A Business at a Glance
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UPBOUND GROUP, INC.
UPBD
$1.2B
Mkt Cap
$20.46
-2.94%
UPBOUND GROUP, INC. (UPBD) has a current P/E ratio of 16.4, compared to its historical median P/E of 16.7. The stock is currently considered Fair based on its historical valuation range.
UPBOUND GROUP, INC. (UPBD) has a 5-year average return on invested capital (ROIC) of 12.2%. This indicates solid capital allocation.
UPBOUND GROUP, INC. (UPBD) has a market capitalization of $1.2B. It is classified as a small-cap stock.
Yes, UPBOUND GROUP, INC. (UPBD) pays a dividend with a trailing twelve-month yield of 7.44%.
Based on historical P/E analysis, UPBOUND GROUP, INC. (UPBD) appears fair. The current P/E of 16.4 is 2% below its historical median of 16.7. The estimated fair value CAGR (P/E method) is -16.1%.
UPBOUND GROUP, INC. (UPBD) operates in the Services-Equipment Rental & Leasing, Nec industry, within the Industrials sector.
UPBOUND GROUP, INC. (UPBD) reported annual revenue of $4.7 billion in its most recent fiscal year, based on SEC EDGAR filings.
Item 1. Business. Upbound Group, Inc. Unless the context indicates otherwise, references to “we,” “us”, “our”, and the “Company” refer to the consolidated business operations of Upbound Group, Inc., the parent, and any or all of its direct and indirect subsidiaries. For any references in this document to Note A through Note U, refer to the Notes to consolidated financial statements in Item 8 included in this Annual Report on Form 10-K. We are a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers. Through our Acima and Rent-A-Center segments, we are a leading lease-to-own provider with operations in the United States, Puerto Rico and Mexico.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.7B | 4.7B | 4.3B | 4.0B | 4.2B | 4.6B |
| Net Income | 84M | 73M | 123M | -5.2M | 12M | 135M |
| EPS | $1.44 | $1.25 | $2.21 | $-0.09 | $0.21 | $2.02 |
| Free Cash Flow | 266M | 239M | 48M | 147M | 407M | 330M |
| ROIC | 10.0% | 10.5% | 14.5% | 7.7% | 7.3% | 21.0% |
| Gross Margin | 48.7% | 48.4% | 48.1% | 50.7% | 49.0% | 48.8% |
| Debt/Equity | 1.41 | 1.25 | 1.39 | 1.57 | 1.55 | 1.61 |
| Dividends/Share | $1.52 | $1.56 | $1.50 | $1.39 | $1.36 | $1.27 |
| Operating Income | 238M | 223M | 292M | 163M | 149M | 281M |
| Operating Margin | 5.0% | 4.8% | 6.7% | 4.1% | 3.5% | 6.1% |
| ROE | 11.8% | 11.1% | 20.8% | -1.0% | 2.4% | 24.4% |
| Shares Outstanding | 59M | 59M | 56M | 58M | 59M | 67M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 3.2B | 3.3B | 3.0B | 2.7B | 2.7B | 2.7B | 2.8B | 4.6B | 4.2B | 4.0B | 4.3B | 4.7B | 4.7B |
| Gross Margin | 69.2% | 64.6% | 65.3% | 63.6% | 63.5% | 61.6% | 59.4% | 48.8% | 49.0% | 50.7% | 48.1% | 48.4% | 48.7% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 162M | 166M | 169M | 171M | 163M | 143M | 153M | 195M | 186M | 202M | 212M | 232M | 225M |
| EBIT | 193M | -1.0B | -67M | -63M | 56M | 254M | 237M | 281M | 149M | 163M | 292M | 223M | 238M |
| Op. Margin | 6.1% | -30.7% | -2.2% | -2.3% | 2.1% | 9.5% | 8.4% | 6.1% | 3.5% | 4.1% | 6.7% | 4.8% | 5.0% |
| Net Income | 96M | -954M | -105M | 6.7M | 8.5M | 174M | 208M | 135M | 12M | -5.2M | 123M | 73M | 84M |
| Net Margin | 3.1% | -29.1% | -3.5% | 0.2% | 0.3% | 6.5% | 7.4% | 2.9% | 0.3% | -0.1% | 2.9% | 1.6% | 1.8% |
| Non-Recurring | -6.2M | 1.2B | 156M | -12M | 27M | 31M | -9.2M | 318M | 235M | 216M | 2.2M | -838K | -838K |
| Returns on Capital | |||||||||||||
| ROIC | 7.0% | -86.1% | -16.6% | 1.8% | 7.7% | 54.6% | 36.7% | 21.0% | 7.3% | 7.7% | 14.5% | 10.5% | 10.0% |
| ROE | 7.1% | -107.6% | -32.4% | 2.5% | 3.0% | 46.6% | 39.6% | 24.4% | 2.4% | -1.0% | 20.8% | 11.1% | 11.8% |
| ROA | 3.1% | -36.4% | -5.9% | 0.4% | 0.6% | 11.6% | 12.5% | 5.7% | 0.4% | -0.2% | 4.6% | 2.5% | 2.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 19M | 231M | 354M | 111M | 228M | 215M | 237M | 392M | 468M | 200M | 105M | 306M | 338M |
| Free Cash Flow | -65M | 150M | 293M | 45M | 200M | 194M | 202M | 330M | 407M | 147M | 48M | 239M | 266M |
| Owner Earnings | -69M | 142M | 265M | 28M | 153M | 147M | 168M | 75M | 256M | -13M | 18M | 208M | -270M |
| CapEx | 84M | 81M | 61M | 65M | 28M | 21M | 35M | 62M | 61M | 53M | 56M | 67M | 72M |
| Maint. CapEx | 82M | 80M | 80M | 79M | 69M | 61M | 57M | 170M | 53M | 51M | 51M | 52M | 565M |
| Growth CapEx | 2.1M | 1.1M | 0 | 0 | 0 | 0 | 0 | 0 | 8.3M | 2.1M | 5.4M | 15M | 0 |
| D&A | 82M | 80M | 80M | 79M | 69M | 61M | 57M | 170M | 53M | 51M | 51M | 52M | 565M |
| CapEx/OCF | 438.4% | 35.0% | 17.3% | N/A | N/A | N/A | 14.6% | 15.9% | 13.1% | 26.7% | 53.7% | 21.9% | 21.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 49M | 51M | 26M | 13M | 0 | 14M | 63M | 72M | 79M | 83M | 82M | 88M | 90M |
| Dividend Yield | 4.8% | 5.3% | 5.4% | 2.9% | N/A | 1.4% | 5.4% | 2.5% | 6.1% | 5.8% | 5.1% | 6.6% | 7.4% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 1.3M | 27M | 390M | 75M | 50M | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 1.6% | 15.0% | 6.8% | 2.8% | N/A | N/A | 0.0% |
| Stock-Based Comp | 6.6M | 9.5M | 9.2M | 3.9M | 6.0M | 7.0M | 12M | 148M | 159M | 162M | 36M | 45M | 44M |
| Debt Repayment | 0 | 0 | 0 | 5.3M | 2.1M | 8.5M | 0 | 48M | 0 | 0 | 5.2M | 8.5M | 8.5M |
| Balance Sheet | |||||||||||||
| Net Debt | 504M | 1.0B | 771M | 470M | -154M | 119M | 38M | 716M | 672M | 787M | 816M | 752M | 907M |
| Cash & Equiv. | 46M | 60M | 95M | 73M | 155M | 70M | 159M | 108M | 144M | 94M | 61M | 121M | 98M |
| Long-Term Debt | 17M | 426M | 192M | N/A | N/A | 190M | N/A | 825M | 816M | 0 | 0 | 873M | N/A |
| Debt/Equity | 0.40 | 2.87 | 3.27 | 1.99 | 0.00 | 0.41 | 0.33 | 1.61 | 1.55 | 1.57 | 1.39 | 1.25 | 1.41 |
| Interest Coverage | 4.0 | -20.4 | -1.4 | -1.4 | 1.3 | 8.2 | 15.5 | 4.0 | 1.7 | 1.4 | 2.6 | 2.0 | 2.1 |
| Equity | 1.4B | 384M | 265M | 272M | 287M | 459M | 592M | 513M | 525M | 560M | 629M | 696M | 716M |
| Total Assets | 3.3B | 2.0B | 1.6B | 1.4B | 1.4B | 1.6B | 1.8B | 3.0B | 2.8B | 2.7B | 2.6B | 3.3B | 3.1B |
| Total Liabilities | 1.9B | 1.6B | 1.3B | 1.1B | 1.1B | 1.1B | 1.2B | 2.5B | 2.2B | 2.2B | 2.0B | 2.6B | 2.4B |
| Intangibles | 7.5M | 7.8M | 5.3M | 882K | 499K | 8.8M | 7.9M | 425M | 359M | 301M | 255M | 350M | 334M |
| Retained Earnings | 1.9B | 923M | 801M | 799M | 806M | 948M | 1.1B | 1.1B | 1.1B | 995M | 1.0B | 1.0B | 1.0B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 352M | 333M | 332M | 298M | 337M | 276M | 321M | 363M | 321M | 323M | 304M | 461M | 451M |
| Per Share Data | |||||||||||||
| EPS | 1.81 | -17.97 | -1.98 | 0.12 | 0.16 | 3.10 | 3.73 | 2.02 | 0.21 | -0.09 | 2.21 | 1.25 | 1.44 |
| Owner EPS | -1.30 | 2.67 | 4.99 | 0.51 | 2.88 | 2.63 | 3.00 | 1.12 | 4.35 | -0.23 | 0.32 | 3.55 | -4.59 |
| Book Value | 26.08 | 7.23 | 4.99 | 4.91 | 5.40 | 8.20 | 10.61 | 7.68 | 8.92 | 9.74 | 11.26 | 11.87 | 12.16 |
| Cash Flow/Share | 0.36 | 4.35 | 6.66 | 1.99 | 4.29 | 3.85 | 4.24 | 5.87 | 7.96 | 3.48 | 1.87 | 5.22 | 11.03 |
| Dividends/Share | 0.93 | 0.96 | 0.48 | 0.16 | 0.00 | 0.24 | 1.18 | 1.27 | 1.36 | 1.39 | 1.50 | 1.56 | 1.52 |
| Shares Out. | 53.3M | 53.1M | 53.1M | 55.4M | 53.1M | 56.0M | 55.8M | 66.8M | 58.8M | 57.5M | 55.9M | 58.6M | 58.8M |
| Valuation | |||||||||||||
| P/E Ratio | 13.4 | N/A | N/A | 68.0 | 73.2 | 6.8 | 8.0 | 19.3 | 89.3 | N/A | 12.3 | 14.1 | 14.3 |
| P/FCF | N/A | 3.7 | 1.5 | 10.0 | 3.1 | 6.1 | 8.2 | 7.9 | 2.7 | 12.1 | 31.4 | 4.3 | 4.5 |
| EV/EBIT | 9.3 | N/A | N/A | N/A | N/A | 5.0 | N/A | 10.1 | 8.4 | 12.4 | 6.3 | 5.5 | 8.9 |
| Price/Book | 0.9 | 1.4 | 1.6 | N/A | N/A | 2.6 | 2.8 | 5.1 | 2.1 | 3.2 | 2.4 | 1.5 | 1.7 |
| Price/Sales | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 0.6 | 0.3 | 0.4 | 0.4 | 0.3 | 0.3 |
| FCF Yield | -5.0% | 27.4% | 67.2% | 10.0% | 32.1% | 16.5% | 12.2% | 12.7% | 36.9% | 8.3% | 3.2% | 23.1% | 22.1% |
| Market Cap | 1.3B | 549M | 436M | 452M | 622M | 1.2B | 1.7B | 2.6B | 1.1B | 1.8B | 1.5B | 1.0B | 1.2B |
| Avg. Price | 18.88 | 18.24 | 8.95 | 7.96 | 9.08 | 17.32 | 20.80 | 42.85 | 22.08 | 25.04 | 29.12 | 22.69 | 20.46 |
| Year-End Price | 24.27 | 10.34 | 8.21 | 8.16 | 11.72 | 21.07 | 29.68 | 38.93 | 18.76 | 30.84 | 27.23 | 17.62 | 20.46 |
UPBOUND GROUP, INC. passes 3 of 9 quality checks, indicating weak fundamentals.
UPBOUND GROUP, INC. trades at 16.4x trailing earnings, compared to its 15-year median P/E of 16.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 5.0x vs a median of 7.0x. The company's 5-year average ROIC is 12.2% with a gross margin of 49.0%. Total shareholder yield (dividends) is 7.4%. At current prices, the estimated annualized return to fair value is -10.3%.
UPBOUND GROUP, INC. (UPBD) has a net profit margin of 1.6%. This is a modest margin.
UPBOUND GROUP, INC. (UPBD) generated $239 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UPBOUND GROUP, INC. (UPBD) has a debt-to-equity ratio of 1.25. This indicates moderate leverage.
UPBOUND GROUP, INC. (UPBD) reported earnings per share (EPS) of $1.25 in its most recent fiscal year.
UPBOUND GROUP, INC. (UPBD) has a return on equity (ROE) of 11.1%. This indicates moderate shareholder returns.
UPBOUND GROUP, INC. (UPBD) has a 5-year average gross margin of 49.0%. This indicates decent pricing power.
The Ledger Terminal provides 18 years of financial data for UPBOUND GROUP, INC. (UPBD), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UPBOUND GROUP, INC. (UPBD) has a book value per share of $11.87, based on its most recent annual SEC filing.