UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation

NASDAQ:UPBD • US76009N1000

Current stock price

19.77 USD
+0.23 (+1.18%)
At close:
19.77 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.
  • In the past year UPBD had a positive cash flow from operations.
  • Of the past 5 years UPBD 4 years were profitable.
  • Each year in the past 5 years UPBD had a positive operating cash flow.
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

  • The Return On Assets of UPBD (2.24%) is comparable to the rest of the industry.
  • With a decent Return On Equity value of 10.53%, UPBD is doing good in the industry, outperforming 65.85% of the companies in the same industry.
  • UPBD's Return On Invested Capital of 8.40% is fine compared to the rest 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 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

  • 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.
  • UPBD's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 6.38%, UPBD is doing good in the industry, outperforming 73.17% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UPBD has declined.
  • UPBD has a better Gross Margin (48.39%) than 74.80% of its industry peers.
  • 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.
  • UPBD has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, UPBD has an improved debt to assets ratio.
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

  • 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.
  • UPBD has a Altman-Z score of 2.73. This is in the better half of the industry: UPBD outperforms 60.98% 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.
  • UPBD has a Debt to FCF ratio of 6.58. This is comparable to the rest of the industry: UPBD outperforms 59.35% of its industry peers.
  • UPBD has a Debt/Equity ratio of 2.26. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of UPBD (2.26) is worse than 69.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.26
Debt/FCF 6.58
Altman-Z 2.73
ROIC/WACC1.24
WACC6.78%
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.
  • 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.
  • UPBD has a Quick Ratio of 1.99. 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 (0.39) than 66.67% 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 7.83% 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.
  • UPBD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.67%.
  • 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.
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

  • The Price/Earnings ratio is 4.79, which indicates a rather cheap valuation of UPBD.
  • Compared to the rest of the industry, the Price/Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 98.37% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (27.47), we can say UPBD is valued rather cheaply.
  • 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 22.62.
Industry RankSector Rank
PE 4.79
Fwd PE 4.56
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

  • UPBD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. UPBD is cheaper than 82.11% of the companies in the same industry.
  • UPBD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UPBD is cheaper than 94.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.81
EV/EBITDA 5.95
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

  • The 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%

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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 8.26%, which is a nice return.
  • 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.
  • Compared to an average S&P500 Dividend Yield of 1.81, UPBD pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.26%

5.2 History

  • The dividend of UPBD is nicely growing with an annual growth rate of 6.14%!
  • 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

  • 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 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 (4/24/2026, 5:02:52 PM)

After market: 19.77 0 (0%)

19.77

+0.23 (+1.18%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19
Earnings (Next)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 (48.86%)
Short Float %9.29%
Short Ratio5.67
Dividend
Industry RankSector 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
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 RankSector Rank
PE 4.79
Fwd PE 4.56
P/S 0.24
P/FCF 4.81
P/OCF 3.76
P/B 1.65
P/tB N/A
EV/EBITDA 5.95
EPS(TTM)4.13
EY20.89%
EPS(NY)4.34
Fwd EY21.93%
FCF(TTM)4.11
FCFY20.77%
OCF(TTM)5.26
OCFY26.59%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.96
PEG (5Y)1.53
Graham Number33.3524 (68.7%)
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
WACC6.78%
ROIC/WACC1.24
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.