19.01 USD
+0.11 (+0.58%)
Last: Feb 2, 2026, 10:51 AM
We assign a fundamental rating of 5 out of 10 to UPBD. UPBD was compared to 121 industry peers in the Specialty Retail industry. While UPBD is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
- In the past year UPBD had a positive cash flow from operations.
- 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
- UPBD has a Return On Assets (2.63%) which is in line with its industry peers.
- With a decent Return On Equity value of 12.29%, UPBD is doing good in the industry, outperforming 69.42% of the companies in the same industry.
- 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.
- Measured over the past 3 years, the Average Return On Invested Capital for UPBD 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
- Looking at the Profit Margin, with a value of 1.85%, UPBD is in line with its industry, outperforming 59.50% 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 73.55% of its industry peers.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a Gross Margin of 47.91%. This is in the better half of the industry: UPBD outperforms 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.
- 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.
- Compared to 1 year ago, UPBD has a worse debt to assets ratio.
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.
- The Altman-Z score of UPBD (2.70) 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.
- With a Debt to FCF ratio value of 10.99, UPBD perfoms like the industry average, outperforming 52.07% 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.
- UPBD's Debt to Equity ratio of 2.25 is on the low side compared to the rest of the industry. UPBD is outperformed by 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
- A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
- UPBD has a better Current ratio (1.81) than 76.03% of its industry peers.
- A Quick Ratio of 0.37 indicates that UPBD may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.37, UPBD is doing worse than 61.98% of the companies in the same industry.
| 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.
- 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.
- UPBD shows a small growth in Revenue. In the last year, the Revenue has grown by 7.48%.
- 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
- 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
- A Price/Earnings ratio of 4.56 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 is valuated cheaply when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
- 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 (25.57), we can say UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.56 | ||
| Fwd PE | 3.93 |
4.2 Price Multiples
- UPBD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UPBD is cheaper than 83.47% of the companies in the same industry.
- 88.43% 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 | 5.88 |
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 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
- UPBD has a Yearly Dividend Yield of 8.39%, which is a nice return.
- UPBD's Dividend Yield is rather good when compared to the industry average which is at 2.20. UPBD pays more dividend than 95.87% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, UPBD pays a better dividend.
| 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 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 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%.