UPBOUND GROUP INC (UPBD) Fundamental Analysis & Valuation
NASDAQ:UPBD • US76009N1000
17.93 USD
-0.37 (-2.02%)
At close: Mar 12, 2026
17.93 USD
0 (0%)
After Hours: 3/12/2026, 8:14:37 PM
This UPBD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 5 out of 10 to UPBD. UPBD was compared to 124 industry peers in the Specialty Retail industry. UPBD has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on UPBD. UPBD also has an excellent dividend rating.
1. UPBD Profitability Analysis
1.1 Basic Checks
- In the past year UPBD was profitable.
- In the past year UPBD had a positive cash flow from operations.
- Of the past 5 years UPBD 4 years were profitable.
- 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 57.26% of its industry peers.
- Looking at the Return On Equity, with a value of 10.53%, UPBD is in the better half of the industry, outperforming 67.74% of the companies in the same industry.
- UPBD has a better Return On Invested Capital (8.40%) than 73.39% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for UPBD is below the industry average of 13.59%.
| 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
- With a Profit Margin value of 1.56%, UPBD perfoms like the industry average, outperforming 58.87% 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 74.19% of its industry peers.
- In the last couple of years the Operating Margin of UPBD has declined.
- UPBD has a better Gross Margin (48.39%) than 75.00% of its industry peers.
- In the last couple of years the Gross Margin of UPBD has declined.
| 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
- UPBD has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, UPBD has more shares outstanding
- UPBD has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for UPBD has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.72 indicates that UPBD is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of UPBD (2.72) is comparable to the rest of the 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.
- Looking at the Debt to FCF ratio, with a value of 6.58, UPBD is in line with its industry, outperforming 59.68% of the companies in the same industry.
- A Debt/Equity ratio of 2.26 is on the high side and indicates that UPBD has dependencies on debt financing.
- UPBD's Debt to Equity ratio of 2.26 is on the low side compared to the rest of the industry. UPBD is outperformed by 68.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.26 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | 2.72 |
ROIC/WACC0.91
WACC9.22%
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.
- The Current ratio of UPBD (1.99) is better than 79.84% 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.
- The Quick ratio of UPBD (0.39) is comparable to the rest of the industry.
| 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%.
- 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.
- Measured over the past years, UPBD shows a quite strong growth in Revenue. The Revenue has been growing by 10.78% on average per year.
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
- UPBD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.51% yearly.
- 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 2Y10.53%
EPS Next 3Y8.28%
EPS Next 5Y8.51%
Revenue Next Year4.74%
Revenue Next 2Y5.7%
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
- A Price/Earnings ratio of 4.34 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 97.58% of the companies listed in the same industry.
- UPBD is valuated cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 4.14, which indicates a rather cheap valuation of UPBD.
- UPBD's Price/Forward Earnings ratio is rather cheap when compared to the industry. UPBD is cheaper than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, UPBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.34 | ||
| Fwd PE | 4.14 |
4.2 Price Multiples
- 83.87% 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 93.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.37 | ||
| EV/EBITDA | 5.79 |
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)0.87
PEG (5Y)1.39
EPS Next 2Y10.53%
EPS Next 3Y8.28%
5. UPBD Dividend Analysis
5.1 Amount
- UPBD has a Yearly Dividend Yield of 7.27%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.36, UPBD pays a better dividend. On top of this UPBD pays more dividend than 95.97% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, UPBD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
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 Years3
Div Non Decr Years3
5.3 Sustainability
- UPBD pays out 119.97% of its income as dividend. 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 2Y10.53%
EPS Next 3Y8.28%
UPBD Fundamentals: All Metrics, Ratios and Statistics
17.93
-0.37 (-2.02%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-19 2026-02-19/bmo
Earnings (Next)04-29 2026-04-29
Inst Owners89.73%
Inst Owner ChangeN/A
Ins Owners7.96%
Ins Owner Change17.96%
Market Cap1.04B
Revenue(TTM)4.70B
Net Income(TTM)73.24M
Analysts83.08
Price Target29.73 (65.81%)
Short Float %9.64%
Short Ratio6.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.27% |
Yearly Dividend1.56
Dividend Growth(5Y)6.14%
DP119.97%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)2%
PT rev (3m)-8.93%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)-9.54%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)-2.03%
Revenue NQ rev (3m)-2.72%
Revenue NY rev (1m)-2.65%
Revenue NY rev (3m)-3.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.34 | ||
| Fwd PE | 4.14 | ||
| P/S | 0.22 | ||
| P/FCF | 4.37 | ||
| P/OCF | 3.41 | ||
| P/B | 1.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.79 |
EPS(TTM)4.13
EY23.03%
EPS(NY)4.34
Fwd EY24.18%
FCF(TTM)4.11
FCFY22.91%
OCF(TTM)5.26
OCFY29.32%
SpS80.78
BVpS11.97
TBVpS-2.44
PEG (NY)0.87
PEG (5Y)1.39
Graham Number33.35
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 | 2.72 |
F-Score5
WACC9.22%
ROIC/WACC0.91
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 2Y10.53%
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 Year4.74%
Revenue Next 2Y5.7%
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 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.
How profitable is UPBOUND GROUP INC (UPBD) stock?
UPBOUND GROUP INC (UPBD) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for UPBD stock?
The Earnings per Share (EPS) of UPBOUND GROUP INC (UPBD) is expected to grow by 4.98% in the next year.
Can you provide the dividend sustainability for UPBD stock?
The dividend rating of UPBOUND GROUP INC (UPBD) is 7 / 10 and the dividend payout ratio is 119.97%.