UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation

NASDAQ:UPBD • US76009N1000

Current stock price

19.19 USD
-0.57 (-2.88%)
At close:
19.19 USD
0 (0%)
After Hours:

This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

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.
  • Of the past 5 years UPBD 4 years were profitable.
  • UPBD had a positive operating cash flow in each of the past 5 years.
UPBD Yearly Net Income VS EBIT VS OCF VS FCFUPBD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M 400M

1.2 Ratios

  • UPBD has a Return On Assets (2.24%) which is comparable to the rest of the industry.
  • UPBD has a better Return On Equity (10.53%) than 64.23% of its industry peers.
  • With a decent Return On Invested Capital value of 8.40%, UPBD is doing good in the industry, outperforming 72.36% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for UPBD is below the industry average of 13.24%.
Industry RankSector 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%
UPBD Yearly ROA, ROE, ROICUPBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • UPBD has a Profit Margin of 1.56%. This is comparable to the rest of the industry: UPBD outperforms 56.91% of its industry peers.
  • UPBD's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 6.38%, UPBD is in the better half of the industry, outperforming 72.36% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UPBD has declined.
  • With a decent Gross Margin value of 48.39%, UPBD is doing good in the industry, outperforming 74.80% of the companies in the same industry.
  • UPBD's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
UPBD Yearly Profit, Operating, Gross MarginsUPBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • UPBD has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, UPBD has more shares outstanding
  • The debt/assets ratio for UPBD has been reduced compared to a year ago.
UPBD Yearly Shares OutstandingUPBD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
UPBD Yearly Total Debt VS Total AssetsUPBD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • UPBD has an Altman-Z score of 2.73. 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.
  • With a Altman-Z score value of 2.73, UPBD perfoms like the industry average, outperforming 58.54% of the companies in the same industry.
  • UPBD has a debt to FCF ratio of 6.58. This is a slightly negative value and a sign of low solvency as UPBD would need 6.58 years to pay back of all of its debts.
  • The Debt to FCF ratio of UPBD (6.58) is comparable to the rest of the industry.
  • UPBD has a Debt/Equity ratio of 2.26. This is a high value indicating a heavy dependency on external financing.
  • UPBD has a Debt to Equity ratio of 2.26. This is in the lower half of the industry: UPBD underperforms 71.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.26
Debt/FCF 6.58
Altman-Z 2.73
ROIC/WACC1.18
WACC7.1%
UPBD Yearly LT Debt VS Equity VS FCFUPBD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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 better Current ratio (1.99) than 77.24% of its industry peers.
  • A Quick Ratio of 0.39 indicates that UPBD may have some problems paying its short term obligations.
  • UPBD has a worse Quick ratio (0.39) than 69.11% of its industry peers.
Industry RankSector Rank
Current Ratio 1.99
Quick Ratio 0.39
UPBD Yearly Current Assets VS Current LiabilitesUPBD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UPBD Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.21% over the past year.
  • UPBD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.13% yearly.
  • Looking at the last year, UPBD shows a quite strong growth in Revenue. The Revenue has grown by 8.67% in the last year.
  • The Revenue has been growing by 10.78% on average over the past years. This is quite good.
EPS 1Y (TTM)4.21%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%8%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y3.41%
Revenue growth 5Y10.78%
Sales Q2Q%3.69%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.51% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.79% on average over the next years.
EPS Next Y4.98%
EPS Next 2Y9.33%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue Next Year4.41%
Revenue Next 2Y5.43%
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.
UPBD Yearly Revenue VS EstimatesUPBD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B 5B
UPBD Yearly EPS VS EstimatesUPBD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

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8

4. UPBD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.56, the valuation of UPBD can be described as very cheap.
  • Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 97.56% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (26.64), we can say UPBD is valued rather cheaply.
  • The Price/Forward Earnings ratio is 3.89, which indicates a rather cheap valuation of UPBD.
  • Based on the Price/Forward Earnings ratio, UPBD is valued cheaply inside the industry as 99.19% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, UPBD is valued rather cheaply.
Industry RankSector Rank
PE 4.56
Fwd PE 3.89
UPBD Price Earnings VS Forward Price EarningsUPBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • 78.86% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
  • UPBD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UPBD is cheaper than 93.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.67
EV/EBITDA 5.91
UPBD Per share dataUPBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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)0.92
PEG (5Y)1.46
EPS Next 2Y9.33%
EPS Next 3Y8.28%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. UPBD Dividend Analysis

5.1 Amount

  • UPBD has a Yearly Dividend Yield of 7.89%, which is a nice return.
  • UPBD's Dividend Yield is rather good when compared to the industry average which is at 3.80. UPBD pays more dividend than 95.12% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, UPBD pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.89%

5.2 History

  • On average, the dividend of UPBD grows each year by 6.14%, 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)6.14%
Div Incr Years4
Div Non Decr Years4
UPBD Yearly Dividends per shareUPBD Yearly Dividends per shareYearly Dividends per share 2016 2017 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 119.97% of the earnings are spent on dividend by UPBD. This is not a sustainable payout ratio.
  • The dividend of UPBD is growing, but earnings are growing more, so the dividend growth is sustainable.
DP119.97%
EPS Next 2Y9.33%
EPS Next 3Y8.28%
UPBD Yearly Income VS Free CF VS DividendUPBD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M 400M
UPBD Dividend Payout.UPBD Dividend Payout, showing the Payout Ratio.UPBD Dividend Payout.PayoutRetained Earnings

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UPBD Fundamentals: All Metrics, Ratios and Statistics

UPBOUND GROUP INC

NASDAQ:UPBD (5/1/2026, 8:00:53 PM)

After market: 19.19 0 (0%)

19.19

-0.57 (-2.88%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Industry Strength32.3
Industry Growth57.14
Earnings (Last)04-30
Earnings (Next)07-29
Inst Owners89.81%
Inst Owner Change-0.72%
Ins Owners7.98%
Ins Owner Change19.15%
Market Cap1.12B
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.43 (53.36%)
Short Float %9.54%
Short Ratio5.63
Dividend
Industry RankSector Rank
Dividend Yield 7.89%
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-07
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)-0.98%
PT rev (3m)-6.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.9%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.02%
Valuation
Industry RankSector Rank
PE 4.56
Fwd PE 3.89
P/S 0.24
P/FCF 4.67
P/OCF 3.65
P/B 1.6
P/tB N/A
EV/EBITDA 5.91
EPS(TTM)4.21
EY21.94%
EPS(NY)4.94
Fwd EY25.72%
FCF(TTM)4.11
FCFY21.4%
OCF(TTM)5.26
OCFY27.4%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.92
PEG (5Y)1.46
Graham Number33.6739 (75.48%)
Profitability
Industry RankSector 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 RankSector 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 2.73
F-Score5
WACC7.1%
ROIC/WACC1.18
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)4.21%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%8%
EPS Next Y4.98%
EPS Next 2Y9.33%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y3.41%
Revenue growth 5Y10.78%
Sales Q2Q%3.69%
Revenue Next Year4.41%
Revenue Next 2Y5.43%
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 Fundamental Analysis 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.


Can you provide the profitability details for UPBOUND GROUP INC?

UPBOUND GROUP INC (UPBD) has a profitability rating of 4 / 10.


What is the valuation of UPBOUND GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UPBOUND GROUP INC (UPBD) is 4.56 and the Price/Book (PB) ratio is 1.6.


What is the financial health of UPBOUND GROUP INC (UPBD) stock?

The financial health rating of UPBOUND GROUP INC (UPBD) is 3 / 10.