19.025 USD
+0.58 (+3.17%)
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. 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.
In the past 5 years UPBD always reported a positive cash flow from operatings.
1.2 Ratios
UPBD has a Return On Assets of 2.63%. This is comparable to the rest of the industry: UPBD outperforms 57.38% of its industry peers.
With a decent Return On Equity value of 12.29%, UPBD is doing good in the industry, outperforming 69.67% of the companies in the same industry.
UPBD has a better Return On Invested Capital (10.19%) than 76.23% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UPBD is in line with the industry average of 12.14%.
| 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
With a Profit Margin value of 1.85%, UPBD perfoms like the industry average, outperforming 59.84% of the companies in the same 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 73.77% of its industry peers.
In the last couple of years the Operating Margin of UPBD has declined.
Looking at the Gross Margin, with a value of 47.91%, UPBD is in the better half of the industry, outperforming 73.77% 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
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
UPBD has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for UPBD is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.69 indicates that UPBD is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.69, UPBD perfoms like the industry average, outperforming 59.84% 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.
UPBD has a Debt to FCF ratio of 10.99. This is comparable to the rest of the industry: UPBD outperforms 53.28% 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.
UPBD has a worse Debt to Equity ratio (2.25) than 70.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.69 |
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.
The Current ratio of UPBD (1.81) is better than 76.23% 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 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.
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.
The Revenue has been growing slightly by 7.48% in the past year.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.56 indicates a rather cheap valuation of UPBD.
Based on the Price/Earnings ratio, UPBD is valued cheaper than 97.54% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.92. UPBD is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.85, which indicates a rather cheap valuation of UPBD.
Based on the Price/Forward Earnings ratio, UPBD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.57, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.56 | ||
| Fwd PE | 3.85 |
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.
90.16% 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 | 7.83 | ||
| EV/EBITDA | 5.81 |
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.
A more expensive valuation may be justified as UPBD's earnings are expected to grow with 16.97% in the coming years.
PEG (NY)0.49
PEG (5Y)0.4
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.88%, 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 95.90% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.88% |
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
UPBD pays out 101.77% of its income as dividend. 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 2Y13.56%
EPS Next 3Y16.97%
NASDAQ:UPBD (1/8/2026, 3:55:03 PM)
19.025
+0.58 (+3.17%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.10B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (71.56%)
Short Float %7.77%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.88% |
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)1.99%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.56 | ||
| Fwd PE | 3.85 | ||
| P/S | 0.24 | ||
| P/FCF | 7.83 | ||
| P/OCF | 5.45 | ||
| P/B | 1.6 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.81 |
EPS(TTM)4.17
EY21.92%
EPS(NY)4.94
Fwd EY25.96%
FCF(TTM)2.43
FCFY12.76%
OCF(TTM)3.49
OCFY18.34%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.49
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 | 2.69 |
F-Score3
WACC10.39%
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 Y9.24%
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.
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 9.24% 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%.