Comprehensive Stock Comparison
Compare Upbound Group, Inc. (UPBD) vs Intuit Inc. (INTU) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | INTU | 15.6% revenue growth vs UPBD's 8.2% |
| Value | UPBD | Lower P/E (5.1x vs 17.6x) |
| Quality / Margins | INTU | 21.6% net margin vs UPBD's 1.8% |
| Stability / Safety | INTU | Beta 0.93 vs UPBD's 1.28, lower leverage |
| Dividends | UPBD | 6.9% yield, vs INTU's 1.0% |
| Momentum (1Y) | UPBD | -10.9% vs INTU's -32.6% |
| Efficiency (ROA) | INTU | 12.7% ROA vs UPBD's 2.6%, ROIC 16.5% vs 10.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Upbound Group operates an omni-channel lease-to-own platform for household durable goods like furniture, electronics, and appliances. It generates revenue primarily through lease-to-own agreements — with its Rent-A-Center and Acima segments driving most of its business — plus franchise fees and installment sales. The company's competitive advantage lies in its dual-channel approach combining physical stores with virtual platforms, serving credit-constrained customers that traditional retailers often overlook.
Intuit is a financial technology company that provides software and services for small businesses, self-employed individuals, and consumers to manage their finances and taxes. It generates revenue primarily through subscription software—QuickBooks for small businesses (~60% of revenue) and TurboTax for consumer tax preparation (~30%)—plus payment processing and credit services. Its competitive moat comes from deep integration across its ecosystem—linking accounting, payroll, payments, and tax filing—which creates high switching costs for its millions of small business and individual customers.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
INTU leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). UPBD leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
INTU is the larger business by revenue, generating $20.1B annually — 4.4x UPBD's $4.6B. INTU is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to UPBD's 1.8%. On growth, INTU holds the edge at +17.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| RevenueTrailing 12 months | $4.6B | $20.1B |
| EBITDAEarnings before interest/tax | $981M | $5.9B |
| Net IncomeAfter-tax profit | $84M | $4.3B |
| Free Cash FlowCash after capex | $197M | $6.8B |
| Gross MarginGross profit ÷ Revenue | +47.9% | +81.2% |
| Operating MarginEBIT ÷ Revenue | +5.4% | +27.1% |
| Net MarginNet income ÷ Revenue | +1.8% | +21.6% |
| FCF MarginFCF ÷ Revenue | +4.3% | +34.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +9.0% | +17.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -60.0% | +47.9% |
Valuation Metrics
At 9.7x trailing earnings, UPBD trades at a 68% valuation discount to INTU's 29.9x P/E. On an enterprise value basis, UPBD's 8.1x EV/EBITDA is more attractive than INTU's 20.6x.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| Market CapShares × price | $1.2B | $114.2B |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $117.9B |
| Trailing P/EPrice ÷ TTM EPS | 9.71x | 29.92x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.11x | 17.64x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.05x |
| EV / EBITDAEnterprise value multiple | 8.07x | 20.57x |
| Price / SalesMarket cap ÷ Revenue | 0.29x | 6.06x |
| Price / BookPrice ÷ Book value/share | 1.91x | 5.87x |
| Price / FCFMarket cap ÷ FCF | 25.64x | 18.77x |
Profitability & Efficiency
INTU delivers a 22.8% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $12 for UPBD. INTU carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to UPBD's 2.52x. On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs UPBD's 5/9, reflecting strong financial health.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +12.3% | +22.8% |
| ROA (TTM)Return on assets | +2.6% | +12.7% |
| ROICReturn on invested capital | +10.4% | +16.5% |
| ROCEReturn on capital employed | +13.7% | +19.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 9 |
| Debt / EquityFinancial leverage | 2.52x | 0.34x |
| Net DebtTotal debt minus cash | $1.5B | $3.8B |
| Cash & Equiv.Liquid assets | $61M | $2.9B |
| Total DebtShort + long-term debt | $1.6B | $6.6B |
| Interest CoverageEBIT ÷ Interest expense | 2.20x | 428.27x |
Total Returns (with DRIP)
A $10,000 investment in INTU five years ago would be worth $10,487 today (with dividends reinvested), compared to $4,789 for UPBD. Over the past 12 months, UPBD leads with a -10.9% total return vs INTU's -32.6%. The 3-year compound annual growth rate (CAGR) favors INTU at 1.1% vs UPBD's -1.2% — a key indicator of consistent wealth creation.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +23.6% | -34.8% |
| 1-Year ReturnPast 12 months | -10.9% | -32.6% |
| 3-Year ReturnCumulative with dividends | -3.5% | +3.3% |
| 5-Year ReturnCumulative with dividends | -52.1% | +4.9% |
| 10-Year ReturnCumulative with dividends | +140.6% | +350.0% |
| CAGR (3Y)Annualised 3-year return | -1.2% | +1.1% |
Risk & Volatility
INTU is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than UPBD's 1.28 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UPBD currently trades 76.5% from its 52-week high vs INTU's 50.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.28x | 0.93x |
| 52-Week HighHighest price in past year | $28.03 | $813.70 |
| 52-Week LowLowest price in past year | $15.82 | $349.00 |
| % of 52W HighCurrent price vs 52-week peak | +76.5% | +50.3% |
| RSI (14)Momentum oscillator 0–100 | 62.0 | 33.1 |
| Avg Volume (50D)Average daily shares traded | 587K | 2.7M |
Analyst Outlook
Wall Street rates UPBD as "Buy" and INTU as "Buy". Consensus price targets imply 84.9% upside for UPBD (target: $40) vs 78.0% for INTU (target: $728). For income investors, UPBD offers the higher dividend yield at 6.86% vs INTU's 1.03%.
| Metric | UPBDUpbound Group, In… | INTUIntuit Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $39.67 | $728.11 |
| # AnalystsCovering analysts | 20 | 42 |
| Dividend YieldAnnual dividend ÷ price | +6.9% | +1.0% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | $1.47 | $4.20 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.4% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Feb 20 | Feb 26 | Change |
|---|---|---|---|
| Upbound Group, Inc. (UPBD) | 100 | 92.86 | -7.1% |
| Intuit Inc. (INTU) | 100 | 183.23 | +83.2% |
Intuit Inc. (INTU) returned +5% over 5 years vs Upbound Group, Inc. (UPBD)'s -52%. A $10,000 investment in INTU 5 years ago would be worth $10,487 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Upbound Group, Inc. (UPBD) | $3.0B | $4.3B | +45.8% |
| Intuit Inc. (INTU) | $4.7B | $18.8B | +301.2% |
Intuit Inc.'s revenue grew from $4.7B (2016) to $18.8B (2025) — a 16.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Upbound Group, Inc. (UPBD) | -3.8% | 2.9% | +174.8% |
| Intuit Inc. (INTU) | 20.9% | 20.5% | -1.5% |
Intuit Inc.'s net margin went from 21% (2016) to 21% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Upbound Group, Inc. (UPBD) | 92.5 | 13.2 | -85.7% |
| Intuit Inc. (INTU) | 42.4 | 48.5 | +14.4% |
Upbound Group, Inc. has traded in a 9x–107x P/E range over 7 years; current trailing P/E is ~10x. Intuit Inc. has traded in a 39x–85x P/E range over 9 years; current trailing P/E is ~30x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Upbound Group, Inc. (UPBD) | -2.13 | 2.21 | +203.8% |
| Intuit Inc. (INTU) | 3.04 | 13.67 | +349.7% |
Intuit Inc.'s EPS grew from $3.04 (2016) to $13.67 (2025) — a 18% CAGR.
Chart 6Free Cash Flow — 5 Years
Upbound Group, Inc. generated $48M FCF in 2024 (-85% vs 2021). Intuit Inc. generated $6B FCF in 2025 (+95% vs 2021).
UPBD vs INTU: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is UPBD or INTU a better buy right now?
Upbound Group, Inc. (UPBD) offers the better valuation at 9.7x trailing P/E (5.1x forward), making it the more compelling value choice. Analysts rate Upbound Group, Inc. (UPBD) a "Buy" — based on 20 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — UPBD or INTU?
On trailing P/E, Upbound Group, Inc. (UPBD) is the cheapest at 9.7x versus Intuit Inc. at 29.9x. On forward P/E, Upbound Group, Inc. is actually cheaper at 5.1x.
03Which is the better long-term investment — UPBD or INTU?
Over the past 5 years, Intuit Inc. (INTU) delivered a total return of +4.9%, compared to -52.1% for Upbound Group, Inc. (UPBD). A $10,000 investment in INTU five years ago would be worth approximately $10K today (assuming dividends reinvested). Over 10 years, the gap is even starker: INTU returned +350.0% versus UPBD's +140.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — UPBD or INTU?
By beta (market sensitivity over 5 years), Intuit Inc. (INTU) is the lower-risk stock at 0.93β versus Upbound Group, Inc.'s 1.28β — meaning UPBD is approximately 38% more volatile than INTU relative to the S&P 500. On balance sheet safety, Intuit Inc. (INTU) carries a lower debt/equity ratio of 34% versus 3% for Upbound Group, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — UPBD or INTU?
Intuit Inc. (INTU) is the more profitable company, earning 20.5% net margin versus 2.9% for Upbound Group, Inc. — meaning it keeps 20.5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: INTU leads at 26.1% versus 6.7% for UPBD. At the gross margin level — before operating expenses — INTU leads at 80.8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is UPBD or INTU more undervalued right now?
On forward earnings alone, Upbound Group, Inc. (UPBD) trades at 5.1x forward P/E versus 17.6x for Intuit Inc. — 12.5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UPBD: 84.9% to $39.67.
07Which pays a better dividend — UPBD or INTU?
All stocks in this comparison pay dividends. Upbound Group, Inc. (UPBD) offers the highest yield at 6.9%, versus 1.0% for Intuit Inc. (INTU).
08Is UPBD or INTU better for a retirement portfolio?
For long-horizon retirement investors, Intuit Inc. (INTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.93), 1.0% yield, +350.0% 10Y return). Both have compounded well over 10 years (INTU: +350.0%, UPBD: +140.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between UPBD and INTU?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: UPBD is a small-cap deep-value stock; INTU is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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