19.21 USD
-0.63 (-3.18%)
19.4912 USD
+0.28 (+1.46%)
Overall UPBD gets a fundamental rating of 5 out of 10. We evaluated UPBD against 122 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.
UPBD had a positive operating cash flow in the past year.
Of the past 5 years UPBD 4 years were profitable.
In the past 5 years UPBD always reported a positive cash flow from operatings.
1.2 Ratios
UPBD's Return On Assets of 2.63% is in line compared to the rest of the industry. UPBD outperforms 57.38% of its industry peers.
Looking at the Return On Equity, with a value of 12.29%, UPBD is in the better half of the industry, outperforming 69.67% of the companies in the same industry.
UPBD has a Return On Invested Capital of 10.19%. This is in the better half of the industry: UPBD outperforms 76.23% 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 12.24%.
| 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 (1.85%) 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 (6.66%) is better than 73.77% of its industry peers.
UPBD's Operating Margin has declined in the last couple of years.
UPBD's Gross Margin of 47.91% is fine compared to the rest of the industry. UPBD outperforms 73.77% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), UPBD is 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 2.71 indicates that UPBD is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of UPBD (2.71) 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.
The Debt to FCF ratio of UPBD (10.99) 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.
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 70.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.98
WACC10.36%
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 76.23% of its industry peers.
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 worse Quick ratio (0.37) than 62.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 |
3. Growth
3.1 Past
UPBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.16%, which is quite good.
UPBD shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
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.
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 Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
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
Based on the Price/Earnings ratio of 4.61, the valuation of UPBD can be described as very cheap.
97.54% of the companies in the same industry are more expensive than UPBD, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.25. UPBD is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 3.89, the valuation of UPBD can be described as very cheap.
Based on the Price/Forward Earnings ratio, UPBD is valued cheaper than 100.00% of the companies in the same industry.
UPBD is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.61 | ||
| Fwd PE | 3.89 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaply inside the industry as 81.15% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 88.52% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.91 | ||
| EV/EBITDA | 6 |
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 16.97% in the coming years.
PEG (NY)0.5
PEG (5Y)0.41
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.20%, UPBD is a good candidate for dividend investing.
UPBD's Dividend Yield is rather good when compared to the industry average which is at 2.13. UPBD pays more dividend than 95.90% of the companies in the same industry.
UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
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
101.77% of the earnings are spent on dividend by UPBD. 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 2Y13.56%
EPS Next 3Y16.97%
19.21
-0.63 (-3.18%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.11B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (69.91%)
Short Float %7.77%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
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)0%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.61 | ||
| Fwd PE | 3.89 | ||
| P/S | 0.24 | ||
| P/FCF | 7.91 | ||
| P/OCF | 5.51 | ||
| P/B | 1.62 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6 |
EPS(TTM)4.17
EY21.71%
EPS(NY)4.94
Fwd EY25.71%
FCF(TTM)2.43
FCFY12.64%
OCF(TTM)3.49
OCFY18.16%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.5
PEG (5Y)0.41
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 | 2.71 |
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 Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
Revenue Next 5Y5.79%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year46.36%
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 9.24% 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%.