20.48 USD
-0.22 (-1.06%)
At close: Feb 10, 2026
20.48 USD
0 (0%)
After Hours: 2/10/2026, 8:00:02 PM
UPBD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 120 industry peers in the Specialty Retail industry. There are concerns on the financial health of UPBD while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on UPBD.
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.
- UPBD had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years UPBD had a positive operating cash flow.
1.2 Ratios
- UPBD has a Return On Assets of 2.63%. This is comparable to the rest of the industry: UPBD outperforms 58.33% of its industry peers.
- UPBD's Return On Equity of 12.29% is fine compared to the rest of the industry. UPBD outperforms 69.17% of its industry peers.
- UPBD's Return On Invested Capital of 10.19% is fine compared to the rest of the industry. UPBD outperforms 75.83% of its industry peers.
- UPBD had an Average Return On Invested Capital over the past 3 years of 11.93%. This is in line with the industry average of 12.16%.
| 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
- UPBD has a Profit Margin of 1.85%. This is comparable to the rest of the industry: UPBD outperforms 60.00% of its industry peers.
- In the last couple of years the Profit Margin of UPBD has declined.
- The Operating Margin of UPBD (6.66%) is better than 73.33% 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 74.17% 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 | 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.
- The number of shares outstanding for UPBD has been increased compared to 1 year ago.
- 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
- UPBD has an Altman-Z score of 2.72. 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 has a Altman-Z score (2.72) which is comparable to the rest of the 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 (10.99) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 2.25 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 2.25, UPBD is doing worse than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.72 |
ROIC/WACC0.98
WACC10.36%
2.3 Liquidity
- A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
- With a decent Current ratio value of 1.81, UPBD is doing good in the industry, outperforming 75.83% of the companies in the same industry.
- 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 61.67% of its industry peers.
| 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.
- The Revenue has been growing slightly by 7.48% in the past year.
- Measured over the past years, UPBD shows a quite strong growth in Revenue. The Revenue has been growing by 10.11% on average per year.
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
- Based on estimates for the next years, UPBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.46% on average per year.
- 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 Y9.53%
EPS Next 2Y11.87%
EPS Next 3Y15.39%
EPS Next 5Y11.46%
Revenue Next Year8.69%
Revenue Next 2Y8.12%
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.
- 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
- UPBD is valuated cheaply with a Price/Earnings ratio of 4.91.
- Compared to the rest of the industry, the Price/Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 97.50% 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 28.03.
- With a Price/Forward Earnings ratio of 4.27, 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.
- The average S&P500 Price/Forward Earnings ratio is at 27.97. UPBD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.91 | ||
| Fwd PE | 4.27 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaper than 85.00% of the companies 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 87.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.43 | ||
| EV/EBITDA | 6.09 |
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 15.39% in the coming years.
PEG (NY)0.52
PEG (5Y)0.43
EPS Next 2Y11.87%
EPS Next 3Y15.39%
5. Dividend
5.1 Amount
- UPBD has a Yearly Dividend Yield of 7.86%, which is a nice return.
- UPBD's Dividend Yield is rather good when compared to the industry average which is at 2.26. UPBD pays more dividend than 95.83% of the companies in the same industry.
- UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.86% |
5.2 History
- On average, the dividend of UPBD grows each year by 42.90%, which is quite nice.
- 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)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 2Y11.87%
EPS Next 3Y15.39%
20.48
-0.22 (-1.06%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.19B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target29.14 (42.29%)
Short Float %9.95%
Short Ratio7.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.86% |
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)-10.71%
PT rev (3m)-21.45%
EPS NQ rev (1m)0.84%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.26%
EPS NY rev (3m)6.28%
Revenue NQ rev (1m)-0.75%
Revenue NQ rev (3m)-1.4%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.91 | ||
| Fwd PE | 4.27 | ||
| P/S | 0.26 | ||
| P/FCF | 8.43 | ||
| P/OCF | 5.87 | ||
| P/B | 1.73 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.09 |
EPS(TTM)4.17
EY20.36%
EPS(NY)4.79
Fwd EY23.4%
FCF(TTM)2.43
FCFY11.86%
OCF(TTM)3.49
OCFY17.04%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.52
PEG (5Y)0.43
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 | 2.72 |
F-Score3
WACC10.36%
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 Y9.53%
EPS Next 2Y11.87%
EPS Next 3Y15.39%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.69%
Revenue Next 2Y8.12%
Revenue Next 3Y7.86%
Revenue Next 5Y5.79%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year46.27%
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 9.53% 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%.