UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation
NASDAQ:UPBD • US76009N1000
Current stock price
19.77 USD
+0.23 (+1.18%)
At close:
19.77 USD
0 (0%)
After Hours:
This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. UPBD Profitability Analysis
1.1 Basic Checks
- UPBD had positive earnings in the past year.
- UPBD had a positive operating cash flow in the past year.
- Of the past 5 years UPBD 4 years were profitable.
- UPBD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of UPBD (2.24%) is comparable to the rest of the industry.
- The Return On Equity of UPBD (10.53%) is better than 65.85% of its industry peers.
- With a decent Return On Invested Capital value of 8.40%, UPBD is doing good in the industry, outperforming 73.17% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for UPBD is below the industry average of 13.57%.
| Industry Rank | Sector 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%
1.3 Margins
- UPBD has a Profit Margin of 1.56%. This is comparable to the rest of the industry: UPBD outperforms 57.72% of its industry peers.
- UPBD's Profit Margin has declined in the last couple of years.
- UPBD has a better Operating Margin (6.38%) than 73.17% of its industry peers.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a Gross Margin of 48.39%. This is in the better half of the industry: UPBD outperforms 74.80% of its industry peers.
- In the last couple of years the Gross Margin of UPBD has declined.
| Industry Rank | Sector 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%
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
- Compared to 1 year ago, UPBD has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.73 indicates that UPBD is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of UPBD (2.73) is better than 60.98% of its industry peers.
- UPBD has a debt to FCF ratio of 6.58. This is a slightly negative value and a sign of low solvency as UPBD would need 6.58 years to pay back of all of its debts.
- The Debt to FCF ratio of UPBD (6.58) 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 Debt to Equity ratio of 2.26. This is in the lower half of the industry: UPBD underperforms 69.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.26 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | 2.73 |
ROIC/WACC1.24
WACC6.76%
2.3 Liquidity
- UPBD has a Current Ratio of 1.99. 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 1.99 is fine compared to the rest of the industry. UPBD outperforms 76.42% of its industry peers.
- A Quick Ratio of 0.39 indicates that UPBD may have some problems paying its short term obligations.
- UPBD's Quick ratio of 0.39 is on the low side compared to the rest of the industry. UPBD is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.99 | ||
| Quick Ratio | 0.39 |
3. UPBD Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 7.83% over the past year.
- 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.
- UPBD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.78% yearly.
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
- Based on estimates for the next years, UPBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.51% on average per year.
- 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 2Y9.33%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue Next Year4.41%
Revenue Next 2Y5.43%
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.
4. UPBD Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 4.79, which indicates a rather cheap valuation of UPBD.
- Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 98.37% of the companies are valued more expensively.
- UPBD is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 4.56, the valuation of UPBD can be described as very cheap.
- 100.00% 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 22.24, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.56 |
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 82.11% of the companies listed 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 94.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.81 | ||
| EV/EBITDA | 5.95 |
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.
PEG (NY)0.96
PEG (5Y)1.53
EPS Next 2Y9.33%
EPS Next 3Y8.28%
5. UPBD Dividend Analysis
5.1 Amount
- UPBD has a Yearly Dividend Yield of 7.98%, which is a nice return.
- UPBD's Dividend Yield is rather good when compared to the industry average which is at 3.36. UPBD pays more dividend than 95.94% of the companies in the same industry.
- UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
5.2 History
- The dividend of UPBD is nicely growing with an annual growth rate of 6.14%!
- 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)6.14%
Div Incr Years4
Div Non Decr Years4
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 2Y9.33%
EPS Next 3Y8.28%
UPBD Fundamentals: All Metrics, Ratios and Statistics
19.77
+0.23 (+1.18%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19 2026-02-19/bmo
Earnings (Next)04-30 2026-04-30/bmo
Inst Owners89.81%
Inst Owner Change-0.08%
Ins Owners7.98%
Ins Owner Change19.15%
Market Cap1.15B
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.43 (48.86%)
Short Float %9.29%
Short Ratio5.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-07 2026-04-07 (0.39)
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)-0.98%
PT rev (3m)-6.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.77%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.56 | ||
| P/S | 0.24 | ||
| P/FCF | 4.81 | ||
| P/OCF | 3.76 | ||
| P/B | 1.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.95 |
EPS(TTM)4.13
EY20.89%
EPS(NY)4.34
Fwd EY21.93%
FCF(TTM)4.11
FCFY20.77%
OCF(TTM)5.26
OCFY26.59%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.96
PEG (5Y)1.53
Graham Number33.3524 (68.7%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.73 |
F-Score5
WACC6.76%
ROIC/WACC1.24
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 2Y9.33%
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 Year4.41%
Revenue Next 2Y5.43%
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.
Can you provide the profitability details for UPBOUND GROUP INC?
UPBOUND GROUP INC (UPBD) has a profitability rating of 4 / 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 4.79 and the Price/Book (PB) ratio is 1.65.
What is the financial health of UPBOUND GROUP INC (UPBD) stock?
The financial health rating of UPBOUND GROUP INC (UPBD) is 3 / 10.