UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation
NASDAQ:UPBD • US76009N1000
18.3 USD
+0.37 (+2.06%)
At close: Mar 13, 2026
18.3 USD
0 (0%)
After Hours: 3/13/2026, 4:30:01 PM
This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall UPBD gets a fundamental rating of 5 out of 10. We evaluated UPBD against 124 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. UPBD also has an excellent dividend rating.
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.
- UPBD had positive earnings in 4 of the past 5 years.
- In the past 5 years UPBD always reported a positive cash flow from operatings.
1.2 Ratios
- UPBD's Return On Assets of 2.24% is in line compared to the rest of the industry. UPBD outperforms 57.26% of its industry peers.
- Looking at the Return On Equity, with a value of 10.53%, UPBD is in the better half of the industry, outperforming 67.74% of the companies in the same industry.
- With a decent Return On Invested Capital value of 8.40%, UPBD is doing good in the industry, outperforming 73.39% of the companies in the same industry.
- UPBD had an Average Return On Invested Capital over the past 3 years of 9.97%. This is below the industry average of 13.59%.
| 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 (1.56%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of UPBD has declined.
- The Operating Margin of UPBD (6.38%) is better than 74.19% of its industry peers.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a better Gross Margin (48.39%) than 75.00% 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UPBD is still creating some value.
- The number of shares outstanding for UPBD has been increased compared to 1 year ago.
- UPBD has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for UPBD has been reduced 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's Altman-Z score of 2.71 is in line compared to the rest of the industry. UPBD outperforms 59.68% of its industry peers.
- The Debt to FCF ratio of UPBD is 6.58, which is on the high side as it means it would take UPBD, 6.58 years of fcf income to pay off all of its debts.
- UPBD's Debt to FCF ratio of 6.58 is in line compared to the rest of the industry. UPBD outperforms 59.68% of its industry peers.
- UPBD has a Debt/Equity ratio of 2.26. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 2.26, UPBD is doing worse than 68.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.26 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.91
WACC9.25%
2.3 Liquidity
- A Current Ratio of 1.99 indicates that UPBD should not have too much problems paying its short term obligations.
- UPBD has a Current ratio of 1.99. This is in the better half of the industry: UPBD outperforms 79.84% of its industry peers.
- UPBD has a Quick Ratio of 1.99. This is a bad value and indicates that UPBD is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Quick ratio value of 0.39, UPBD perfoms like the industry average, outperforming 40.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.99 | ||
| Quick Ratio | 0.39 |
3. UPBD Growth Analysis
3.1 Past
- UPBD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.83%.
- The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
- UPBD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.67%.
- 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 2Y10.53%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue Next Year4.74%
Revenue Next 2Y5.7%
Revenue Next 3Y3.88%
Revenue Next 5Y3.79%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better 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. UPBD Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 4.43, 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 97.58% 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 25.71.
- UPBD is valuated cheaply with a Price/Forward Earnings ratio of 4.22.
- Based on the Price/Forward Earnings ratio, UPBD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- UPBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.43 | ||
| Fwd PE | 4.22 |
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 84.68% of the companies listed in the same industry.
- 93.55% 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 | 4.46 | ||
| EV/EBITDA | 5.74 |
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)0.89
PEG (5Y)1.42
EPS Next 2Y10.53%
EPS Next 3Y8.28%
5. UPBD Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 7.27%, UPBD is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.36, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.97% 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
5.2 History
- The dividend of UPBD is nicely growing with an annual growth rate of 6.14%!
- 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)6.14%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- UPBD pays out 119.97% of its income as dividend. This is not a sustainable payout ratio.
- UPBD's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP119.97%
EPS Next 2Y10.53%
EPS Next 3Y8.28%
UPBD Fundamentals: All Metrics, Ratios and Statistics
18.3
+0.37 (+2.06%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19 2026-02-19/bmo
Earnings (Next)04-29 2026-04-29
Inst Owners89.73%
Inst Owner ChangeN/A
Ins Owners7.96%
Ins Owner Change18.36%
Market Cap1.06B
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.73 (62.46%)
Short Float %9.64%
Short Ratio6.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)2%
PT rev (3m)-8.93%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)-9.54%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)-2.03%
Revenue NQ rev (3m)-2.72%
Revenue NY rev (1m)-2.65%
Revenue NY rev (3m)-3.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.43 | ||
| Fwd PE | 4.22 | ||
| P/S | 0.23 | ||
| P/FCF | 4.46 | ||
| P/OCF | 3.48 | ||
| P/B | 1.53 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.74 |
EPS(TTM)4.13
EY22.57%
EPS(NY)4.34
Fwd EY23.69%
FCF(TTM)4.11
FCFY22.44%
OCF(TTM)5.26
OCFY28.73%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.89
PEG (5Y)1.42
Graham Number33.35
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 | 2.71 |
F-Score5
WACC9.25%
ROIC/WACC0.91
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 2Y10.53%
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 Year4.74%
Revenue Next 2Y5.7%
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 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.
How profitable is UPBOUND GROUP INC (UPBD) stock?
UPBOUND GROUP INC (UPBD) has a profitability rating of 4 / 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 4.98% in the next year.
Can you provide the dividend sustainability for UPBD stock?
The dividend rating of UPBOUND GROUP INC (UPBD) is 7 / 10 and the dividend payout ratio is 119.97%.