19.77 USD
+0.87 (+4.6%)
At close: Feb 2, 2026
19.77 USD
0 (0%)
After Hours: 2/2/2026, 8:00:01 PM
UPBD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 121 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.
- 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.
- UPBD has a better Return On Equity (12.29%) than 69.42% of its industry peers.
- With a decent Return On Invested Capital value of 10.19%, UPBD is doing good in the industry, outperforming 76.03% of the companies in the same industry.
- UPBD had an Average Return On Invested Capital over the past 3 years of 11.93%. This is in line with the industry average of 12.11%.
| 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 comparable to the rest of the industry.
- In the last couple of years the Profit Margin of UPBD has declined.
- 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.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a better Gross Margin (47.91%) than 73.55% 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
- UPBD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- UPBD has more shares outstanding than it did 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
- 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.
- UPBD has a Altman-Z score (2.71) which is comparable to the rest of the 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 51.24% 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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.98
WACC10.37%
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's Current ratio of 1.81 is fine compared to the rest of the industry. UPBD outperforms 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.
- UPBD has a worse Quick ratio (0.37) than 61.98% 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.
- 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.
- Looking at the last year, UPBD shows a small growth in Revenue. The Revenue has grown by 7.48% in the last year.
- 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
- The Earnings Per Share is expected to grow by 11.46% on average over the next years. This is quite good.
- The Revenue is expected to grow by 5.79% on average over the next years.
EPS Next Y9.42%
EPS Next 2Y12.4%
EPS Next 3Y15.52%
EPS Next 5Y11.46%
Revenue Next Year8.73%
Revenue Next 2Y8.15%
Revenue Next 3Y7.86%
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
- The Price/Earnings ratio is 4.74, which indicates a rather cheap valuation of UPBD.
- Compared to the rest of the industry, the Price/Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 97.52% 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 28.41.
- Based on the Price/Forward Earnings ratio of 4.09, the valuation of UPBD can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 100.00% of the companies listed in the same industry.
- UPBD is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.64, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.74 | ||
| Fwd PE | 4.09 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaper than 84.30% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 87.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.14 | ||
| EV/EBITDA | 5.99 |
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 15.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.42
EPS Next 2Y12.4%
EPS Next 3Y15.52%
5. Dividend
5.1 Amount
- UPBD has a Yearly Dividend Yield of 8.39%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.20, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.87% 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.39% |
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 2Y12.4%
EPS Next 3Y15.52%
19.77
+0.87 (+4.6%)
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 Cap1.14B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target31.37 (58.67%)
Short Float %9.1%
Short Ratio6.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.39% |
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)-3.91%
PT rev (3m)-15.46%
EPS NQ rev (1m)0.35%
EPS NQ rev (3m)-12.75%
EPS NY rev (1m)0.16%
EPS NY rev (3m)-3.04%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-1.88%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.74 | ||
| Fwd PE | 4.09 | ||
| P/S | 0.25 | ||
| P/FCF | 8.14 | ||
| P/OCF | 5.67 | ||
| P/B | 1.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.99 |
EPS(TTM)4.17
EY21.09%
EPS(NY)4.84
Fwd EY24.48%
FCF(TTM)2.43
FCFY12.28%
OCF(TTM)3.49
OCFY17.65%
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
WACC10.37%
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)16.16%
EPS 3Y-11.63%
EPS 5Y11.32%
EPS Q2Q%5.26%
EPS Next Y9.42%
EPS Next 2Y12.4%
EPS Next 3Y15.52%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.73%
Revenue Next 2Y8.15%
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 9.42% 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%.