UPBOUND GROUP INC (UPBD) Stock Fundamental Analysis
NASDAQ:UPBD • US76009N1000
20.08 USD
-0.8 (-3.83%)
Last: Mar 3, 2026, 12:09 PM
UPBD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 123 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. 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.
- In the past year UPBD had a positive cash flow from operations.
- UPBD had positive earnings in 4 of the past 5 years.
- Of the past 5 years UPBD 4 years had a positive operating cash flow.
1.2 Ratios
- UPBD's Return On Assets of 2.63% is in line compared to the rest of the industry. UPBD outperforms 58.54% of its industry peers.
- UPBD has a Return On Equity of 12.29%. This is in the better half of the industry: UPBD outperforms 69.92% of its industry peers.
- UPBD has a better Return On Invested Capital (8.85%) than 73.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROIC | 8.85% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of UPBD (1.85%) is better than 60.98% of its industry peers.
- UPBD's Profit Margin has declined in the last couple of years.
- UPBD's Operating Margin of 6.66% is fine compared to the rest of the industry. UPBD outperforms 74.80% 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 73.98% of the companies in the same industry.
- 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-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. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UPBD is destroying value.
- UPBD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 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 of 10.99. This is comparable to the rest of the industry: UPBD outperforms 52.85% of its industry peers.
- UPBD has a Debt/Equity ratio of 2.25. This is a high value indicating a heavy dependency on external financing.
- UPBD has a Debt to Equity ratio of 2.25. This is in the lower half of the industry: UPBD underperforms 69.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.73 |
ROIC/WACC0.93
WACC9.51%
2.3 Liquidity
- UPBD has a Current Ratio of 1.81. This is a normal value and indicates that UPBD is financially healthy and should not expect problems in meeting its short term obligations.
- UPBD has a better Current ratio (1.81) than 75.61% of its industry peers.
- A Quick Ratio of 0.37 indicates that UPBD may have some problems paying its short term obligations.
- UPBD's Quick ratio of 0.37 is on the low side compared to the rest of the industry. UPBD is outperformed by 60.98% 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 been growing slightly by 7.83% over the past year.
- The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
- 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
- UPBD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.39% yearly.
- The Revenue is expected to grow by 5.09% on average over the next years.
EPS Next Y16.05%
EPS Next 2Y19.36%
EPS Next 3Y13.56%
EPS Next 5Y12.39%
Revenue Next Year7.49%
Revenue Next 2Y7.48%
Revenue Next 3Y5.5%
Revenue Next 5Y5.09%
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. Valuation
4.1 Price/Earnings Ratio
- UPBD is valuated cheaply with a Price/Earnings ratio of 4.86.
- Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 97.56% of the companies are valued more expensively.
- UPBD is valuated cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 4.19, the valuation of UPBD can be described as very cheap.
- Based on the Price/Forward Earnings ratio, UPBD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.19 |
4.2 Price Multiples
- 83.74% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
- 84.55% 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 | 8.27 | ||
| EV/EBITDA | 6.14 |
4.3 Compensation for Growth
- The 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 13.56% in the coming years.
PEG (NY)0.3
PEG (5Y)1.55
EPS Next 2Y19.36%
EPS Next 3Y13.56%
5. Dividend
5.1 Amount
- UPBD has a Yearly Dividend Yield of 7.08%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.33, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.12% 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 | 7.08% |
5.2 History
- The dividend of UPBD is nicely growing with an annual growth rate of 42.90%!
- 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 2Y19.36%
EPS Next 3Y13.56%
NASDAQ:UPBD (3/3/2026, 12:09:48 PM)
20.08
-0.8 (-3.83%)
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 Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change17.96%
Market Cap1.16B
Revenue(TTM)4.70B
Net Income(TTM)84.48M
Analysts84.29
Price Target29.73 (48.06%)
Short Float %9.64%
Short Ratio6.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.08% |
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)-5.23%
PT rev (3m)-7.11%
EPS NQ rev (1m)-1.96%
EPS NQ rev (3m)-1.62%
EPS NY rev (1m)-0.95%
EPS NY rev (3m)-4.19%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.75%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.86 | ||
| Fwd PE | 4.19 | ||
| P/S | 0.25 | ||
| P/FCF | 8.27 | ||
| P/OCF | 5.76 | ||
| P/B | 1.69 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.14 |
EPS(TTM)4.13
EY20.57%
EPS(NY)4.79
Fwd EY23.87%
FCF(TTM)2.43
FCFY12.09%
OCF(TTM)3.49
OCFY17.38%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.3
PEG (5Y)1.55
Graham Number33.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROCE | 12.89% | ||
| ROIC | 8.85% | ||
| ROICexc | 9.27% | ||
| ROICexgc | 14.95% | ||
| OM | 6.66% | ||
| PM (TTM) | 1.85% | ||
| GM | 47.91% | ||
| FCFM | 3.07% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-Score4
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 | 2.73 |
F-Score4
WACC9.51%
ROIC/WACC0.93
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y16.05%
EPS Next 2Y19.36%
EPS Next 3Y13.56%
EPS Next 5Y12.39%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y3.41%
Revenue growth 5Y10.78%
Sales Q2Q%10.86%
Revenue Next Year7.49%
Revenue Next 2Y7.48%
Revenue Next 3Y5.5%
Revenue Next 5Y5.09%
EBIT growth 1Y1.51%
EBIT growth 3Y1.48%
EBIT growth 5Y3.57%
EBIT Next Year44.55%
EBIT Next 3Y16.75%
EBIT Next 5Y17.09%
FCF growth 1Y64.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y37.39%
OCF growth 3YN/A
OCF growth 5YN/A
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 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 16.05% 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%.