(UPBD) Upbound - Overview
Stock: Electronics, Furniture, Appliances, Wheels, Phones
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.05% |
| Yield on Cost 5y | 3.81% |
| Yield CAGR 5y | 5.28% |
| Payout Consistency | 80.1% |
| Payout Ratio | 52.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 49.1% |
| Relative Tail Risk | -9.65% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.44 |
| Alpha | -43.99 |
| Character TTM | |
|---|---|
| Beta | 1.256 |
| Beta Downside | 0.918 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.21% |
| CAGR/Max DD | -0.07 |
Description: UPBD Upbound January 18, 2026
Upbound Group, Inc. (NASDAQ: UPBD) operates a lease-to-own business across the United States, Puerto Rico, and Mexico, offering a broad catalog that includes furniture, appliances, electronics, tools, and accessories. The company’s operations are organized into four segments-Rent-A-Center, Acima, Mexico, and Franchising-delivering products through both brick-and-mortar locations (e.g., Rent-A-Center, ColorTyme, RimTyme) and digital channels such as rentacenter.com.
In fiscal 2023 the firm reported approximately $1.5 billion in revenue and a net income of $68 million, with same-store sales rising about 5 % year-over-year. The lease-to-own model targets consumers who lack access to traditional credit, reflected in a delinquency rate that hovered near 10 %-a key risk metric that investors monitor closely.
Key macro drivers for Upbound include the health of the sub-prime consumer financing market and broader discretionary spending trends. Persistent inflation and elevated interest rates have constrained credit availability for low-income households, which can boost demand for lease-to-own solutions but also pressure profit margins if default rates climb. The U.S. lease-to-own sector is estimated to grow at a 3 % compound annual rate through 2028, providing a modest tailwind for the company.
Upbound’s recent rebranding from Rent-A-Center to Upbound Group in February 2023 signals a strategic push to diversify its channel mix and expand the Acima digital-first offering, which now accounts for roughly 15 % of total transactions.
For a deeper dive into Upbound’s valuation metrics and comparable peer analysis, the ValueRay platform offers a concise, data-rich snapshot worth checking out.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 84.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 2.81 > 1.0 |
| NWC/Revenue: -1.40% < 20% (prev 23.94%; Δ -25.34% < -1%) |
| CFO/TA 0.06 > 3% & CFO 202.0m > Net Income 84.5m |
| Net Debt (1.73b) to EBITDA (979.0m): 1.76 < 3 |
| Current Ratio: 0.89 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.9m) vs 12m ago 5.46% < -2% |
| Gross Margin: 47.91% > 18% (prev 0.49%; Δ 4742 % > 0.5%) |
| Asset Turnover: 158.1% > 50% (prev 165.2%; Δ -7.06% > 0%) |
| Interest Coverage Ratio: 2.20 > 6 (EBITDA TTM 979.0m / Interest Expense TTM 110.4m) |
Altman Z'' 1.89
| A: -0.02 (Total Current Assets 496.2m - Total Current Liabilities 560.5m) / Total Assets 3.21b |
| B: 0.32 (Retained Earnings 1.02b / Total Assets 3.21b) |
| C: 0.08 (EBIT TTM 243.0m / Avg Total Assets 2.90b) |
| D: 0.40 (Book Value of Equity 1.01b / Total Liabilities 2.52b) |
| Altman-Z'' Score: 1.89 = BBB |
Beneish M -2.43
| DSRI: 1.55 (Receivables 203.2m/121.6m, Revenue 4.58b/4.26b) |
| GMI: 1.02 (GM 47.91% / 48.94%) |
| AQI: 1.17 (AQ_t 0.28 / AQ_t-1 0.24) |
| SGI: 1.07 (Revenue 4.58b / 4.26b) |
| TATA: -0.04 (NI 84.5m - CFO 202.0m) / TA 3.21b) |
| Beneish M-Score: -2.43 (Cap -4..+1) = BBB |
What is the price of UPBD shares?
Over the past week, the price has changed by +8.68%, over one month by +9.84%, over three months by +13.07% and over the past year by -27.21%.
Is UPBD a buy, sell or hold?
- StrongBuy: 5
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UPBD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 28.6 | 39.1% |
| Analysts Target Price | 28.6 | 39.1% |
| ValueRay Target Price | 22.8 | 11% |
UPBD Fundamental Data Overview February 03, 2026
P/E Forward = 6.9541
P/S = 0.2391
P/B = 1.5671
Revenue TTM = 4.58b USD
EBIT TTM = 243.0m USD
EBITDA TTM = 979.0m USD
Long Term Debt = 1.55b USD (from longTermDebt, last quarter)
Short Term Debt = 286.7m USD (from shortTermDebt, last quarter)
Debt = 1.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.73b USD (from netDebt column, last quarter)
Enterprise Value = 2.82b USD (1.09b + Debt 1.83b - CCE 107.0m)
Interest Coverage Ratio = 2.20 (Ebit TTM 243.0m / Interest Expense TTM 110.4m)
EV/FCF = 14.32x (Enterprise Value 2.82b / FCF TTM 196.9m)
FCF Yield = 6.98% (FCF TTM 196.9m / Enterprise Value 2.82b)
FCF Margin = 4.30% (FCF TTM 196.9m / Revenue TTM 4.58b)
Net Margin = 1.85% (Net Income TTM 84.5m / Revenue TTM 4.58b)
Gross Margin = 47.91% ((Revenue TTM 4.58b - Cost of Revenue TTM 2.38b) / Revenue TTM)
Gross Margin QoQ = 48.34% (prev 49.40%)
Tobins Q-Ratio = 0.88 (Enterprise Value 2.82b / Total Assets 3.21b)
Interest Expense / Debt = 1.56% (Interest Expense 28.7m / Debt 1.83b)
Taxrate = 33.46% (6.65m / 19.9m)
NOPAT = 161.7m (EBIT 243.0m * (1 - 33.46%))
Current Ratio = 0.89 (Total Current Assets 496.2m / Total Current Liabilities 560.5m)
Debt / Equity = 2.67 (Debt 1.83b / totalStockholderEquity, last quarter 687.3m)
Debt / EBITDA = 1.76 (Net Debt 1.73b / EBITDA 979.0m)
Debt / FCF = 8.76 (Net Debt 1.73b / FCF TTM 196.9m)
Total Stockholder Equity = 670.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.92% (Net Income 84.5m / Total Assets 3.21b)
RoE = 12.60% (Net Income TTM 84.5m / Total Stockholder Equity 670.3m)
RoCE = 10.96% (EBIT 243.0m / Capital Employed (Equity 670.3m + L.T.Debt 1.55b))
RoIC = 7.49% (NOPAT 161.7m / Invested Capital 2.16b)
WACC = 4.59% (E(1.09b)/V(2.93b) * Re(10.54%) + D(1.83b)/V(2.93b) * Rd(1.56%) * (1-Tc(0.33)))
Discount Rate = 10.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.09%
[DCF Debug] Terminal Value 83.35% ; FCFF base≈152.4m ; Y1≈118.1m ; Y5≈75.1m
Fair Price DCF = 10.29 (EV 2.32b - Net Debt 1.73b = Equity 596.0m / Shares 57.9m; r=5.90% [WACC]; 5y FCF grow -26.76% → 2.90% )
EPS Correlation: -28.10 | EPS CAGR: -44.06% | SUE: -4.0 | # QB: 0
Revenue Correlation: 27.34 | Revenue CAGR: -0.15% | SUE: 1.31 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.06 | Chg30d=-0.025 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=4.65 | Chg30d=-0.130 | Revisions Net=+0 | Growth EPS=+13.6% | Growth Revenue=+7.5%