GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary
Upbound Group Inc (NAS:UPBD)
[1]
Modestly Undervalued[5]$ 25.92
GF Score: 82/100Market Cap: $ 1,499 Mil
Industry: Technology - Software
IPO Date: 1995-01-25
Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has three operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consum... read more
Latest FY Operating Revenue by Business Segment
Business Segment Name2024Percentage
Acima2,26152.34%
Rent-A-Center1,86343.13%
Franchising116.972.71%
Mexico78.731.82%
Financial Strength
Rank: 5 /10CurrentIndustry MedianHistorical Median
Cash-to-Debt0.062.770.10
Equity-to-Asset0.220.560.23
Interest Coverage2.7025.7452.64
Piotroski F-Score656
Profitability Rank
Rank: 6 /10CurrentIndustry MedianHistorical Median
Operating Margin %6.653.8454.51
Net Margin %2.742.7050.31
ROE %19.484.342.76
ROA %4.461.540.52
ROC (Joel Greenblatt) %16.6918.178.84
Growth Rank(* per share data)
Rank: 8 /1010-Yr5-Yr1-Yr
Revenue Growth %3.110.75.9
EBITDA Growth %N/A13.66.8
Oprt. Income Growth %N/A-2.610.6
EPS w/o NRI Growth %N/AN/A1,077
FCF Growth %N/A-19.365.6
Book Value Growth %0.74.710.9
Momentum Rank
Rank: 5 /10CurrentIndustry MedianHistorical Median
5-Day RSI67.7255.51N/A
9-Day RSI61.0253.39N/A
14-Day RSI58.3752.85N/A
6-1M Momentum %-21.36-2.01N/A
12-1M Momentum %-23.58-0.60N/A
Quarterly
Mar24Jun24Sep24Dec24Mar25
Revenue1,0961,0771,0691,0791,176
Net Income27.6933.9530.8630.9824.79
EPS0.500.610.550.550.42
Revenue YoY %7.869.949.176.017.34
Net Income YoY %-41.50-174.42607.31-375.30-10.45
EPS YoY %-40.48-173.49587.50-375.00-16.00
Warning Signs
SEVEREGross Margin %: Declined
SEVEREOperating Margin %: Declined
SEVEREAsset Growth: Faster than revenue growth
Good Signs
GOODBeneish M-Score: Unlikely manipulator
Insider Trades
InsiderPositionDateTradesCur. Shares
Brown Jeffrey JDirector05/06/2521730109,804
Brown Jeffrey JDirector04/22/25169488,074
Karam FahmiEVP, CFO03/10/2511500164,672
Brown Jeffrey JDirector01/07/25114686,380
Brown Jeffrey JDirector10/22/24106585,234
Blasquez Anthony JEVP-RAC08/27/24-250057,869
Taylor Transient CEVP, CHRO08/26/24-1512714,651
Montrone Ralph T.EVP, Acima08/05/24-1500040,074
GF Value Rank
Rank: 8 /10CurrentIndustry MedianHistorical Median
PE Ratio12.1727.9118.29
Forward P/E6.1625.11N/A
PB Ratio2.212.912.73
PS Ratio0.322.450.38
P/FCF10.6123.556.88
Shiller P/EN/A34.95531.10
PEG Ratio0.621.780.72
Valuation Analysis
Current% of Price
NCAV-34.86-134
Tangible Book-3.51-14
Price25.92
Median PS Value30.38117
GF Value31.25121
Peter Lynch Value41.92162
EPV62.53241
Dividend & Ownership
Dividend Yield (TTM) %5.91
Dividend Yield (Forward) %6.01
Dividend Payout Ratio0.50
Dividend Growth (5Y) %17.60
Yield on Cost (5Y) %13.29
Continuous Div. since2019
Insider Ownership %8.87
Institution Ownership %84.66
As of 07-01-2025
* All financial numbers are in millions except for per share data, ratios and percentage change. "Neg. E" means negative equity.
20152016201720182019202020212022202320242025Performance
%GainSP500
1W3.931.79
1M14.744.79
3M10.5510.10
6M-8.295.39
YTD-8.295.39
1Y-8.7213.26
3Y15.4517.43
5Y4.4114.74
10Y2.6611.52
65.50
29.10
7.30
6M
3M
2015201620172018201920202021202220232024CurrentKey Data
36.9916.2513.7116.4028.8839.6965.5049.4234.8637.7838.72Highest Stock Price
14.968.937.987.3016.1112.0738.1417.2822.2326.7319.69Lowest Stock Price
7945985928671,5792,0793,1791,2551,8461,5971,499Market Cap
53.153.153.854.556.055.866.859.055.055.958.4Shares Outstanding-Diluted
At LossAt Loss92.50101.199.3010.2723.78107.38At Loss13.2012.17PE Ratio
2.072.262.173.033.443.516.192.393.292.542.21PB Ratio
0.240.200.220.330.600.760.700.310.470.380.32PS Ratio
-8.071.831.881.692.162.582.991.842.301.821.82EV-to-EBITDA
2015201620172018201920202021202220232024TTMPer Share Data
61.8055.7850.1948.7847.7150.4868.5772.0072.6277.2577.77Revenue per Share
-17.97-1.980.120.163.103.732.020.21-0.092.212.13Earnings per Share
2.835.510.843.663.473.624.946.902.670.872.45Free Cash Flow per Share
0.960.320.16--0.541.181.271.361.391.501.52Dividends per Share
3.203.854.034.286.949.47-3.05-2.23-0.571.53-3.51Tangible Book per Share
35.1429.0225.1523.7224.4225.4334.5633.5429.6131.0130.38Median PS Value
12.087.59--10.1018.7027.42------11.47--Graham Number
2015201620172018201920202021202220232024TTMIncome Statement
3,2782,9632,7032,6602,6702,8144,5834,2453,9924,3214,401Revenue
2,1181,9351,7191,6881,6441,6722,2352,0802,0222,0802,101Gross Profit
64.6165.3063.5963.4561.5859.4248.7648.9850.6548.1547.75Gross Margin %
1,9561,8501,7821,6321,3901,4351,9541,9311,8591,7891,809Total Operating Expense
162.1184.72-63.0656.14253.86237.34280.54148.54162.87291.63292.48Operating Income
4.942.86-2.332.119.518.436.123.504.086.756.65Operating Margin %
-953.52-105.206.658.49173.55208.12134.9412.36-5.18123.48120.58Net Income
-29.08-3.550.250.326.507.402.940.29-0.132.862.74Net Margin %
-1,007-66.09-64.2056.81254.81238.10265.18149.18166.29288.13288.87EBIT
-209.39670.53632.78742.40935.48928.471,6521,5121,4601,7091,729EBITDA
-107.56-32.442.483.0446.5639.6024.422.38-0.9520.7619.48ROE %
-36.35-5.880.440.6011.6512.495.690.43-0.194.604.46ROA %
2015201620172018201920202021202220232024Mar25Balance Sheet
60.3695.4072.97155.3970.49159.45108.33144.1493.7160.86107.33Cash & Equivalents & MS
293.16223.80211.39280.22205.54304.90241.12309.06261.37277.03348.02Total Current Assets
1,9741,6031,4211,3971,5831,7512,9932,7642,7212,6503,043Total Assets
----------------------Short-Term Debt & CLO
368.60383.29335.33383.32395.64449.18441.28445.17452.25371.34503.96Total Current Liabilities
955.83724.23672.89540.04515.95475.841,8681,6741,6001,5831,808Long-Term Debt & CLO
1,5911,3381,1481,1101,1241,1592,4802,2382,1612,0212,364Total Liabilities
383.59264.93272.44286.52458.96592.08513.28525.15560.37628.98679.21Total Stockholders Equity
383.59264.93272.44286.52458.96592.08513.28525.15560.37628.98679.21Total Equity
2015201620172018201920202021202220232024TTMCashflow Statement
230.99354.07110.53227.51215.42236.50392.30468.46200.29104.72197.04Cash Flow from Operations
-90.08-58.98-63.35-4.6920.76-20.61-1,336-62.33-50.96-41.51-315.23Cash Flow from Investing
-124.39-259.71-70.54-140.31-321.63-126.68892.85-370.71-202.12-93.52143.48Cash Flow from Financing
14.2435.03-22.4382.42-84.9088.96-51.1235.81-50.44-32.8522.53Net Change in Cash
60.3695.4072.97155.3970.49159.45108.33144.1493.7160.86107.33Ending Cash Position
-80.87-61.14-65.46-27.96-21.16-34.55-62.45-61.39-53.40-56.28-55.03Capital Expenditure
150.12292.9345.07199.54194.26201.96329.85407.07146.8948.45142.00Free Cash Flow
Competitor(* Up to 5 competitors are listed here. See full competitors list in the Competitive Comparison section below)
TickerCompanyMarket Cap
($M)
PE RatioGF Score
/100
Financial
Strength /10
Profitability
Rank /10
GF Value
Rank /10
Growth
Rank /10
Momentum
Rank /10
NAS:KAROKarooooo Ltd1,57129.648798396
NAS:ADEAAdeia Inc1,53921.487856568
NAS:UPBDUpbound Group Inc1,49912.178256885
NYSE:OLOOlo Inc1,485444.008494699
NYSE:PDPagerDuty Inc1,438At Loss6843492
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Financial Strength[2] (Quarterly data, as of Mar. 2025) : Fair (5/10)

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Cash-to-Debt : 0.06

Cash-to-Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. A high ratio indicates that a company is better able to pay back its debt, and is thus able to take on more debt if necessary.


Equity-to-Asset : 0.22

Equity-to-Asset ratio is calculated as total stockholders equity divided by its total assets. Equity-to-Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity-to-Asset ratio (more leveraged) may have higher ROE % because of the leverage.


Debt-to-Equity : 2.66

A high Debt-to-Equity ratio generally means that a company has been aggressive in financing its growth with debt.


Piotroski F-Score : 6

The Piotroski F-Score is used to determine the strength of a firm's financial position, with 9 being the best and 0 being the worst.

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WACC : 10.43% vs ROIC : 8.03%

The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. Return on invested capital (ROIC) measures how well a company generates cash flow relative to the capital it has invested in its business.


Dividend Yield : 6.26%

Dividend yield is a way to measure how much cash flow you are getting for each dollar invested in an equity position.

GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Profitability[3] (Annual data, as of Dec. 2024) : Fair (6/10)

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Revenue : $1,176 Mil vs Net Income : $25 Mil

Revenue is the amount of money that a company actually receives during a specific period, including discounts and deductions for returned merchandise. Net Income is a company's total profit. Net income is calculated by taking revenues and adjusting for the cost of doing business, depreciation, interest, taxes and other expenses.


Cash & Equivalents : $107 Mil vs Long-Term Debt* : $1,808 Mil

Cash & equivalents are the most liquid assets on the balance sheet. Cash equivalents are assets that are readily convertible into cash. Long-Term Debt* consists of loans and obligations lasting over one year.


Operating Margin % : 5.32%

Operating margin % measures how much profit a company makes on a dollar of sales. Operating Margin % is calculated as Operating Income divided by Revenue.


EPS without NRI : $0.42

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock. In calculating earnings per share without non-recurring items, the dividends of preferred stocks and Non Operating Income need to subtracted from the total net income first.


Dividends per Share : $0.39

Dividends per Share is the amount of dividends that the shareholders of a company receive on a per-share basis. It is calculated using the total dividends paid out to shareholders over one fiscal year and the number of shares outstanding.


Free Cash Flow per Share : $2.18

Free Cash flow per Share is the amount of Free cash flow per outstanding share of the company's stock.

GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Valuation (Quarterly data, as of Mar. 2025)

These valuation metrics should give you a sense of reasonable prices, but be careful with them. Always seek to understand why a valuation is changing over time.


Valuation Chart (Current stock price : $25.92)


PE Ratio without NRI : 7.83

The price-to-earnings ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.


PB Ratio : 2.04

The price-to-book ratio measures the valuation of the stock relative to the underlying asset of the company.


PS Ratio : 0.31

The price-to-sales ratio is a valuation ratio that compares a company’s stock price to its revenues. The price-to-sales ratio is an indicator of the value placed on each dollar of a company’s sales or revenues.


Price-to-Free-Cash-Flow : 9.79

Price-to-free-cash-flow is very similar to the valuation metric of price-to-operating-cash-flow but is considered a more exact measure, owing to the fact that it uses free cash flow, which subtracts capital expenditures from a company's total operating cash flow, thereby reflecting the actual cash flow available to fund non-asset-related growth.


EV-to-EBIT : 10.69

Enterprise value of a company divided by its trailing 12 months earnings before interest and taxes (EBIT).

GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Valuation Bands

In these charts the 10-year valuation bands of the price-to-earnings ratio (PE Ratio), price-to-book ratio (PB Ratio), price-to-sales ratio (PS Ratio) and price-to-operating-cash-flow ratio (POCF) are drawn together with the historical stock prices. For example, the upper line of the PE band is where the stock price would have been if it were always traded at the maximum PE ratio of the past 10 years. The lower line of the PE band is where the stock price would have been if it were always traded at the lowest PE ratio of the past 10 years. It is always better if the stock price is close to the lower line, which indicates a lower valuation.


Historical Price and PE Band


Historical Price and PS Band


Historical Price and PB Band


Historical Price and Price-to-Operating-Cash-Flow (POCF) Band

GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Warning Signs

GuruFocus conducted a thorough checkup using a checklist of 32 items that cover the areas of financial strength, profitability, growth, and valuation of each company. The purpose of Warning Signs is to warn you that the company may have red flags in certain areas, helping to avoid overlooking them. These warning signs do not necessarily mean you should not invest in the stock. But you should be aware of them before you invest.


Severe Warning Signs

Gross Margin % : Declined

Upbound Group Inc gross margin has been in long-term decline. The average rate of decline per year is -4.8%.

Operating Margin % : Declined

Upbound Group Inc operating margin has been in a 5-year decline. The average rate of decline per year is -11.9%.

Asset Growth : Faster than revenue growth

If a company builds assets at 12.4% a year, faster than its revenue growth rate of 10.7% over the past 5 years, it means that the company may be getting less efficient.

Good Signs

Beneish M-Score : Unlikely manipulator

Beneish M-Score -1.86 no higher than -1.78, which implies that the company is unlikely to be a manipulator.

Insider Buy : Insider Buying

There were 2 insider buying transactions over the past 3 months. The total number of shares bought is 23,424.

Medium Warning Signs

Altman Z-Score : Grey

Altman Z-score of 2.54 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.

ROIC vs WACC : ROIC < WACC

Company's return on invested capital is less than the weighted average cost of capital. It might not be capital efficient
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Competitive Comparison


5 Year Price Change Comparison



Financial Strength

CompanyFinancial StrengthCash-to-DebtEquity-to-AssetDebt-to-EquityInterest CoveragePiotroski F-ScoreAltman Z-ScoreBeneish M-ScoreWACC %ROIC %
NAS:KAROKarooooo Ltd9/101.440.630.2326.03811.91-3.8010.4626.94
NYSE:OLOOlo Inc9/1027.040.910.020.00713.46-2.4513.61-2.68
NAS:ADBEAdobe Inc8/100.870.410.5735.5979.80-2.9013.8724.66
NAS:AMPLAmplitude Inc8/1038.940.650.02N/A45.09-2.5312.14-51.21
NAS:INTUIntuit Inc8/100.870.550.3518.9489.810.2010.8613.46
XTER:SAPSAP SE8/101.290.600.2218.7377.84-2.376.019.14
NYSE:SEMRSEMrush Holdings Inc8/1019.010.650.05N/A57.26-2.3012.781.11
NAS:SPNSSapiens International Corp NV8/104.770.650.09N/A75.50-2.609.0216.18
NYSE:NOWServiceNow Inc8/102.750.480.2464.48612.79-3.089.637.15
NYSE:DFINDonnelley Financial Solutions Inc7/100.080.490.4910.3264.83-2.828.0715.64
NYSE:CRMSalesforce Inc7/101.530.620.19N/A85.03-2.7811.787.34
TSX:SHOPShopify Inc7/104.850.830.10N/A637.93-1.9420.2816.97
NYSE:UBERUber Technologies Inc7/100.540.420.517.6554.61-2.2011.9219.64
NAS:ADPAutomatic Data Processing Inc6/100.630.100.739.3482.79-2.389.056.07
NAS:ADEAAdeia Inc5/100.250.361.203.0372.29-2.7611.7313.13
NYSE:MNTNMNTN Inc5/101.60-0.46-0.450.75N/A0.000.0010.171.58
NAS:MSTRStrategy5/100.010.760.240.0026.16-2.0827.18-0.25
NAS:UPBDUpbound Group Inc5/100.060.222.662.7062.54-1.8610.438.03
NYSE:MLNKMeridianLink Inc4/100.280.441.080.1571.48-3.189.180.69
NYSE:PDPagerDuty Inc4/101.290.163.180.0061.11-3.226.13-9.97
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Competitive Comparison - Cont.


Profitability

CompanyProfitability RankOperating
Margin %
Net Margin %ROE %ROA %Price-to-Free-Cash-FlowROC (Joel Greenblatt) %3-Year Revenue Growth %3-Year EBITDA Growth %3-Year EPS w/o NRI Growth %
NAS:ADBEAdobe Inc10/1036.3730.3950.4823.1918.22381.1513.408.8013.90
NAS:INTUIntuit Inc10/1025.8419.0718.5610.5036.03306.2517.6014.3020.30
NAS:ADPAutomatic Data Processing Inc9/1021.7821.0078.536.9329.88546.349.0015.3015.10
NAS:SPNSSapiens International Corp NV9/1015.9013.3715.7710.5720.88269.715.205.707.80
NAS:KAROKarooooo Ltd8/1028.7220.1631.2420.1016.5457.239.408.9017.40
NYSE:CRMSalesforce Inc8/1020.5416.0810.426.4520.91143.0512.7042.6028.70
NYSE:DFINDonnelley Financial Solutions Inc7/1018.6611.5620.9410.5019.95241.05-2.80-3.90-11.10
XTER:SAPSAP SE7/1024.7216.3113.207.9056.36199.828.20-14.402.70
NAS:ADEAAdeia Inc6/1039.0919.8620.166.978.72804.92-3.00-16.70-14.70
NYSE:MLNKMeridianLink Inc6/101.78-9.11-6.67-2.9915.42300.74-0.40-10.20-13.10
NYSE:NOWServiceNow Inc6/1012.9313.4116.798.0558.2479.0622.0046.0033.00
NAS:UPBDUpbound Group Inc6/106.652.7419.484.4610.6116.694.007.30-11.70
TSX:SHOPShopify Inc5/1012.7116.9115.7112.8584.53827.4728.00-27.7014.60
NYSE:OLOOlo Inc4/10-4.011.090.490.4466.266.8713.300.0022.40
NYSE:SEMRSEMrush Holdings Inc4/101.711.752.811.8232.5536.8119.50148.700.00
NAS:MSTRStrategy4/10-14.47-1160.72-43.87-29.130.00-9235.15-22.10-7.80-8.20
NYSE:UBERUber Technologies Inc4/108.5027.0775.1726.4425.34209.6030.50136.200.00
NAS:AMPLAmplitude Inc3/10-34.86-31.01-32.73-21.41376.97-544.52-9.5016.100.00
NYSE:PDPagerDuty Inc3/10-10.16-6.88-22.57-3.5912.97-101.2715.1048.000.00
NYSE:MNTNMNTN Inc1/101.32-15.160.00-12.480.00-20034.0732.307.4021.30

Valuation

CompanyPE RatioPB RatioPS RatioPrice-to-Intrinsic-Value-Projected-FCFPrice-to-Intrinsic-Value-DCF (Earnings Based)Price-to-Median-PS-ValuePrice-to-Peter-Lynch-Fair-ValuePrice-to-Graham-NumberEarnings Yield (Joel Greenblatt) %Forward Rate of Return (Yacktman) %
NAS:AMPLAmplitude IncAt Loss5.635.120.000.000.000.000.00-7.540.00
NYSE:MNTNMNTN IncAt Loss0.007.410.000.000.000.000.00-1.470.00
NYSE:MLNKMeridianLink IncAt Loss3.014.030.000.000.000.000.000.620.00
NYSE:PDPagerDuty IncAt Loss9.873.002.650.000.000.710.00-1.890.00
NAS:MSTRStrategyAt Loss3.08170.600.000.0041.020.000.00-6.21-3.82
NAS:UPBDUpbound Group Inc12.172.210.320.390.000.850.620.009.1730.07
NYSE:UBERUber Technologies Inc16.138.774.337.290.000.000.003.593.300.00
NYSE:DFINDonnelley Financial Solutions Inc20.474.152.391.700.000.001.160.007.4019.22
NAS:ADEAAdeia Inc21.483.954.190.700.002.030.000.007.293.82
NAS:SPNSSapiens International Corp NV22.583.563.061.520.740.992.133.385.8213.36
NAS:ADBEAdobe Inc25.0914.607.591.540.640.591.390.005.1818.42
NAS:KAROKarooooo Ltd29.648.645.970.000.000.000.003.444.540.00
NAS:ADPAutomatic Data Processing Inc31.7421.526.602.801.551.262.3213.634.4616.12
NYSE:CRMSalesforce Inc42.554.296.901.630.840.861.057.543.1123.15
XTER:SAPSAP SE53.126.598.693.480.001.800.007.202.91-6.51
NAS:INTUIntuit Inc63.2810.8112.132.801.281.232.3820.972.0718.91
TSX:SHOPShopify Inc92.0112.8415.568.410.000.910.008.050.840.00
NYSE:NOWServiceNow Inc137.4920.6618.395.200.001.192.788.670.9121.17
NYSE:SEMRSEMrush Holdings Inc181.004.973.420.000.000.000.008.870.610.00
NYSE:OLOOlo Inc444.002.135.020.000.000.000.002.850.380.00
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Peter Lynch Chart[4]

GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Per Share Data


Per Share Data

Dec09
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Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
41.34
41.45
46.57
51.78
56.09
59.44
61.80
55.78
50.19
48.78
47.71
50.48
68.57
72.00
72.62
77.25
77.77
Revenue per Share
13.27
13.24
14.84
17.05
17.75
18.01
-3.95
12.62
11.75
13.61
16.72
16.65
24.71
25.65
26.56
30.56
30.58
EBITDA per Share
4.46
4.58
4.72
5.28
4.49
3.58
-18.99
-1.24
-1.19
1.04
4.55
4.27
3.97
2.53
3.03
5.15
5.12
EBIT per Share
2.52
2.60
2.64
3.03
2.33
1.81
-17.97
-1.98
0.12
0.16
3.10
3.73
2.02
0.21
-0.09
2.21
2.13
Earnings per Share (Diluted)
2.48
2.78
2.89
3.03
2.34
1.95
2.03
0.67
-0.54
1.06
2.24
3.53
5.57
3.70
-0.09
3.83
3.06
EPS without NRI
3.47
1.31
2.77
1.95
0.30
-2.04
-20.15
1.73
-0.14
2.42
2.87
2.68
2.68
4.12
-0.72
-0.20
1.22
Owner Earnings per Share (TTM)
3.93
1.87
2.49
1.94
0.47
-1.22
2.83
5.51
0.84
3.66
3.47
3.62
4.94
6.90
2.67
0.87
2.45
Free Cash Flow per Share
4.96
3.29
4.63
3.67
2.44
0.36
4.35
6.67
2.05
4.17
3.85
4.24
5.87
7.95
3.64
1.87
3.42
Operating Cash Flow per Share
1.55
1.12
1.49
1.05
0.80
0.87
1.14
1.80
1.37
2.90
1.29
2.94
1.64
2.59
1.72
1.11
1.86
Cash per Share
--
0.18
0.54
0.69
0.86
0.93
0.96
0.32
0.16
--
0.54
1.18
1.27
1.36
1.39
1.50
1.52
Dividends per Share
19.00
21.44
23.00
25.23
25.33
26.22
7.23
4.99
5.11
5.35
8.39
10.91
7.76
9.43
10.31
11.49
11.75
Book Value per Share
-0.33
0.44
0.14
1.92
-0.71
0.22
3.20
3.85
4.03
4.28
6.94
9.47
-3.05
-2.23
-0.57
1.53
-3.51
Tangible Book per Share
10.83
11.10
12.53
11.85
17.37
19.68
18.01
13.63
12.62
10.09
9.43
8.77
28.23
30.08
29.44
28.91
31.28
Total Debt per Share
17.72
32.28
37.00
34.36
33.34
36.32
14.97
11.25
11.10
16.19
28.84
38.29
48.04
22.55
33.97
29.17
25.92
Month End Stock Price
66.57
65.90
61.89
59.41
55.16
53.13
53.05
53.12
53.84
54.54
55.96
55.75
66.84
58.97
54.98
55.93
58.36
Shares Outstanding (Diluted Average)

Ratios

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
14.43
13.20
12.05
12.75
9.20
7.08
-108
-32.44
2.48
3.04
46.56
39.60
24.42
2.38
-0.95
20.76
19.48
ROE %
15.52
8.74
7.48
9.38
6.97
5.09
-51.96
-14.35
1.14
1.00
13.53
11.28
3.95
1.00
-0.29
8.17
8.81
ROE % Adjusted to Book Value
6.79
6.69
5.96
6.36
4.38
3.07
-36.35
-5.88
0.44
0.60
11.65
12.49
5.69
0.43
-0.19
4.60
4.46
ROA %
Neg. E
5,955
907
301
350
Neg. E
-1,053
-56.24
3.17
3.82
56.98
46.56
86.40
Neg. E
--
468
Neg. E Return-on-Tangible-Equity
13.96
13.53
11.62
12.17
8.17
5.45
-52.19
-6.37
0.46
0.63
12.21
13.10
6.83
0.56
-0.24
5.83
5.80
Return-on-Tangible-Asset
51.94
50.64
30.61
24.54
17.84
12.55
-66.31
-4.75
-5.20
5.20
21.99
18.19
16.37
8.22
9.45
16.16
16.69
ROC (Joel Greenblatt) %
14.91
15.03
12.98
12.66
9.60
6.92
-45.19
-4.68
-5.57
5.41
23.16
19.13
13.76
6.13
7.25
12.67
12.64
ROCE %
7.81
12.03
15.18
8.77
-2.02
-8.55
181
36.03
12.31
8.70
-112
250
31.76
1.03
-101
-114
-283
5-Year RORE %
-15.04
8.36
0.15
-2.81
-27.03
-18.34
1.37
16.36
22.76
-19.54
60.66
29.70
-2.34
55.54
-2,000
-275
73.11
1-Year ROIIC %
9.03
9.64
8.36
7.47
5.48
4.44
6.16
4.95
0.28
2.83
15.14
15.10
9.00
1.12
-0.63
8.16
8.03
ROIC %
5.19
6.76
5.73
7.09
6.12
6.68
4.01
6.11
1.70
5.53
4.45
9.14
10.23
7.65
8.07
10.71
10.43
WACC %
3.23
3.79
5.16
4.49
4.94
4.88
4.94
5.62
6.58
7.08
5.88
3.09
6.05
4.95
6.93
6.95
6.71
Effective Interest Rate on Debt %
72.24
73.06
71.21
69.50
69.60
69.17
64.61
65.30
63.59
63.45
61.58
59.42
48.76
48.98
50.65
48.15
47.75
Gross Margin %
10.59
11.81
10.94
10.18
8.02
6.13
4.94
2.86
-2.33
2.11
9.51
8.43
6.12
3.50
4.08
6.75
6.65
Operating Margin %
6.10
6.28
5.67
5.85
4.16
3.05
-29.08
-3.55
0.25
0.32
6.50
7.40
2.94
0.29
-0.13
2.86
2.74
Net Margin %
32.10
31.94
31.86
32.93
31.64
30.31
-6.39
22.63
23.41
27.90
35.04
32.99
36.04
35.62
36.58
39.56
39.30
EBITDA Margin %
9.49
4.52
5.34
3.75
0.84
-2.05
4.58
9.89
1.67
7.50
7.28
7.18
7.20
9.59
3.68
1.12
3.23
FCF Margin %
0.57
0.52
0.55
0.47
0.69
0.75
2.49
2.73
2.47
1.89
1.12
0.80
3.64
3.19
2.86
2.52
2.66
Debt-to-Equity
0.51
0.50
0.49
0.51
0.44
0.43
0.19
0.17
0.19
0.21
0.29
0.34
0.17
0.19
0.21
0.24
0.22
Equity-to-Asset
0.29
0.26
0.26
0.24
0.30
0.32
0.48
0.45
0.47
0.39
0.33
0.27
0.62
0.61
0.59
0.60
0.59
Debt-to-Asset
0.49
0.50
0.52
0.49
0.56
0.58
0.81
0.84
0.81
0.80
0.71
0.66
0.83
0.81
0.79
0.76
0.78
Liabilities-to-Assets
80.47
77.77
74.78
75.51
73.27
69.46
80.76
108
114
120
110
100
94.22
72.24
73.74
77.46
77.72
Gross-Profit-to-Asset %
7.15
2.16
-0.48
2.27
1.21
0.92
1.59
0.91
36.57
-0.19
5.66
-3.04
-4.08
2.06
-13.52
-28.78
-59.66
Degree of Financial Leverage
1.11
1.06
1.05
1.09
1.05
1.00
1.25
1.66
1.79
1.89
1.79
1.69
1.93
1.48
1.46
1.61
1.63
Asset Turnover
--
0.07
0.19
0.23
0.37
0.48
0.47
0.48
1.33
--
0.24
0.33
0.23
0.37
--
0.39
0.50
Dividend Payout Ratio
--
8.36
7.01
6.00
6.61
7.21
7.71
8.80
9.44
9.57
10.51
11.29
8.62
10.24
10.19
11.30
9.86
Days Sales Outstanding
45.55
55.35
50.84
39.80
42.69
49.18
37.47
36.31
36.83
38.33
50.16
56.60
25.00
24.53
30.82
23.85
18.83
Days Payable
377
396
186
1.52
1.51
1.67
1.50
1.47
1.42
1.48
1.55
1.65
0.92
1.13
1.24
0.97
0.87
Days Inventory
331
349
142
-32.28
-34.57
-40.30
-28.26
-26.04
-25.97
-27.28
-38.10
-43.66
-15.46
-13.16
-19.39
-11.58
-8.10
Cash Conversion Cycle
--
43.66
52.03
60.88
55.25
50.66
47.37
41.49
38.68
38.15
34.73
32.32
42.36
35.64
35.83
32.31
37.03
Receivables Turnover
0.97
0.92
1.96
239
242
219
244
248
257
247
235
221
397
323
294
376
418
Inventory Turnover
0.28
0.27
0.29
0.31
0.30
0.31
0.35
0.35
0.36
0.37
0.38
0.41
0.51
0.51
0.49
0.52
0.52
COGS-to-Revenue
0.29
0.29
0.15
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Inventory-to-Revenue
0.03
0.03
0.05
0.03
0.04
0.03
0.03
0.02
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
Capex-to-Revenue
0.24
0.29
0.42
0.33
0.44
0.43
0.50
0.72
--
0.50
0.08
0.15
0.22
0.41
0.33
0.19
0.19
Capex-to-Operating-Income
0.21
0.43
0.46
0.47
0.81
4.38
0.35
0.17
0.59
0.12
0.10
0.15
0.16
0.13
0.27
0.54
0.28
Capex-to-Operating-Cash-Flow
* All financial numbers are in millions except for per share data, ratios and percentage change. When Return-on-Tangible-Equity displays Neg. E, it means the the tangible equity is negative. When ROE % or ROE % Adjusted to Book Value displays Neg. E, it means the the total shareholders equity is negative.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Financial Statement

Income Statement

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
2,752
2,732
2,882
3,076
3,094
3,158
3,278
2,963
2,703
2,660
2,670
2,814
4,583
4,245
3,992
4,321
4,401
Revenue
764
736
830
938
941
973
1,160
1,028
984
972
1,026
1,142
2,348
2,166
1,970
2,240
2,300
Cost of Goods Sold
1,988
1,996
2,053
2,137
2,153
2,184
2,118
1,935
1,719
1,688
1,644
1,672
2,235
2,080
2,022
2,080
2,101
Gross Profit
72.24
73.06
71.21
69.50
69.60
69.17
64.61
65.30
63.59
63.45
61.58
59.42
48.76
48.98
50.65
48.15
47.75
Gross Margin %
1,694
1,670
1,732
980
1,029
1,051
1,021
958
904
847
773
732
840
821
815
822
821
Selling, General, & Admin. Expense
2.84
3.25
4.67
844
876
940
935
892
878
785
617
703
1,115
1,110
1,044
967
988
Other Operating Expense
1,697
1,673
1,737
1,824
1,905
1,991
1,956
1,850
1,782
1,632
1,390
1,435
1,954
1,931
1,859
1,789
1,809
Total Operating Expense
291
323
315
313
248
193
162
84.72
-63.06
56.14
254
237
281
149
163
292
292
Operating Income
10.59
11.81
10.94
10.18
8.02
6.13
4.94
2.86
-2.33
2.11
9.51
8.43
6.12
3.50
4.08
6.75
6.65
Operating Margin %
0.84
0.85
0.63
0.84
0.82
0.95
0.63
0.50
0.79
1.15
3.12
0.77
0.22
0.64
3.42
3.10
2.99
  Interest Income
-26.79
-26.77
-37.23
-32.07
-39.63
-47.84
-49.33
-47.18
-46.00
-42.97
-31.03
-15.33
-70.87
-87.71
-113
-111
-108
  Interest Expense
-25.95
-29.01
-36.61
-31.22
-38.81
-51.11
-48.69
-46.68
-47.14
-42.30
-30.08
-14.56
-86.24
-87.07
-110
-114
-112
Net Interest Income
4.87
-18.94
-24.06
--
-1.07
0.00
-1,170
-151
-0.00
--
-0.00
-0.00
--
-0.00
--
--
-- Other Income (Expense)
270
275
255
282
208
142
-1,057
-113
-110
13.84
224
223
194
61.47
52.87
178
180
Pre-Tax Income
-103
-103
-91.26
-102
-79.44
-45.93
103
8.08
117
-5.35
-50.24
-14.66
-59.36
-49.11
-58.05
-54.06
-59.89
Tax Provision
37.92
37.53
35.83
36.12
38.16
32.27
9.75
7.13
106
38.65
22.45
6.58
30.55
79.90
110
30.45
33.19
Tax Rate %
-0.00
--
--
0.00
--
-0.00
--
--
0.00
0.00
--
--
--
--
0.00
--
-0.00
Other Net Income (Loss)
168
172
163
180
129
96.42
-954
-105
6.65
8.49
174
208
135
12.36
-5.18
123
121
Net Income Including Noncontrolling Interests
168
172
163
180
129
96.42
-954
-105
6.65
8.49
174
208
135
12.36
-5.18
123
121
  Net Income (Continuing Operations)
168
172
163
180
129
96.42
-954
-105
6.65
8.49
174
208
135
12.36
-5.18
123
121
Net Income
6.10
6.28
5.67
5.85
4.16
3.05
-29.08
-3.55
0.25
0.32
6.50
7.40
2.94
0.29
-0.13
2.86
2.74
Net Margin %
2.54
2.64
2.67
3.06
2.35
1.82
-17.97
-1.98
0.12
0.16
3.19
3.84
2.37
0.23
-0.09
2.26
2.19
EPS (Basic)
2.52
2.60
2.64
3.03
2.33
1.81
-17.97
-1.98
0.12
0.16
3.10
3.73
2.02
0.21
-0.09
2.21
2.13
EPS (Diluted)
66.57
65.90
61.89
59.41
55.16
53.13
53.05
53.12
53.84
54.54
55.96
55.75
66.84
58.97
54.98
55.93
58.36
Shares Outstanding (Diluted Average)
297
302
292
314
248
190
-1,007
-66.09
-64.20
56.81
255
238
265
149
166
288
289
EBIT
586
571
626
699
731
767
798
737
697
686
681
690
1,387
1,363
1,294
1,421
1,441
Depreciation, Depletion and Amortization
883
872
918
1,013
979
957
-209
671
633
742
935
928
1,652
1,512
1,460
1,709
1,729
EBITDA
32.10
31.94
31.86
32.93
31.64
30.31
-6.39
22.63
23.41
27.90
35.04
32.99
36.04
35.62
36.58
39.56
39.30
EBITDA Margin %
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Financial Statement

Cashflow Statement

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
168
172
163
180
129
96.42
-954
-105
6.65
8.49
174
208
135
12.36
-5.18
123
121
Net Income From Continuing Operations
586
571
626
699
731
767
798
737
697
686
681
690
1,387
1,363
1,294
1,421
1,441
Depreciation, Depletion and Amortization
-34.78
-6.62
-9.22
-13.39
-19.25
-21.82
-19.09
-15.91
-15.74
-14.43
-28.86
-20.67
-25.52
-10.15
-25.01
-62.28
-58.10
  Change In Receivables
-449
-568
-670
--
--
--
--
--
--
--
--
--
--
--
--
--
--   Change In Inventory
-9.42
-124
99.11
1.77
-9.80
-131
31.64
104
-9.62
13.11
3.19
-3.96
-12.77
17.40
-4.19
-3.95
-6.72
  Change In Prepaid Assets
4.83
21.05
-40.93
10.73
20.79
42.95
-68.67
8.95
-36.54
63.73
-24.92
60.54
-46.46
-19.81
35.19
-84.55
-30.30
  Change In Payables And Accrued Expense
-0.00
-0.00
2.49
-684
-768
-797
-622
-524
-487
-570
-647
-738
-1,271
-1,050
-1,272
-1,325
-1,319
  Change In Other Working Capital
-488
-677
-619
-685
-776
-906
-678
-426
-549
-507
-698
-702
-1,356
-1,062
-1,266
-1,476
-1,414
Change In Working Capital
35.90
95.84
78.11
3.43
24.02
26.80
-145
-32.99
-86.06
6.82
55.26
-6.61
48.32
-41.21
-17.94
-27.15
-23.08
Deferred Tax
3.73
4.12
4.47
8.37
6.46
6.56
9.54
9.21
3.90
5.96
6.96
12.28
148
159
162
36.07
37.41
Stock Based Compensation
--
35.11
21.55
12.95
15.66
15.51
1,185
167
15.70
14.61
15.08
14.64
14.40
24.66
25.87
19.35
28.65
Asset Impairment Charge
24.95
15.77
11.49
-1.12
4.28
13.25
14.94
5.94
22.40
13.35
-18.38
19.79
16.29
12.49
6.94
7.98
6.96
Cash Flow from Others
330
216
287
218
134
19.11
231
354
111
228
215
237
392
468
200
105
197
Cash Flow from Operations
-68.84
-93.01
-133
-102
-108
-83.79
-80.87
-61.14
-65.46
-27.96
-21.16
-34.55
-62.45
-61.39
-53.40
-56.28
-55.03
Purchase Of Property, Plant, Equipment
3.12
0.20
0.21
4.98
19.97
14.47
15.96
5.26
--
--
--
--
--
--
--
--
-- Sale Of Property, Plant, Equipment
-7.22
-74.38
-26.75
-13.26
-41.24
-27.35
-25.17
-3.10
-2.53
-2.05
-28.92
-0.70
-1,274
-1.00
-0.04
-1.41
-275
Purchase Of Business
--
--
--
--
--
--
15.96
5.26
4.64
25.32
--
--
--
--
--
--
-- Sale Of Business
-0.00
0.00
0.00
-0.00
0.00
-0.00
-15.96
-5.26
-0.00
--
70.83
14.64
0.00
0.05
2.48
16.18
14.68
Cash From Other Investing Activities
-72.94
-167
-159
-111
-130
-96.67
-90.08
-58.98
-63.35
-4.69
20.76
-20.61
-1,336
-62.33
-50.96
-41.51
-315
Cash Flow from Investing
-8.83
-84.52
-164
-61.86
-217
--
--
--
--
--
-1.29
-26.57
-390
-75.05
-50.00
--
-- Repurchase of Stock
186
392
983
607
908
773
531
52.25
348
27.06
305
198
1,780
90.00
70.00
320
719
  Issuance of Debt
-424
-403
-944
-660
-679
-646
-606
-286
-400
-166
-609
-240
-369
-299
-139
-324
-482
  Payments of Debt
-238
-11.02
39.28
-53.20
229
127
-74.44
-234
-52.52
-139
-303
-42.00
1,411
-209
-68.60
-3.75
237
Net Issuance of Debt
--
-7.80
-26.89
-37.87
-46.81
-48.66
-51.01
-25.55
-12.81
--
-13.71
-63.12
-71.51
-79.19
-83.06
-82.30
-82.20
Cash Flow for Dividends
1.81
22.01
41.95
18.47
12.34
4.98
1.07
-0.34
-5.21
-1.01
-3.39
5.01
-56.47
-7.72
-0.46
-7.47
-11.57
Other Financing
-245
-81.33
-110
-134
-23.12
82.85
-124
-260
-70.54
-140
-322
-127
893
-371
-202
-93.52
143
Cash Flow from Financing
87.38
102
70.73
88.07
61.09
42.27
46.13
60.36
95.40
72.97
155
70.49
159
108
144
93.71
84.79
Beginning Cash Position
2.30
0.95
-0.20
0.31
-0.41
-1.45
-2.30
-0.35
0.93
-0.08
0.56
-0.26
-0.29
0.39
2.36
-2.54
-2.76
  Effect of Exchange Rate Changes
14.42
-31.08
17.34
-26.98
-18.81
3.85
14.24
35.03
-22.43
82.42
-84.90
88.96
-51.12
35.81
-50.44
-32.85
22.53
Net Change in Cash
102
70.73
88.07
61.09
42.27
46.13
60.36
95.40
72.97
155
70.49
159
108
144
93.71
60.86
107
Ending Cash Position
-68.84
-93.01
-133
-102
-108
-83.79
-80.87
-61.14
-65.46
-27.96
-21.16
-34.55
-62.45
-61.39
-53.40
-56.28
-55.03
Capital Expenditure
261
123
154
115
25.98
-64.67
150
293
45.07
200
194
202
330
407
147
48.45
142
Free Cash Flow
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Financial Satement

Balance Sheet

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
102
70.73
88.07
61.09
42.27
46.13
60.36
95.40
72.97
155
70.49
159
108
144
93.71
60.86
107
  Cash And Cash Equivalents
102
70.73
88.07
61.09
42.27
46.13
60.36
95.40
72.97
155
70.49
159
108
144
93.71
60.86
107
Cash, Cash Equivalents, Marketable Securities
--
62.56
48.22
52.82
59.18
65.49
72.93
69.90
69.82
69.65
84.12
90.00
126
112
111
156
137
  Accounts Receivable
63.44
-8.67
--
--
--
--
-3.61
-0.12
--
--
--
--
--
--
--
--
47.90
  Other Current Receivables
63.44
53.89
48.22
52.82
59.18
65.49
69.32
69.79
69.82
69.65
84.12
90.00
126
112
111
156
185
Total Receivables
--
842
4.10
3.74
4.04
4.86
4.67
3.63
4.03
3.83
4.88
5.44
6.41
6.99
6.40
5.52
5.06
  Inventories, Finished Goods
754
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--   Inventories, Other
754
842
4.10
3.74
4.04
4.86
4.67
3.63
4.03
3.83
4.88
5.44
6.41
6.99
6.40
5.52
5.06
Total Inventories
50.68
171
69.33
71.96
78.47
206
159
54.99
64.58
51.35
46.04
50.01
0.00
46.07
50.26
54.21
50.81
Other Current Assets
970
1,138
210
190
184
323
293
224
211
280
206
305
241
309
261
277
348
Total Current Assets
5.19
5.30
5.30
5.30
6.85
6.85
6.75
6.75
6.75
6.74
--
--
--
--
--
--
--   Land And Improvements
239
259
292
312
326
314
294
274
270
252
208
196
--
--
--
--
--   Buildings And Improvements
238
263
297
329
345
371
421
534
522
516
476
443
641
639
634
581
--   Machinery, Furniture, Equipment
26.92
42.29
55.21
61.86
93.42
80.68
91.54
23.77
10.19
3.54
5.35
7.27
25.29
25.12
35.37
16.70
--   Construction In Progress
0.00
--
1,461
1,547
1,734
1,909
1,825
1,595
1,375
1,258
1,557
1,619
2,541
2,299
2,413
2,448
2,320
  Other Gross PPE
509
570
2,111
2,254
2,504
2,682
2,639
2,433
2,183
2,036
2,246
2,265
3,207
2,963
3,082
3,045
2,320
Gross Property, Plant and Equipment
-304
-346
-870
-937
-1,044
-1,112
-1,171
-1,115
-1,031
-1,003
-963
-931
-1,302
-1,241
-1,286
-1,277
-565
  Accumulated Depreciation
205
225
1,241
1,317
1,461
1,571
1,467
1,318
1,152
1,034
1,283
1,334
1,905
1,723
1,797
1,768
1,755
Property, Plant and Equipment
1,269
1,326
1,351
1,353
1,374
1,378
214
60.56
57.50
57.34
78.98
78.09
715
649
591
545
882
Intangible Assets
1,269
1,320
1,339
1,345
1,365
1,370
206
55.31
56.61
56.85
70.22
70.22
290
290
290
290
488
  Goodwill
-0.00
0.00
0.00
--
--
--
--
--
-0.00
25.56
14.89
33.78
132
82.89
72.03
58.73
58.31
Other Long Term Assets
1,474
1,551
2,592
2,670
2,834
2,949
1,681
1,379
1,209
1,117
1,377
1,446
2,752
2,455
2,460
2,373
2,695
Total Long-Term Assets
2,444
2,688
2,801
2,860
3,018
3,271
1,974
1,603
1,421
1,397
1,583
1,751
2,993
2,764
2,721
2,650
3,043
Total Assets
97.16
126
105
99.57
120
142
96.36
108
90.35
114
168
186
136
155
177
115
119
  Accounts Payable
--
--
25.46
27.66
24.74
20.63
20.08
22.56
27.42
54.51
28.40
48.04
49.71
40.55
43.44
31.63
--   Total Tax Payable
--
--
9.47
12.19
12.10
12.74
12.77
4.26
--
--
15.91
17.00
27.80
27.43
21.49
21.39
--   Other Current Payables
265
288
172
159
163
185
179
190
166
162
131
137
157
148
137
138
385
  Current Accrued Expense
362
414
312
299
320
360
308
325
284
330
343
388
370
371
380
306
504
Accounts Payable & Accrued Expense
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--   Short-Term Debt
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-- Short-Term Debt & Capital Lease Obligation
--
--
46.75
43.58
54.31
58.88
60.54
58.26
51.74
53.35
52.59
61.07
71.38
73.95
72.61
64.95
--   Current Deferred Revenue
123
219
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--   Current Deferred Taxes Liabilities
123
219
46.75
43.58
54.31
58.88
60.54
58.26
51.74
53.35
52.59
61.07
71.38
73.95
72.61
64.95
-- DeferredTaxAndRevenue
--
--
--
--
--
--
--
--
--
-0.00
--
--
--
--
--
--
-- Other Current Liabilities
485
633
359
342
375
419
369
383
335
383
396
449
441
445
452
371
504
Total Current Liabilities
711
701
741
688
916
1,043
956
724
673
540
231
190
1,571
1,369
1,307
1,310
1,533
  Long-Term Debt
--
--
0.11
--
--
--
--
--
--
--
285
285
297
306
293
273
276
  Long-Term Capital Lease Obligation
711
701
741
688
916
1,043
956
724
673
540
516
476
1,868
1,674
1,600
1,583
1,808
Long-Term Debt & Capital Lease Obligation
0.57
0.52
0.55
0.47
0.69
0.75
2.49
2.73
2.47
1.89
1.12
0.80
3.64
3.19
2.86
2.52
2.66
Debt-to-Equity
--
--
44.97
56.75
54.10
55.35
42.94
40.55
37.78
55.79
38.55
48.03
46.75
22.88
39.42
37.61
-- PensionAndRetirementBenefit
--
--
298
309
337
365
224
190
102
131
174
186
124
96.01
69.33
29.13
51.51
NonCurrent Deferred Liabilities
-0.00
-0.00
0.00
0.00
-0.00
-0.00
-0.00
0.00
0.00
0.00
0.00
0.00
-0.00
-0.00
0.00
0.00
-0.00
Other Long-Term Liabilities
711
701
1,083
1,054
1,308
1,463
1,222
955
813
727
728
710
2,039
1,793
1,709
1,649
1,860
Total Long-Term Liabilities
1,196
1,335
1,442
1,396
1,682
1,882
1,591
1,338
1,148
1,110
1,124
1,159
2,480
2,238
2,161
2,021
2,364
Total Liabilities
1.05
1.06
1.08
1.09
1.09
1.09
1.09
1.10
1.10
1.10
1.11
1.11
1.07
1.08
1.10
1.11
1.13
Common Stock
1,377
1,541
1,669
1,806
1,880
1,927
923
801
799
806
948
1,091
1,144
1,077
995
1,036
1,038
Retained Earnings
2.30
3.25
-0.75
2.03
0.01
-4.65
-11.04
-16.23
-10.99
-11.27
-10.67
-11.40
-12.37
-10.63
-4.36
-11.21
-11.29
Accumulated other comprehensive income (loss)
687
713
758
785
802
813
818
827
831
838
870
887
1,147
1,298
1,460
1,494
1,542
Additional Paid-In Capital
-820
-904
-1,068
-1,130
-1,348
-1,348
-1,348
-1,348
-1,348
-1,348
-1,349
-1,376
-1,766
-1,841
-1,891
-1,891
-1,891
Treasury Stock
-0.00
--
0.00
-0.00
--
-0.00
-0.00
-0.00
--
-0.00
0.00
-0.00
--
-0.00
-0.00
-0.00
-- Other Stockholders Equity
1,248
1,354
1,359
1,464
1,336
1,389
384
265
272
287
459
592
513
525
560
629
679
Total Stockholders Equity
1,248
1,354
1,359
1,464
1,336
1,389
384
265
272
287
459
592
513
525
560
629
679
Total Equity
0.51
0.50
0.49
0.51
0.44
0.43
0.19
0.17
0.19
0.21
0.29
0.34
0.17
0.19
0.21
0.24
0.22
Equity-to-Asset
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Valuation Ratios

Valuation Ratios

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
7.03
12.42
14.02
11.34
14.31
20.07
At Loss
At Loss
92.50
101
9.30
10.27
23.78
107
At Loss
13.20
12.17
PE Ratio
7.16
11.61
12.80
11.34
14.24
18.63
7.37
16.89
At Loss
15.27
12.88
10.85
8.62
6.09
At Loss
7.62
8.47
PE Ratio without NRI
5.10
24.58
13.35
17.58
113
--
--
6.52
--
6.68
10.04
14.31
17.95
5.47
--
--
21.23
Price-to-Owner-Earnings
0.93
1.51
1.61
1.36
1.32
1.39
2.07
2.26
2.17
3.03
3.44
3.51
6.19
2.39
3.29
2.54
2.21
PB Ratio
--
73.53
262
17.93
--
169
4.68
2.93
2.75
3.78
4.15
4.04
--
--
--
19.12
-- Price-to-Tangible-Book
4.51
17.23
14.88
17.68
70.79
--
5.29
2.04
13.26
4.42
8.31
10.57
9.73
3.27
12.71
33.68
10.61
Price-to-Free-Cash-Flow
3.57
9.83
7.99
9.37
13.69
101
3.44
1.69
5.41
3.88
7.49
9.03
8.19
2.84
9.32
15.58
7.59
Price-to-Operating-Cash-Flow
0.43
0.78
0.79
0.66
0.59
0.61
0.24
0.20
0.22
0.33
0.60
0.76
0.70
0.31
0.47
0.38
0.32
PS Ratio
0.91
1.89
2.88
2.33
2.09
2.29
--
--
--
--
--
--
0.54
0.30
--
0.54
0.62
PEG Ratio
0.64
0.98
0.99
0.85
0.85
0.93
0.52
0.41
0.44
0.47
0.76
0.85
1.08
0.66
0.84
0.72
0.72
EV-to-Revenue
2.01
3.06
3.09
2.59
2.69
3.05
-8.07
1.83
1.88
1.69
2.16
2.58
2.99
1.84
2.30
1.82
1.82
EV-to-EBITDA
5.97
8.85
9.73
8.35
10.62
15.36
-1.68
-18.56
-18.56
22.03
7.94
10.06
18.62
18.67
20.16
10.82
10.91
EV-to-EBIT
6.78
21.61
18.45
22.70
101
-45.17
11.26
4.19
26.44
6.27
10.42
11.86
14.97
6.84
22.83
64.37
22.20
EV-to-FCF
16.75
11.30
10.28
11.98
9.42
6.51
-59.52
-5.39
-5.39
4.54
12.59
9.94
5.37
5.36
4.96
9.24
9.17
Earnings Yield (Joel Greenblatt) %
23.18
14.62
12.32
12.67
13.20
11.08
--
--
--
--
--
--
22.37
38.97
28.69
26.55
30.07
Forward Rate of Return (Yacktman) %
9.56
16.20
16.60
14.72
14.27
15.83
32.78
226
--
--
--
--
--
--
--
--
-- Shiller PE Ratio
1.45
2.32
2.35
1.97
1.76
1.78
0.70
0.54
0.55
0.84
1.57
2.24
2.88
1.45
2.46
2.46
2.20
Cyclically Adjusted PB Ratio
0.51
0.87
0.94
0.82
0.74
0.76
0.30
0.21
0.20
0.29
0.51
0.67
0.77
0.33
0.49
0.41
0.35
Cyclically Adjusted PS Ratio
5.84
10.70
11.80
11.66
12.77
17.17
6.78
4.28
4.37
6.74
12.34
15.22
16.57
6.29
8.66
6.81
6.25
Cyclically Adjusted Price-to-FCF
--
0.37
1.46
2.01
2.58
2.56
6.41
4.27
2.16
--
0.87
3.08
2.64
6.03
4.09
5.14
5.91
Dividend Yield %
22.46
6.06
7.04
5.79
1.48
-3.36
18.90
48.99
7.62
23.02
12.31
9.72
10.38
32.42
7.96
3.03
9.47
FCF Yield %

Valuation and Quality

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
1,163
2,038
2,187
1,994
1,758
1,924
794
598
592
867
1,579
2,079
3,179
1,255
1,846
1,597
1,499
Market Cap
1,773
2,669
2,839
2,621
2,632
2,921
1,690
1,227
1,192
1,251
2,024
2,395
4,938
2,786
3,353
3,118
3,153
Enterprise Value
17.72
32.28
37.00
34.36
33.34
36.32
14.97
11.25
11.10
16.19
28.84
38.29
48.04
22.55
33.97
29.17
25.92
Month End Stock Price
-16.67
-20.01
-22.91
-23.00
-31.10
-34.65
-28.84
-23.38
-20.17
-17.84
-19.24
-18.41
-35.84
-37.62
-38.03
-35.80
-39.02
Net Cash per Share
-3.45
-3.12
-20.85
-20.78
-28.41
-29.43
-24.45
-20.96
-17.57
-15.51
-16.78
-15.73
-33.84
-34.66
-34.95
-31.86
-34.86
Net Current Asset Value
-10.93
-12.60
-22.26
-22.28
-30.22
-33.67
-27.76
-22.36
-19.15
-16.83
-18.05
-17.12
-34.36
-36.05
-36.44
-33.61
-37.20
Net-Net Working Capital
46.48
46.04
49.31
51.48
50.92
44.33
22.37
22.96
18.84
20.21
26.53
36.12
35.04
63.98
71.80
65.71
65.85
Intrinsic Value: Projected FCF
29.74
30.37
34.57
37.47
38.89
38.12
35.14
29.02
25.15
23.72
24.42
25.43
34.56
33.54
29.61
31.01
30.38
Median PS Value
19.77
17.11
--
--
15.64
15.79
--
--
--
--
--
--
66.36
74.13
9.42
44.40
41.92
Peter Lynch Fair Value
--
5.24
3.03
11.43
--
3.07
12.08
7.59
--
10.10
18.70
27.42
--
--
--
11.47
-- Graham Number
38.20
46.31
60.23
68.85
75.00
67.98
64.18
60.37
47.52
48.27
47.75
51.85
29.16
49.27
62.18
65.53
62.53
Earnings Power Value (EPV)
3.14
3.33
3.05
3.12
2.72
2.56
0.89
2.56
2.74
3.23
3.76
3.91
3.05
2.54
2.61
2.97
2.54
Altman Z-Score
8.00
8.00
5.00
7.00
5.00
3.00
5.00
5.00
6.00
8.00
6.00
7.00
4.00
7.00
5.00
5.00
6.00
Piotroski F-Score
-5.29
-2.72
-2.53
-2.35
-2.46
-2.31
-5.66
-4.09
-2.79
-3.00
-2.32
-2.40
-1.07
-3.40
-2.88
-2.08
-1.86
Beneish M-Score
0.74
0.81
0.75
0.75
0.77
0.79
0.39
0.45
0.54
0.47
0.65
0.57
1.30
0.69
0.75
0.79
0.90
Scaled Net Operating Assets
-3.65
4.55
1.29
2.55
4.11
5.32
-55.43
-24.98
-2.85
-15.34
-3.96
-0.44
36.03
-14.25
-5.68
2.27
7.85
Sloan Ratio %
2.00
1.80
0.58
0.55
0.49
0.77
0.80
0.58
0.63
0.73
0.52
0.68
0.55
0.69
0.58
0.75
0.69
Current Ratio
0.44
0.47
0.57
0.54
0.48
0.76
0.78
0.57
0.62
0.72
0.51
0.67
0.53
0.68
0.56
0.73
0.68
Quick Ratio
0.21
0.11
0.25
0.18
0.11
0.11
0.16
0.25
0.22
0.41
0.18
0.35
0.25
0.32
0.21
0.16
0.21
Cash Ratio
10.88
12.06
8.47
9.76
6.26
4.04
3.29
1.80
--
1.31
8.18
15.49
3.96
1.69
1.44
2.64
2.70
Interest Coverage
22.26
32.67
38.04
38.39
40.50
37.38
36.99
16.25
13.71
16.40
28.88
39.69
65.50
49.42
34.86
37.78
38.72
Highest Stock Price
14.85
17.66
22.13
32.61
33.09
23.86
14.96
8.93
7.98
7.30
16.11
12.07
38.14
17.28
22.23
26.73
19.69
Lowest Stock Price
0.51
3.82
6.40
1.80
9.13
-0.46
-0.17
-0.15
-0.30
-0.43
-2.24
0.82
-21.89
15.86
2.37
-0.70
-5.86
Shares Buyback Ratio %
0.76
4.15
7.51
3.10
12.37
--
--
--
--
--
0.08
1.28
12.27
5.98
2.71
--
-- Buyback Yield %
-3.69
0.26
12.35
11.18
8.33
5.97
3.97
-9.73
-10.02
-2.82
-2.18
5.79
35.86
4.99
0.86
6.37
5.91
YoY Rev. per Sh. Growth
21.15
3.17
1.54
14.77
-23.10
-22.32
-1,093
88.98
106
33.33
1,838
20.32
-45.84
-89.60
-143
2,556
573
YoY EPS Growth
-4.57
-0.23
12.09
14.89
4.09
1.51
-122
420
-6.90
15.82
22.83
-0.39
48.39
3.78
3.58
15.04
6.82
YoY EBITDA Growth
7.90
6.15
4.45
4.86
6.80
8.14
--
--
--
--
--
--
16.03
20.09
15.96
14.14
13.60
5-Year EBITDA Growth Rate
65.99
65.10
61.19
58.91
54.80
52.85
53.05
53.12
53.28
53.47
54.33
54.19
57.05
53.85
54.98
54.65
55.95
Shares Outstanding (Basic Average)
65.65
63.15
59.10
58.04
52.74
52.98
53.07
53.15
53.31
53.54
54.74
54.29
66.17
55.67
54.35
54.74
57.83
Shares Outstanding (EOP)
0.59
0.80
0.76
1.11
0.74
1.02
0.16
0.71
0.20
0.59
0.47
1.63
1.96
2.14
1.86
1.98
2.14
Beta
02/26/10
02/25/11
02/28/12
02/26/13
03/03/14
03/02/15
02/29/16
03/01/17
03/01/18
03/01/19
03/02/20
03/01/21
02/28/22
02/24/23
02/27/24
02/25/25
  Filing Date
02/28/12
02/26/13
03/03/14
03/02/15
02/29/16
03/01/17
03/01/18
03/01/19
03/02/20
03/01/21
02/28/22
02/24/23
02/27/24
02/25/25
02/25/25
02/25/25
  Restated Filing Date
02/01/10
02/01/11
01/31/12
01/29/13
01/28/14
02/03/15
02/02/16
02/14/17
02/21/18
02/26/19
02/25/20
02/25/21
02/24/22
02/23/23
02/22/24
02/20/25
  Earnings Release Date
66.00
67.00
69.00
50.00
44.00
41.00
37.00
38.00
35.00
26.00
38.00
51.00
46.00
40.00
38.00
58.00
58.00
Number of Shareholders
17,400
18,300
19,700
20,200
22,200
22,200
24,300
21,600
18,300
14,000
14,500
14,850
14,290
12,690
12,970
11,970
11,970
Number of Employees
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Business & Geographic Segmentation

Business Segments

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
--
--
--
--
--
--
--
--
--
--
--
2,328
2,110
1,931
2,261
2,337
Acima
--
--
--
--
--
--
--
2,070
1,835
1,856
1,800
1,853
2,038
1,950
1,864
1,863
1,867
Rent-A-Center
--
--
--
--
--
--
--
24.79
22.13
32.58
66.15
101
156
120
122
117
117
Franchising
--
--
--
--
--
--
--
50.93
47.01
49.61
53.96
50.58
61.40
64.88
74.63
78.73
76.35
Mexico
--
--
--
--
--
--
--
818
798
723
749
810
--
--
--
--
-- Preferred Lease

Geographic Segments

Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Dec23
Dec24
TTM Fiscal Period
--
--
--
--
--
--
--
2,912
2,655
2,610
2,616
2,764
4,522
4,181
3,918
4,242
-- United States
--
--
--
--
--
--
--
50.93
47.01
49.61
53.96
50.58
61.40
64.88
74.63
78.73
-- Mexico
--
--
--
--
--
--
--
0.71
0.72
0.42
--
--
--
--
--
--
-- Canada
* All financial numbers are in millions except for per share data, ratios and percentage change.
GuruFocus Manual of Stocks™  |  Jul 01, 2025
Upbound Group Inc (NAS:UPBD)
www.gurufocus.com/stock/NAS:UPBD/summary

Explanation

1. Predictability Rank

GuruFocus Predictability Rank is a proprietary ranking of the consistency of a business. We rank the predictability of companies based on the consistency of their revenue per share and EBITDA (earnings before interest, tax, depreciation and amortization) per share over the past 10 fiscal years. Our study found that there is a strong correlation between the stock performance and the predictability of a business. Over the long term, companies with higher predictability also have better stock performance.

The rank is from 1-star to 5-star, with 5-star as the best.

2. Financial Strength

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

  1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
  2. Debt to revenue ratio. The lower, the better.
  3. Altman Z-Score.

The rank is from 1 to 10, with 10 as the highest.

A Financial Strength rank of 8 or above indicates good financial strength; between 4-7 indicates fair financial strength; 3 or below means poor financial strength.

3. Profitability Rank

GuruFocus Profitability Rank indicates how profitable a company is and how likely it is that the company's business will stay that way. It is based on these factors:

  1. Operating Margin %.
  2. Piotroski F-Score.
  3. Trend of the Operating Margin percentage (five-year average). A company with an uptrend in profit margin will have a higher rank.
  4. Consistency of the profitability.
  5. Predictability Rank.

The rank is from 1 to 10, with 10 as the highest.

A Profitability Rank of 8 or above indicates good profitability; between 4-7 indicates fair profitability; 3 or below means poor profitability.

4. Peter Lynch Chart

In Peter Lynch's excellent book, "One Up on Wall Street," he used many charts to illustrate the valuation of stocks. “A quick way to tell if a stock is overpriced is to compare the price line to the earnings line. If you bought familiar growth companies – such as Shoney’s, The Limited, or Marriott – when the stock price fell well below the earnings line, and sold them when the stock price rose dramatically above it, the chances are you’d do pretty well.”

The original Peter Lynch Chart does have limitations due to the right side price scale is pre-set at 15 times the earnings scale on the left side. When the stock price and earnings line coincide, the price-to-earnings ratio is always 15 times. Instead of using the fixed PE Ratio of 15, our approach is using 15-year historical median PE without NRI Ratio for each stock.

The Peter Lynch Chart with earnings line at median PE without NRI ratio works well for the companies with steady growth and earnings trends, or the stalwarts, as coined by Lynch. These companies tend to be found in sectors such as consumer staples, healthcare, and utilities, where the consumption of the product or service is relatively independent of economic conditions. It does not work well with the sectors that are cyclical: industrials, chemicals, durable goods, and so forth.

5. GF Value

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

  1. Possible Value Trap, Think Twice
  2. Significantly Overvalued
  3. Modestly Overvalued
  4. Fairly Valued
  5. Modestly Undervalued
  6. Significantly Undervalued
There is only a sufficient margin of safety when the stock is undervalued.

Disclaimer

GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.