UPLAND SOFTWARE INC (UPLD) Stock Fundamental Analysis
NASDAQ:UPLD • US91544A1097
1 USD
+0.02 (+1.69%)
At close: Feb 17, 2026
1.0448 USD
+0.04 (+4.48%)
After Hours: 2/17/2026, 8:00:02 PM
We assign a fundamental rating of 3 out of 10 to UPLD. UPLD was compared to 276 industry peers in the Software industry. UPLD may be in some trouble as it scores bad on both profitability and health. UPLD is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- UPLD had positive earnings in the past year.
- UPLD had a positive operating cash flow in the past year.
- In the past 5 years UPLD always reported negative net income.
- Each year in the past 5 years UPLD had a positive operating cash flow.
1.2 Ratios
- UPLD has a Return On Assets of -12.03%. This is in the lower half of the industry: UPLD underperforms 66.67% of its industry peers.
- With a Return On Equity value of -61.25%, UPLD is not doing good in the industry: 73.19% of the companies in the same industry are doing better.
- UPLD has a Return On Invested Capital of 1.74%. This is in the better half of the industry: UPLD outperforms 65.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -12.03% | ||
| ROE | -61.25% | ||
| ROIC | 1.74% |
ROA(3y)-16.65%
ROA(5y)-12.13%
ROE(3y)-68.46%
ROE(5y)-48.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Operating Margin, with a value of 3.05%, UPLD is in the better half of the industry, outperforming 64.49% of the companies in the same industry.
- UPLD has a Gross Margin (73.25%) which is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of UPLD has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.05% | ||
| PM (TTM) | N/A | ||
| GM | 73.25% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.66%
GM growth 5Y0.44%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UPLD is destroying value.
- UPLD has less shares outstanding than it did 1 year ago.
- UPLD has more shares outstanding than it did 5 years ago.
- UPLD has about the same debt/assets ratio as last year.
2.2 Solvency
- Based on the Altman-Z score of -1.56, we must say that UPLD is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of -1.56, UPLD is not doing good in the industry: 76.81% of the companies in the same industry are doing better.
- The Debt to FCF ratio of UPLD is 8.91, which is on the high side as it means it would take UPLD, 8.91 years of fcf income to pay off all of its debts.
- UPLD has a Debt to FCF ratio (8.91) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 2.85 is on the high side and indicates that UPLD has dependencies on debt financing.
- The Debt to Equity ratio of UPLD (2.85) is worse than 84.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.85 | ||
| Debt/FCF | 8.91 | ||
| Altman-Z | -1.56 |
ROIC/WACC0.26
WACC6.64%
2.3 Liquidity
- A Current Ratio of 0.78 indicates that UPLD may have some problems paying its short term obligations.
- UPLD has a worse Current ratio (0.78) than 86.23% of its industry peers.
- UPLD has a Quick Ratio of 0.78. This is a bad value and indicates that UPLD is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 0.78, UPLD is doing worse than 85.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
- UPLD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.96%, which is quite good.
- Measured over the past years, UPLD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.37% on average per year.
- Looking at the last year, UPLD shows a very negative growth in Revenue. The Revenue has decreased by -15.54% in the last year.
- The Revenue has been growing slightly by 4.30% on average over the past years.
EPS 1Y (TTM)15.96%
EPS 3Y-17.82%
EPS 5Y-13.37%
EPS Q2Q%-28.57%
Revenue 1Y (TTM)-15.54%
Revenue growth 3Y-3.1%
Revenue growth 5Y4.3%
Sales Q2Q%-24.24%
3.2 Future
- UPLD is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.94% yearly.
- UPLD is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -10.13% yearly.
EPS Next Y-25.86%
EPS Next 2Y-20.2%
EPS Next 3Y-11.94%
EPS Next 5YN/A
Revenue Next Year-20.66%
Revenue Next 2Y-13.68%
Revenue Next 3Y-10.13%
Revenue Next 5YN/A
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.
- 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. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 0.92, the valuation of UPLD can be described as very cheap.
- Based on the Price/Earnings ratio, UPLD is valued cheaper than 98.55% of the companies in the same industry.
- When comparing the Price/Earnings ratio of UPLD to the average of the S&P500 Index (27.16), we can say UPLD is valued rather cheaply.
- With a Price/Forward Earnings ratio of 1.30, the valuation of UPLD can be described as very cheap.
- Based on the Price/Forward Earnings ratio, UPLD is valued cheaply inside the industry as 98.91% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 28.10. UPLD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.92 | ||
| Fwd PE | 1.3 |
4.2 Price Multiples
- 94.20% of the companies in the same industry are more expensive than UPLD, based on the Enterprise Value to EBITDA ratio.
- UPLD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UPLD is cheaper than 99.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.1 | ||
| EV/EBITDA | 5.2 |
4.3 Compensation for Growth
- UPLD's earnings are expected to decrease with -11.94% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.2%
EPS Next 3Y-11.94%
5. Dividend
5.1 Amount
- No dividends for UPLD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1
+0.02 (+1.69%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-19 2026-02-19/amc
Inst Owners49.61%
Inst Owner Change-2%
Ins Owners17.07%
Ins Owner Change0.77%
Market Cap28.89M
Revenue(TTM)235.59M
Net Income(TTM)-49.21M
Analysts82.22
Price Target4.42 (342%)
Short Float %2.78%
Short Ratio3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)24.95%
Min EPS beat(2)-19.78%
Max EPS beat(2)69.69%
EPS beat(4)3
Avg EPS beat(4)44.45%
Min EPS beat(4)-19.78%
Max EPS beat(4)97.04%
EPS beat(8)6
Avg EPS beat(8)46.83%
EPS beat(12)8
Avg EPS beat(12)37.26%
EPS beat(16)11
Avg EPS beat(16)32.51%
Revenue beat(2)0
Avg Revenue beat(2)-1.16%
Min Revenue beat(2)-1.66%
Max Revenue beat(2)-0.65%
Revenue beat(4)1
Avg Revenue beat(4)-0.5%
Min Revenue beat(4)-1.7%
Max Revenue beat(4)2.02%
Revenue beat(8)3
Avg Revenue beat(8)-0.27%
Revenue beat(12)5
Avg Revenue beat(12)-0.15%
Revenue beat(16)6
Avg Revenue beat(16)-0.28%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)18.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.92 | ||
| Fwd PE | 1.3 | ||
| P/S | 0.12 | ||
| P/FCF | 1.1 | ||
| P/OCF | 1.04 | ||
| P/B | 0.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.2 |
EPS(TTM)1.09
EY109%
EPS(NY)0.77
Fwd EY77.04%
FCF(TTM)0.91
FCFY90.82%
OCF(TTM)0.96
OCFY96.31%
SpS8.15
BVpS2.78
TBVpS-8.56
PEG (NY)N/A
PEG (5Y)N/A
Graham Number8.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -12.03% | ||
| ROE | -61.25% | ||
| ROCE | 2.21% | ||
| ROIC | 1.74% | ||
| ROICexc | 1.88% | ||
| ROICexgc | N/A | ||
| OM | 3.05% | ||
| PM (TTM) | N/A | ||
| GM | 73.25% | ||
| FCFM | 11.14% |
ROA(3y)-16.65%
ROA(5y)-12.13%
ROE(3y)-68.46%
ROE(5y)-48.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.66%
GM growth 5Y0.44%
F-Score6
Asset Turnover0.58
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.85 | ||
| Debt/FCF | 8.91 | ||
| Debt/EBITDA | 4.97 | ||
| Cap/Depr | 4.07% | ||
| Cap/Sales | 0.67% | ||
| Interest Coverage | 0.38 | ||
| Cash Conversion | 60.32% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z | -1.56 |
F-Score6
WACC6.64%
ROIC/WACC0.26
Cap/Depr(3y)1.62%
Cap/Depr(5y)1.86%
Cap/Sales(3y)0.33%
Cap/Sales(5y)0.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15.96%
EPS 3Y-17.82%
EPS 5Y-13.37%
EPS Q2Q%-28.57%
EPS Next Y-25.86%
EPS Next 2Y-20.2%
EPS Next 3Y-11.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-15.54%
Revenue growth 3Y-3.1%
Revenue growth 5Y4.3%
Sales Q2Q%-24.24%
Revenue Next Year-20.66%
Revenue Next 2Y-13.68%
Revenue Next 3Y-10.13%
Revenue Next 5YN/A
EBIT growth 1Y132.59%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.23%
EBIT Next 3Y6%
EBIT Next 5YN/A
FCF growth 1Y-42.72%
FCF growth 3Y-16.84%
FCF growth 5Y16.17%
OCF growth 1Y-40.79%
OCF growth 3Y-16.57%
OCF growth 5Y14.94%
UPLAND SOFTWARE INC / UPLD FAQ
What is the ChartMill fundamental rating of UPLAND SOFTWARE INC (UPLD) stock?
ChartMill assigns a fundamental rating of 3 / 10 to UPLD.
Can you provide the valuation status for UPLAND SOFTWARE INC?
ChartMill assigns a valuation rating of 7 / 10 to UPLAND SOFTWARE INC (UPLD). This can be considered as Undervalued.
What is the profitability of UPLD stock?
UPLAND SOFTWARE INC (UPLD) has a profitability rating of 3 / 10.
What is the financial health of UPLAND SOFTWARE INC (UPLD) stock?
The financial health rating of UPLAND SOFTWARE INC (UPLD) is 1 / 10.