UPBOUND GROUP INC (UPBD)
US76009N1000 - Common Stock
Overall UPBD gets a fundamental rating of 5 out of 10. We evaluated UPBD against 123 industry peers in the Specialty Retail industry. UPBD has an average financial health and profitability rating. UPBD is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
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
UPBD has a better Return On Assets (3.15%) than 60.33% of its industry peers.
With a decent Return On Equity value of 13.28%, UPBD is doing good in the industry, outperforming 71.90% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 12.52%, UPBD belongs to the top of the industry, outperforming 80.99% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for UPBD is in line with the industry average of 12.26%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.15% | ||
| ROE | 13.28% | ||
| ROIC | 12.52% |
ROA(3y)1.59%
ROA(5y)5.52%
ROE(3y)9.24%
ROE(5y)20.13%
ROIC(3y)13.01%
ROIC(5y)18.02%
1.3 Margins
UPBD has a Profit Margin of 1.91%. This is comparable to the rest of the industry: UPBD outperforms 57.85% of its industry peers.
The Operating Margin of UPBD (7.05%) is better than 76.03% of its industry peers.
In the last couple of years the Operating Margin of UPBD has grown nicely.
Looking at the Gross Margin, with a value of 48.94%, UPBD is in the better half of the industry, outperforming 77.69% of the companies in the same industry.
In the last couple of years the Gross Margin of UPBD has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.05% | ||
| PM (TTM) | 1.91% | ||
| GM | 48.94% |
OM growth 3Y-7.35%
OM growth 5Y11.64%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.18%
GM growth 5Y-4.41%
2. Health
2.1 Basic Checks
UPBD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, UPBD has less shares outstanding
Compared to 5 years ago, UPBD has more shares outstanding
UPBD has a better debt/assets ratio than last year.
2.2 Solvency
UPBD has an Altman-Z score of 3.47. This indicates that UPBD is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 3.47, UPBD is doing good in the industry, outperforming 76.03% of the companies in the same industry.
The Debt to FCF ratio of UPBD is 14.42, which is on the high side as it means it would take UPBD, 14.42 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UPBD (14.42) is comparable to the rest of the industry.
A Debt/Equity ratio of 2.02 is on the high side and indicates that UPBD has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.02, UPBD is doing worse than 70.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.02 | ||
| Debt/FCF | 14.42 | ||
| Altman-Z | 3.47 |
ROIC/WACC1.27
WACC9.88%
2.3 Liquidity
A Current Ratio of 2.08 indicates that UPBD has no problem at all paying its short term obligations.
The Current ratio of UPBD (2.08) is better than 79.34% of its industry peers.
UPBD has a Quick Ratio of 2.08. 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 0.41, UPBD is not doing good in the industry: 60.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.08 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
UPBD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.00%.
The Earnings Per Share has been growing by 28.01% on average over the past years. This is a very strong growth
UPBD shows a small growth in Revenue. In the last year, the Revenue has grown by 7.43%.
The Revenue has been growing by 8.46% on average over the past years. This is quite good.
EPS 1Y (TTM)0%
EPS 3Y0%
EPS 5Y28.01%
EPS Q2Q%20.25%
Revenue 1Y (TTM)7.43%
Revenue growth 3Y12.36%
Revenue growth 5Y8.46%
Sales Q2Q%9.17%
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 8.96% yearly.
Based on estimates for the next years, UPBD will show a small growth in Revenue. The Revenue will grow by 3.86% on average per year.
EPS Next Y9.66%
EPS Next 2Y11.58%
EPS Next 3Y14.18%
EPS Next 5Y8.96%
Revenue Next Year8.35%
Revenue Next 2Y6.22%
Revenue Next 3Y5.46%
Revenue Next 5Y3.86%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.19, which indicates a very decent valuation of UPBD.
Based on the Price/Earnings ratio, UPBD is valued cheaper than 93.39% of the companies in the same industry.
When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (28.96), we can say UPBD is valued rather cheaply.
The Price/Forward Earnings ratio is 7.48, which indicates a rather cheap valuation of UPBD.
Based on the Price/Forward Earnings ratio, UPBD is valued cheaply inside the industry as 91.74% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
UPBD's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. UPBD is cheaper than 77.69% of the companies in the same industry.
68.59% 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 | 21.07 | ||
| EV/EBITDA | 6.79 |
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.
The decent profitability rating of UPBD may justify a higher PE ratio.
A more expensive valuation may be justified as UPBD's earnings are expected to grow with 14.18% in the coming years.
PEG (NY)0.95
PEG (5Y)0.33
EPS Next 2Y11.58%
EPS Next 3Y14.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.56%, UPBD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.09, UPBD pays a better dividend. On top of this UPBD pays more dividend than 94.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.23, UPBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.56% |
5.2 History
UPBD has paid a dividend for at least 10 years, which is a reliable track record.
UPBD has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
99.30% of the earnings are spent on dividend by UPBD. This is not a sustainable payout ratio.
DP99.3%
EPS Next 2Y11.58%
EPS Next 3Y14.18%
UPBOUND GROUP INC
NASDAQ:UPBD (11/21/2024, 8:00:01 PM)
After market: 32.99 0 (0%)32.99
+0.88 (+2.74%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.80B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.56% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 7.48 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.95
PEG (5Y)0.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.15% | ||
| ROE | 13.28% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 7.05% | ||
| PM (TTM) | 1.91% | ||
| GM | 48.94% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.02 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.08 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y0%
EPS 5Y
EPS Q2Q%
EPS Next Y9.66%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.43%
Revenue growth 3Y12.36%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y