18.9 USD
+0.3 (+1.61%)
At close: Jan 30, 2026
18.9 USD
0 (0%)
After Hours: 1/30/2026, 8:22:40 PM
Overall UPBD gets a fundamental rating of 5 out of 10. We evaluated UPBD against 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- UPBD had positive earnings in the past year.
- In the past year UPBD had a positive cash flow from operations.
- Of the past 5 years UPBD 4 years were profitable.
- Each year in the past 5 years UPBD had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.63%, UPBD is in line with its industry, outperforming 57.02% of the companies in the same 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 12.28%.
| 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's Profit Margin of 1.85% is in line compared to the rest of the industry. UPBD outperforms 59.50% of its industry peers.
- UPBD's Profit Margin has declined in the last couple of years.
- UPBD has a better Operating Margin (6.66%) than 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.
- 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
- 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.
- Compared to 5 years ago, UPBD has about the same amount of shares outstanding.
- Compared to 1 year ago, UPBD has a worse debt to assets ratio.
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.
- UPBD has a Altman-Z score (2.70) which is comparable to the rest of the 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.
- UPBD has a Debt to FCF ratio of 10.99. This is comparable to the rest of the industry: UPBD outperforms 52.07% of its industry peers.
- A Debt/Equity ratio of 2.25 is on the high side and indicates that UPBD has dependencies on debt financing.
- UPBD has a Debt to Equity ratio of 2.25. This is in the lower half of the industry: UPBD underperforms 70.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.7 |
ROIC/WACC0.98
WACC10.39%
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.
- Looking at the Current ratio, with a value of 1.81, UPBD is in the better half of the industry, outperforming 76.03% 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.
- The Quick ratio of UPBD (0.37) is worse than 61.98% 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.
- UPBD shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
- Looking at the last year, UPBD shows a small growth in Revenue. The Revenue has grown by 7.48% in the last year.
- Measured over the past years, UPBD shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.
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
- 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 4.53, 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 97.52% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, UPBD is valued rather cheaply.
- UPBD is valuated cheaply with a Price/Forward Earnings ratio of 3.91.
- 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 (25.57), we can say UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.53 | ||
| Fwd PE | 3.91 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaply inside the industry as 83.47% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, UPBD is valued cheaper than 88.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.78 | ||
| EV/EBITDA | 5.88 |
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.
- A more expensive valuation may be justified as UPBD's earnings are expected to grow with 15.52% in the coming years.
PEG (NY)0.48
PEG (5Y)0.4
EPS Next 2Y12.4%
EPS Next 3Y15.52%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.39%, UPBD is a good candidate for dividend investing.
- 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.
- The dividend of UPBD is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP101.77%
EPS Next 2Y12.4%
EPS Next 3Y15.52%
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%.