20.11 USD
+0.57 (+2.92%)
20.02 USD
-0.09 (-0.45%)
Taking everything into account, UPBD scores 5 out of 10 in our fundamental rating. UPBD was compared to 122 industry peers in the Specialty Retail industry. While UPBD is still in line with the averages on profitability rating, there are concerns on its financial health. UPBD is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- UPBD had positive earnings in the past year.
- UPBD had a positive operating cash flow in the past year.
- UPBD had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years UPBD had a positive operating cash flow.
1.2 Ratios
- UPBD has a Return On Assets (2.63%) which is in line with its industry peers.
- The Return On Equity of UPBD (12.29%) is better than 69.67% of its industry peers.
- The Return On Invested Capital of UPBD (10.19%) is better than 76.23% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for UPBD is in line with the industry average of 12.24%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROIC | 10.19% |
ROA(3y)1.64%
ROA(5y)4.26%
ROE(3y)7.02%
ROE(5y)16.5%
ROIC(3y)11.93%
ROIC(5y)14.36%
1.3 Margins
- With a Profit Margin value of 1.85%, UPBD perfoms like the industry average, outperforming 59.84% of the companies in the same industry.
- UPBD's Profit Margin has declined in the last couple of years.
- UPBD's Operating Margin of 6.66% is fine compared to the rest of the industry. UPBD outperforms 73.77% of its industry peers.
- UPBD's Operating Margin has declined in the last couple of years.
- UPBD has a Gross Margin of 47.91%. This is in the better half of the industry: UPBD outperforms 73.77% of its industry peers.
- UPBD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.66% | ||
| PM (TTM) | 1.85% | ||
| GM | 47.91% |
OM growth 3Y-9.14%
OM growth 5Y-11.16%
PM growth 3Y-0.98%
PM growth 5Y-15.15%
GM growth 3Y-0.42%
GM growth 5Y-4.8%
2. Health
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.
- The number of shares outstanding for UPBD remains at a similar level compared to 5 years ago.
- UPBD has a worse debt/assets ratio than last year.
2.2 Solvency
- UPBD has an Altman-Z score of 2.71. 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.
- UPBD has a Altman-Z score (2.71) which is comparable to the rest of the industry.
- UPBD has a debt to FCF ratio of 10.99. This is a negative value and a sign of low solvency as UPBD would need 10.99 years to pay back of all of its debts.
- The Debt to FCF ratio of UPBD (10.99) is comparable to the rest of the industry.
- A Debt/Equity ratio of 2.25 is on the high side and indicates that UPBD has dependencies on debt financing.
- The Debt to Equity ratio of UPBD (2.25) is worse than 70.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Altman-Z | 2.71 |
ROIC/WACC0.99
WACC10.34%
2.3 Liquidity
- A Current Ratio of 1.81 indicates that UPBD should not have too much problems paying its short term obligations.
- UPBD's Current ratio of 1.81 is fine compared to the rest of the industry. UPBD outperforms 76.23% of its industry peers.
- A Quick Ratio of 0.37 indicates that UPBD may have some problems paying its short term obligations.
- The Quick ratio of UPBD (0.37) is worse than 62.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 |
3. Growth
3.1 Past
- UPBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.16%, which is quite good.
- The Earnings Per Share has been growing by 11.32% on average over the past years. This is quite good.
- The Revenue has been growing slightly by 7.48% in the past year.
- The Revenue has been growing by 10.11% on average over the past years. This is quite good.
EPS 1Y (TTM)16.16%
EPS 3Y-11.63%
EPS 5Y11.32%
EPS Q2Q%5.26%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
3.2 Future
- The Earnings Per Share is expected to grow by 11.46% on average over the next years. This is quite good.
- The Revenue is expected to grow by 5.79% on average over the next years.
EPS Next Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
Revenue Next 5Y5.79%
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 stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 4.82 indicates a rather cheap valuation of UPBD.
- Based on the Price/Earnings ratio, UPBD is valued cheaply inside the industry as 97.54% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of UPBD to the average of the S&P500 Index (27.54), we can say UPBD is valued rather cheaply.
- UPBD is valuated cheaply with a Price/Forward Earnings ratio of 4.07.
- 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 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.82 | ||
| Fwd PE | 4.07 |
4.2 Price Multiples
- 83.61% of the companies in the same industry are more expensive than UPBD, based on the Enterprise Value to EBITDA ratio.
- 88.52% of the companies in the same industry are more expensive than UPBD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.28 | ||
| EV/EBITDA | 5.96 |
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.
- A more expensive valuation may be justified as UPBD's earnings are expected to grow with 16.97% in the coming years.
PEG (NY)0.52
PEG (5Y)0.43
EPS Next 2Y13.56%
EPS Next 3Y16.97%
5. Dividend
5.1 Amount
- UPBD has a Yearly Dividend Yield of 8.20%, which is a nice return.
- UPBD's Dividend Yield is rather good when compared to the industry average which is at 2.13. UPBD pays more dividend than 95.90% of the companies in the same industry.
- UPBD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
5.2 History
- On average, the dividend of UPBD grows each year by 42.90%, which is quite nice.
- 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)42.9%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- UPBD pays out 101.77% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of UPBD is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP101.77%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
20.11
+0.57 (+2.92%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-18 2026-02-18/amc
Inst Owners87.97%
Inst Owner ChangeN/A
Ins Owners7.61%
Ins Owner Change4.83%
Market Cap1.16B
Revenue(TTM)4.58B
Net Income(TTM)84.48M
Analysts84.29
Price Target32.64 (62.31%)
Short Float %7.77%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
Yearly Dividend1.51
Dividend Growth(5Y)42.9%
DP101.77%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.86%
Min EPS beat(2)-2.28%
Max EPS beat(2)3.99%
EPS beat(4)2
Avg EPS beat(4)1.23%
Min EPS beat(4)-2.28%
Max EPS beat(4)3.99%
EPS beat(8)5
Avg EPS beat(8)0.95%
EPS beat(12)9
Avg EPS beat(12)7.83%
EPS beat(16)12
Avg EPS beat(16)4.98%
Revenue beat(2)0
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-2.37%
Max Revenue beat(2)-0.81%
Revenue beat(4)1
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-2.37%
Max Revenue beat(4)2.29%
Revenue beat(8)5
Avg Revenue beat(8)0.56%
Revenue beat(12)6
Avg Revenue beat(12)0.03%
Revenue beat(16)7
Avg Revenue beat(16)-0.18%
PT rev (1m)0%
PT rev (3m)-12.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.82 | ||
| Fwd PE | 4.07 | ||
| P/S | 0.25 | ||
| P/FCF | 8.28 | ||
| P/OCF | 5.76 | ||
| P/B | 1.69 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.96 |
EPS(TTM)4.17
EY20.74%
EPS(NY)4.94
Fwd EY24.56%
FCF(TTM)2.43
FCFY12.08%
OCF(TTM)3.49
OCFY17.35%
SpS79.05
BVpS11.87
TBVpS-2.84
PEG (NY)0.52
PEG (5Y)0.43
Graham Number33.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.63% | ||
| ROE | 12.29% | ||
| ROCE | 12.89% | ||
| ROIC | 10.19% | ||
| ROICexc | 10.67% | ||
| ROICexgc | 17.2% | ||
| OM | 6.66% | ||
| PM (TTM) | 1.85% | ||
| GM | 47.91% | ||
| FCFM | 3.07% |
ROA(3y)1.64%
ROA(5y)4.26%
ROE(3y)7.02%
ROE(5y)16.5%
ROIC(3y)11.93%
ROIC(5y)14.36%
ROICexc(3y)12.54%
ROICexc(5y)15.63%
ROICexgc(3y)18.23%
ROICexgc(5y)21.19%
ROCE(3y)15.11%
ROCE(5y)18.18%
ROICexgc growth 3Y-10.3%
ROICexgc growth 5Y-13.65%
ROICexc growth 3Y-8%
ROICexc growth 5Y-17.42%
OM growth 3Y-9.14%
OM growth 5Y-11.16%
PM growth 3Y-0.98%
PM growth 5Y-15.15%
GM growth 3Y-0.42%
GM growth 5Y-4.8%
F-Score3
Asset Turnover1.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.25 | ||
| Debt/FCF | 10.99 | ||
| Debt/EBITDA | 3.59 | ||
| Cap/Depr | 48.61% | ||
| Cap/Sales | 1.34% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 46.85% | ||
| Profit Quality | 166.47% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.37 | ||
| Altman-Z | 2.71 |
F-Score3
WACC10.34%
ROIC/WACC0.99
Cap/Depr(3y)44.47%
Cap/Depr(5y)46.21%
Cap/Sales(3y)1.36%
Cap/Sales(5y)1.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.16%
EPS 3Y-11.63%
EPS 5Y11.32%
EPS Q2Q%5.26%
EPS Next Y9.24%
EPS Next 2Y13.56%
EPS Next 3Y16.97%
EPS Next 5Y11.46%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y-1.95%
Revenue growth 5Y10.11%
Sales Q2Q%8.97%
Revenue Next Year8.8%
Revenue Next 2Y8.41%
Revenue Next 3Y7.95%
Revenue Next 5Y5.79%
EBIT growth 1Y1.51%
EBIT growth 3Y-10.91%
EBIT growth 5Y-2.19%
EBIT Next Year46.36%
EBIT Next 3Y23.64%
EBIT Next 5Y14.06%
FCF growth 1Y-38.35%
FCF growth 3Y-47.24%
FCF growth 5Y-24.25%
OCF growth 1Y-26.88%
OCF growth 3Y-35.61%
OCF growth 5Y-13.43%
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 9 / 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 5 / 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 9.24% in the next year.
Can you provide the dividend sustainability for UPBD stock?
The dividend rating of UPBOUND GROUP INC (UPBD) is 6 / 10 and the dividend payout ratio is 101.77%.