UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation
NASDAQ:UPBD • US76009N1000
Current stock price
19.78 USD
0 (0%)
Last:
This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. UPBD Profitability Analysis
1.1 Basic Checks
- In the past year UPBD was profitable.
- UPBD had a positive operating cash flow in the past year.
- UPBD had positive earnings in 4 of the past 5 years.
- In the past 5 years UPBD always reported a positive cash flow from operatings.
1.2 Ratios
- UPBD has a Return On Assets of 2.24%. This is comparable to the rest of the industry: UPBD outperforms 56.10% of its industry peers.
- UPBD has a better Return On Equity (10.53%) than 65.85% of its industry peers.
- UPBD has a Return On Invested Capital of 8.40%. This is in the better half of the industry: UPBD outperforms 73.17% of its industry peers.
- UPBD had an Average Return On Invested Capital over the past 3 years of 9.97%. This is below the industry average of 13.58%.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Profit Margin, with a value of 1.56%, UPBD is in line with its industry, outperforming 57.72% of the companies in the same industry.
- In the last couple of years the Profit Margin of UPBD has declined.
- The Operating Margin of UPBD (6.38%) is better than 73.17% of its industry peers.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a Gross Margin of 48.39%. This is in the better half of the industry: UPBD outperforms 74.80% of its industry peers.
- UPBD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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
- UPBD has a better debt/assets ratio than last year.
2.2 Solvency
- UPBD has an Altman-Z score of 2.74. 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.
- The Altman-Z score of UPBD (2.74) is better than 60.16% of its industry peers.
- 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.
- Looking at the Debt to FCF ratio, with a value of 6.58, UPBD is in line with its industry, outperforming 59.35% of the companies in the same industry.
- UPBD has a Debt/Equity ratio of 2.26. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 2.26, UPBD is not doing good in the industry: 69.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.26 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | 2.74 |
ROIC/WACC1.25
WACC6.74%
2.3 Liquidity
- A Current Ratio of 1.99 indicates that UPBD should not have too much problems paying its short term obligations.
- With a decent Current ratio value of 1.99, UPBD is doing good in the industry, outperforming 76.42% of the companies in the same industry.
- A Quick Ratio of 0.39 indicates that UPBD may have some problems paying its short term obligations.
- UPBD has a Quick ratio of 0.39. This is in the lower half of the industry: UPBD underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.99 | ||
| Quick Ratio | 0.39 |
3. UPBD Growth Analysis
3.1 Past
- UPBD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.83%.
- The Earnings Per Share has been growing slightly by 3.13% on average over the past years.
- Looking at the last year, UPBD shows a quite strong growth in Revenue. The Revenue has grown by 8.67% in the last year.
- 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
- Based on estimates for the next years, UPBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.51% on average per year.
- Based on estimates for the next years, UPBD will show a small growth in Revenue. The Revenue will grow by 3.79% on average per year.
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
- 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.
- 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. UPBD Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 4.79, the valuation of UPBD can be described as very cheap.
- Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 98.37% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.66. UPBD is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 4.56, which indicates a rather cheap valuation of UPBD.
- 100.00% of the companies in the same industry are more expensive than UPBD, based on the Price/Forward Earnings ratio.
- UPBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.56 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, UPBD is valued cheaply inside the industry as 82.11% 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 93.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.82 | ||
| EV/EBITDA | 5.99 |
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)0.96
PEG (5Y)1.53
EPS Next 2Y9.33%
EPS Next 3Y8.28%
5. UPBD Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 8.26%, UPBD is a good candidate for dividend investing.
- UPBD's Dividend Yield is rather good when compared to the industry average which is at 3.35. UPBD pays more dividend than 95.94% of the companies in the same industry.
- UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.26% |
5.2 History
- On average, the dividend of UPBD grows each year by 6.14%, 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)6.14%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
- UPBD pays out 119.97% of its income as dividend. This is not a sustainable payout ratio.
- UPBD's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP119.97%
EPS Next 2Y9.33%
EPS Next 3Y8.28%
UPBD Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:UPBD (4/22/2026, 12:19:58 PM)
19.78
0 (0%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19 2026-02-19/bmo
Earnings (Next)04-30 2026-04-30
Inst Owners89.81%
Inst Owner Change-0.08%
Ins Owners7.98%
Ins Owner Change19.15%
Market Cap1.15B
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.43 (48.79%)
Short Float %9.29%
Short Ratio5.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.26% |
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-07 2026-04-07 (0.39)
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)-1.77%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.79 | ||
| Fwd PE | 4.56 | ||
| P/S | 0.24 | ||
| P/FCF | 4.82 | ||
| P/OCF | 3.76 | ||
| P/B | 1.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.99 |
EPS(TTM)4.13
EY20.88%
EPS(NY)4.34
Fwd EY21.92%
FCF(TTM)4.11
FCFY20.76%
OCF(TTM)5.26
OCFY26.58%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.96
PEG (5Y)1.53
Graham Number33.3524 (68.62%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.74 |
F-Score5
WACC6.74%
ROIC/WACC1.25
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)7.83%
EPS 3Y3.83%
EPS 5Y3.13%
EPS Q2Q%-3.81%
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%10.86%
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 4.79 and the Price/Book (PB) ratio is 1.65.
What is the financial health of UPBOUND GROUP INC (UPBD) stock?
The financial health rating of UPBOUND GROUP INC (UPBD) is 3 / 10.