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.
  • 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.
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 in line with its industry peers.
  • UPBD's Return On Equity of 10.53% is fine compared to the rest of the industry. UPBD outperforms 64.23% 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 72.36% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for UPBD is below the industry average of 13.57%.
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 56.91% of the companies in the same industry.
  • UPBD's Profit Margin has declined in the last couple of years.
  • UPBD has a better Operating Margin (6.38%) than 72.36% of its industry peers.
  • UPBD's Operating Margin has declined in the last couple of years.
  • The Gross Margin of UPBD (48.39%) is better than 74.80% of its industry peers.
  • In the last couple of years the Gross Margin of UPBD has declined.
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.
  • The number of shares outstanding for UPBD has been increased compared to 1 year ago.
  • The number of shares outstanding for UPBD has been increased compared to 5 years ago.
  • 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 2.74. 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 comparable to the rest of the industry.
  • The Debt to FCF ratio of UPBD is 6.58, which is on the high side as it means it would take UPBD, 6.58 years of fcf income to pay off 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 57.72% of its industry peers.
  • A Debt/Equity ratio of 2.26 is on the high side and indicates that UPBD has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.26, UPBD is not doing good in the industry: 71.54% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.26
Debt/FCF 6.58
Altman-Z 2.74
ROIC/WACC1.24
WACC6.76%
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

  • UPBD has a Current Ratio of 1.99. This is a normal value and indicates that UPBD is financially healthy and should not expect problems in meeting its short term obligations.
  • UPBD's Current ratio of 1.99 is fine compared to the rest of the industry. UPBD outperforms 77.24% of its industry peers.
  • 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.
  • Looking at the Quick ratio, with a value of 0.39, UPBD is doing worse than 69.11% of the companies in the same industry.
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

  • 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.
  • The Revenue has been growing by 10.78% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 8.51% on average over the next years. This is quite good.
  • UPBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.79% yearly.
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.
  • 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 4.79, 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.
  • UPBD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • Based on the Price/Forward Earnings ratio of 4.56, the valuation of UPBD can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UPBD indicates a rather cheap valuation: UPBD is cheaper than 99.19% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. UPBD is valued rather cheaply when compared to this.
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 20 40 60

4.2 Price Multiples

  • 81.30% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
  • 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 RankSector Rank
P/FCF 4.81
EV/EBITDA 5.99
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)0.96
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 7.98%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.35, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.94% of the companies listed 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 7.98%

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
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, 8:12:33 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-0.16%
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 7.98%
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)-0.32%
Revenue NY rev (3m)-3.02%
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 5.99
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 2.74
F-Score5
WACC6.76%
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.