Payout.UPBD Dividend Payout, showing the Payout Ratio.UPBD Dividend Payout.PayoutRetained Earnings

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UPBD Fundamentals: All Metrics, Ratios and Statistics

UPBOUND GROUP INC

NASDAQ:UPBD (3/20/2026, 3:41:03 PM)

17.05

-0.17 (-0.99%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners89.73%
Inst Owner ChangeN/A
Ins Owners7.96%
Ins Owner Change18.36%
Market Cap990.95M
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.73 (74.37%)
Short Float %9.1%
Short Ratio6.11
Dividend
Industry RankSector Rank
Dividend Yield 8.7%
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.31%
Min EPS beat(2)-2.28%
Max EPS beat(2)1.66%
EPS beat(4)3
Avg EPS beat(4)1.68%
Min EPS beat(4)-2.28%
Max EPS beat(4)3.99%
EPS beat(8)5
Avg EPS beat(8)0.83%
EPS beat(12)9
Avg EPS beat(12)6.77%
EPS beat(16)13
Avg EPS beat(16)7.23%
Revenue beat(2)1
Avg Revenue beat(2)-1.17%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)0.04%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-2.37%
Max Revenue beat(4)2.29%
Revenue beat(8)5
Avg Revenue beat(8)0.51%
Revenue beat(12)7
Avg Revenue beat(12)0.2%
Revenue beat(16)8
Avg Revenue beat(16)0.09%
PT rev (1m)2%
PT rev (3m)-8.93%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)-9.54%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)-2.03%
Revenue NQ rev (3m)-2.72%
Revenue NY rev (1m)-2.65%
Revenue NY rev (3m)-3.18%
Valuation
Industry RankSector Rank
PE 4.13
Fwd PE 3.93
P/S 0.21
P/FCF 4.15
P/OCF 3.24
P/B 1.42
P/tB N/A
EV/EBITDA 5.64
EPS(TTM)4.13
EY24.22%
EPS(NY)4.34
Fwd EY25.43%
FCF(TTM)4.11
FCFY24.09%
OCF(TTM)5.26
OCFY30.84%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.83
PEG (5Y)1.32
Graham Number33.35
Profitability
Industry RankSector Rank
ROA 2.24%
ROE 10.53%
ROCE 12.24%
ROIC 8.4%
ROICexc 8.83%
ROICexgc 13.84%
OM 6.38%
PM (TTM) 1.56%
GM 48.39%
FCFM 5.08%
ROA(3y)2.24%
ROA(5y)2.33%
ROE(3y)9.74%
ROE(5y)11.58%
ROIC(3y)9.97%
ROIC(5y)10.71%
ROICexc(3y)10.4%
ROICexc(5y)11.26%
ROICexgc(3y)15.23%
ROICexgc(5y)16.7%
ROCE(3y)14.52%
ROCE(5y)15.6%
ROICexgc growth 3Y-3.87%
ROICexgc growth 5Y-8.81%
ROICexc growth 3Y-4.86%
ROICexc growth 5Y-14.94%
OM growth 3Y-1.87%
OM growth 5Y-6.51%
PM growth 3Y74.8%
PM growth 5Y-26.74%
GM growth 3Y-0.41%
GM growth 5Y-4.03%
F-Score5
Asset Turnover1.43
Health
Industry RankSector Rank
Debt/Equity 2.26
Debt/FCF 6.58
Debt/EBITDA 3.62
Cap/Depr 49.77%
Cap/Sales 1.42%
Interest Coverage 2.85
Cash Conversion 70.39%
Profit Quality 325.92%
Current Ratio 1.99
Quick Ratio 0.39
Altman-Z 2.7
F-Score5
WACC9.23%
ROIC/WACC0.91
Cap/Depr(3y)45.77%
Cap/Depr(5y)44%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.37%
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 Y4.98%
EPS Next 2Y10.53%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y3.41%
Revenue growth 5Y10.78%
Sales Q2Q%10.86%
Revenue Next Year4.74%
Revenue Next 2Y5.7%
Revenue Next 3Y3.88%
Revenue Next 5Y3.79%
EBIT growth 1Y-5.8%
EBIT growth 3Y1.48%
EBIT growth 5Y3.57%
EBIT Next Year44.55%
EBIT Next 3Y16.75%
EBIT Next 5Y11.72%
FCF growth 1Y392.73%
FCF growth 3Y-16.3%
FCF growth 5Y3.4%
OCF growth 1Y191.8%
OCF growth 3Y-13.28%
OCF growth 5Y5.26%

UPBOUND GROUP INC / UPBD Fundamental Analysis 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 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 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 4.98% in the next year.


Can you provide the dividend sustainability for UPBD stock?

The dividend rating of UPBOUND GROUP INC (UPBD) is 7 / 10 and the dividend payout ratio is 119.97%.