Upbound Group, Inc. (UPBD) 10-Year Financial Performance & Capital Metrics

UPBD • • Industrial / General

TechnologyApplication SoftwareMarketing & Customer EngagementDigital Advertising

AboutUpbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company operates in four segments: Rent-A-Center Business, Acima, Mexico, and Franchising. The company's brands, such as Rent-A-Center and Acima that facilitate consumer transactions across a range of store-based and virtual channels. It offers furniture comprising mattresses, tires, consumer electronics, appliances, tools, handbags, computers, smartphones, and accessories. The company also provides merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer through kiosks located within retailer's locations. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchised lease-to-own stores under the Rent-A-Centre, ColorTyme, and RimTyme names; and company-owned stores and e-commerce platform through rentacenter.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was founded in 1960 and is headquartered in Plano, Texas.Show more

Revenue $4.32B +8.2%
EBITDA $343M +19.3%
Net Income $123M +2484.2%
EPS (Diluted) 2.21 +2446.1%
Gross Margin 48.15% -4.9%
EBITDA Margin 7.93% +10.2%
Operating Margin 6.75% +65.5%
Net Margin 2.86% +2303.5%
ROE 20.76% +2276.0%
ROIC 10.37% +75.0%
Debt/Equity 2.52 -11.9%
Interest Coverage 2.64 +83.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y sales CAGR of 10.1%
✓Efficient asset utilization: 1.6x turnover

✗Weaknesses

✗High debt to equity ratio of 2.5x
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y3.18%

5Y10.11%

3Y-1.95%

TTM7.48%

Profit (Net Income) CAGR

10Y2.5%

5Y-6.58%

3Y-2.92%

TTM3.99%

EPS CAGR

10Y2.02%

5Y-6.54%

3Y3.04%

TTM0%

ROCE

10Y Avg3.53%

5Y Avg12.25%

3Y Avg9.21%

Latest13.75%

Peer Comparison

Digital Advertising

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SEMRSemrush Holdings, Inc.	1.54B	11.88	214.83	22.47%	-1.05%	-1.51%	2.8%	0.05
APPAppLovin Corporation	186.71B	606.99	133.99	43.44%	51.28%	192.05%	1.12%	3.26
DSPViant Technology Inc.	199.15M	11.94	99.50	29.74%	1.85%	2.32%	24.74%	0.09
VTEXVtex	327.46M	3.37	54.01	12.5%	7.03%	6.81%	7.69%	0.01
TTDThe Trade Desk, Inc.	15.95B	36.23	46.45	25.63%	15.72%	16.86%	3.96%	0.11
PUBMPubMatic, Inc.	299.11M	7.84	34.09	9.08%	-2.51%	-2.96%	11.67%	0.16
DVDoubleVerify Holdings, Inc.	1.7B	10.56	33	14.72%	6.1%	4.16%	7.79%	0.08
MTCHMatch Group, Inc.	7.46B	31.60	15.64	3.41%	16.2%		11.83%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	3.28B	2.96B	2.7B	2.66B	2.67B	2.81B	4.58B	4.25B	3.99B	4.32B
Revenue Growth %	0.04%	-0.1%	-0.09%	-0.02%	0%	0.05%	0.63%	-0.07%	-0.06%	0.08%
Cost of Goods Sold+	1.16B	1.03B	984M	972.3M	1.03B	1.14B	2.35B	2.17B	1.97B	2.24B
COGS % of Revenue	0.35%	0.35%	0.36%	0.37%	0.38%	0.41%	0.51%	0.51%	0.49%	0.52%
Gross Profit+	2.12B	1.94B	1.72B	1.69B	1.64B	1.67B	2.24B	2.08B	2.02B	2.08B
Gross Margin %	0.65%	0.65%	0.64%	0.63%	0.62%	0.59%	0.49%	0.49%	0.51%	0.48%
Gross Profit Growth %	-0.03%	-0.09%	-0.11%	-0.02%	-0.03%	0.02%	0.34%	-0.07%	-0.03%	0.03%
Operating Expenses+	1.96B	1.85B	1.78B	1.63B	1.39B	1.43B	1.95B	1.93B	1.86B	1.79B
OpEx % of Revenue	0.6%	0.62%	0.66%	0.61%	0.52%	0.51%	0.43%	0.45%	0.47%	0.41%
Selling, General & Admin	1.02B	957.96M	903.56M	846.87M	772.73M	732.23M	839.66M	820.81M	977.63M	821.62M
SG&A % of Revenue	0.31%	0.32%	0.33%	0.32%	0.29%	0.26%	0.18%	0.19%	0.24%	0.19%
Research & Development	0	0	0	0	0	0	0	0	9.22M	0
R&D % of Revenue	-	-	-	-	-	-	-	-	0%	-
Other Operating Expenses	0	0	0	0	617.48M	702.58M	1.11B	1.11B	872.55M	967.1M
Operating Income+	-1.01B	-66.6M	-63.06M	56.14M	253.86M	237.34M	280.54M	148.54M	162.87M	291.63M
Operating Margin %	-0.31%	-0.02%	-0.02%	0.02%	0.1%	0.08%	0.06%	0.03%	0.04%	0.07%
Operating Income Growth %	-6.21%	0.93%	0.05%	1.89%	3.52%	-0.07%	0.18%	-0.47%	0.1%	0.79%
EBITDA+	-927.17M	12.94M	15.53M	125.08M	315.17M	294M	450.37M	282.41M	287.12M	342.52M
EBITDA Margin %	-0.28%	0%	0.01%	0.05%	0.12%	0.1%	0.1%	0.07%	0.07%	0.08%
EBITDA Growth %	-4.3%	1.01%	0.2%	7.05%	1.52%	-0.07%	0.53%	-0.37%	0.02%	0.19%
D&A (Non-Cash Add-back)	80.72M	79.54M	78.59M	68.95M	61.31M	56.67M	169.83M	133.87M	124.26M	50.89M
EBIT	-1.01B	-66.09M	-64.2M	97.74M	254.81M	238.1M	265.18M	149.18M	166.28M	288.13M
Net Interest Income+	-48.69M	-46.68M	-45.2M	-41.82M	-27.91M	-14.56M	-70.65M	-87.07M	-110M	-107.49M
Interest Income	634K	503K	791K	1.15M	3.12M	768K	221K	641K	3.42M	3.1M
Interest Expense	49.33M	47.18M	46M	42.97M	31.03M	15.32M	70.87M	87.71M	113.42M	110.58M
Other Income/Expense	-48.69M	-46.68M	-47.14M	-42.3M	-30.08M	-14.56M	-86.23M	-87.07M	-110M	-114.09M
Pretax Income+	-1.06B	-113.27M	-110.2M	13.84M	223.78M	222.78M	194.3M	61.47M	52.87M	177.54M
Pretax Margin %	-0.32%	-0.04%	-0.04%	0.01%	0.08%	0.08%	0.04%	0.01%	0.01%	0.04%
Income Tax+	-189.95M	-8.08M	-116.85M	5.35M	50.24M	14.66M	59.36M	49.11M	58.05M	54.06M
Effective Tax Rate %	0.82%	1%	-0.06%	0.61%	0.78%	0.93%	0.69%	0.2%	-0.1%	0.7%
Net Income+	-866.63M	-113.27M	6.65M	8.49M	173.55M	208.12M	134.94M	12.36M	-5.18M	123.48M
Net Margin %	-0.26%	-0.04%	0%	0%	0.07%	0.07%	0.03%	0%	-0%	0.03%
Net Income Growth %	-9.99%	0.87%	1.06%	0.28%	19.44%	0.2%	-0.35%	-0.91%	-1.42%	24.84%
Net Income (Continuing)	-953.52M	-105.19M	6.65M	8.49M	173.55M	208.12M	134.94M	12.36M	-5.18M	123.48M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	-16.34	-2.13	0.12	0.16	3.10	3.73	2.02	0.21	-0.09	2.21
EPS Growth %	-10.03%	0.87%	1.06%	0.33%	18.38%	0.2%	-0.46%	-0.9%	-1.45%	24.46%
EPS (Basic)	-16.34	-2.13	0.12	0.16	3.19	3.84	2.37	0.23	-0.09	2.26
Diluted Shares Outstanding	53.05M	53.12M	53.84M	54.54M	55.95M	55.75M	66.84M	58.97M	54.98M	55.93M
Basic Shares Outstanding	53.05M	53.12M	53.28M	53.47M	54.33M	54.19M	57.05M	53.85M	54.98M	54.65M
Dividend Payout Ratio	-	-	1.93%	-	0.08%	0.3%	0.53%	6.41%	-	0.67%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	305.7M	223.8M	211.39M	280.22M	205.54M	304.9M	241.12M	1.43B	1.5B	1.52B
Cash & Short-Term Investments	60.36M	95.4M	72.97M	155.39M	70.49M	159.45M	108.33M	144.14M	93.7M	60.86M
Cash Only	60.36M	95.4M	72.97M	155.39M	70.49M	159.45M	108.33M	144.14M	93.7M	60.86M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	69.32M	69.78M	69.82M	69.64M	84.12M	90M	126.38M	111.86M	111M	156.44M
Days Sales Outstanding	7.72	8.6	9.43	9.55	11.5	11.67	10.06	9.62	10.15	13.22
Inventory	4.67M	3.63M	868.99M	3.83M	4.88M	5.44M	6.41M	1.13B	1.24B	0
Days Inventory Outstanding	1.47	1.29	322.34	1.44	1.74	1.74	1	190.74	229.81	-
Other Current Assets	0	1B	0	796.17M	0	0	-63.47M	46.07M	50.26M	1.3B
Total Non-Current Assets+	1.68B	1.38B	1.21B	1.12B	1.38B	1.45B	2.75B	1.33B	1.23B	1.13B
Property, Plant & Equipment	1.47B	1.32B	1.15B	1.03B	1.28B	1.33B	1.91B	597.68M	562.82M	519.69M
Fixed Asset Turnover	2.23x	2.25x	2.35x	2.57x	2.08x	2.11x	2.41x	7.10x	7.09x	8.31x
Goodwill	206.12M	55.31M	56.61M	56.84M	70.22M	70.22M	289.75M	289.75M	289.75M	290.19M
Intangible Assets	7.78M	5.25M	882K	499K	8.76M	7.87M	425.16M	359.41M	301.4M	255.25M
Long-Term Investments	0	0	0	-2.6M	0	0	0	0	0	0
Other Non-Current Assets	0	0	882K	2.6M	0	0	63.47M	0	0	10.7M
Total Assets+	1.99B	1.6B	1.42B	1.4B	1.58B	1.75B	2.99B	2.76B	2.72B	2.65B
Asset Turnover	1.65x	1.85x	1.90x	1.90x	1.69x	1.61x	1.53x	1.54x	1.47x	1.63x
Asset Growth %	-0.39%	-0.19%	-0.11%	-0.02%	0.13%	0.11%	0.71%	-0.08%	-0.02%	-0.03%
Total Current Liabilities+	308.06M	325.04M	283.58M	329.97M	395.64M	449.18M	441.27M	589.44M	607.43M	521.11M
Accounts Payable	96.36M	108.24M	90.35M	113.84M	168.12M	186.06M	135.67M	155.45M	177.25M	115.48M
Days Payables Outstanding	30.31	38.42	33.51	42.73	59.82	59.47	21.09	26.2	32.84	18.82
Short-Term Debt	14.57M	0	0	0	0	0	0	113.36M	107.28M	101.42M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	214.51M	233.39M	208.49M	54.51M	0	0	0	215.76M	195.11M	101.37M
Current Ratio	0.99x	0.69x	0.75x	0.85x	0.52x	0.68x	0.55x	2.43x	2.46x	2.91x
Quick Ratio	0.98x	0.68x	-2.32x	0.84x	0.51x	0.67x	0.53x	0.51x	0.42x	2.91x
Cash Conversion Cycle	-21.12	-28.54	298.26	-31.74	-46.59	-46.05	-10.03	174.16	207.12	-
Total Non-Current Liabilities+	1.21B	1.01B	864.75M	780.43M	728.2M	709.72M	2.04B	1.65B	1.55B	1.5B
Long-Term Debt	955.83M	724.23M	672.89M	540.04M	230.91M	190.49M	1.57B	1.36B	1.31B	1.31B
Capital Lease Obligations	12.54M	0	51.74M	53.35M	285.04M	285.35M	296.54M	200.94M	186.16M	171.56M
Deferred Tax Liabilities	119.25M	173.14M	87.08M	119.06M	163.98M	176.41M	113.94M	87.99M	60.84M	18.39M
Other Non-Current Liabilities	26.36M	0	53.04M	67.98M	-4.33M	-3.6M	-14.28M	0	0	0
Total Liabilities	1.52B	1.34B	1.15B	1.11B	1.12B	1.16B	2.48B	2.24B	2.16B	2.02B
Total Debt+	968.37M	724.23M	672.89M	540.04M	515.95M	475.84M	1.87B	1.67B	1.6B	1.58B
Net Debt	908.01M	628.83M	599.92M	384.65M	445.46M	316.39M	1.76B	1.53B	1.51B	1.52B
Debt / Equity	2.06x	2.73x	2.47x	1.88x	1.12x	0.80x	3.64x	3.19x	2.86x	2.52x
Debt / EBITDA	-	55.96x	43.32x	4.32x	1.64x	1.62x	4.15x	5.93x	5.57x	4.62x
Net Debt / EBITDA	-	48.59x	38.62x	3.08x	1.41x	1.08x	3.91x	5.42x	5.25x	4.44x
Interest Coverage	-20.43x	-1.41x	-1.37x	1.31x	8.18x	15.49x	3.96x	1.69x	1.44x	2.64x
Total Equity+	470.48M	264.93M	272.44M	286.52M	458.96M	592.08M	513.28M	525.15M	560.37M	628.98M
Equity Growth %	-0.66%	-0.44%	0.03%	0.05%	0.6%	0.29%	-0.13%	0.02%	0.07%	0.12%
Book Value per Share	8.87	4.99	5.06	5.25	8.20	10.62	7.68	8.91	10.19	11.25
Total Shareholders' Equity	470.48M	264.93M	272.44M	286.52M	458.96M	592.08M	513.28M	525.15M	560.37M	628.98M
Common Stock	1.09M	1.09M	1.1M	1.1M	1.11M	1.1M	1.06M	1.08M	1.1M	1.11M
Retained Earnings	1.01B	800.64M	798.74M	805.92M	947.88M	1.09B	1.14B	1.08B	994.89M	1.04B
Treasury Stock	-1.35B	-1.35B	-1.35B	-1.35B	-1.35B	-1.38B	-1.77B	-1.84B	-1.89B	-1.89B
Accumulated OCI	-11.04M	-16.23M	-10.99M	-11.27M	-10.67M	-11.4M	-12.37M	-10.63M	-4.36M	-11.21M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	230.49M	353.74M	110.53M	227.5M	215.42M	236.5M	392.3M	468.46M	200.29M	104.72M
Operating CF Margin %	0.07%	0.12%	0.04%	0.09%	0.08%	0.08%	0.09%	0.11%	0.05%	0.02%
Operating CF Growth %	11.06%	0.53%	-0.69%	1.06%	-0.05%	0.1%	0.66%	0.19%	-0.57%	-0.48%
Net Income	-866.63M	-105.19M	6.65M	8.49M	173.55M	208.12M	134.94M	12.36M	-5.18M	123.48M
Depreciation & Amortization	797.86M	736.63M	696.98M	685.59M	680.67M	690.36M	1.39B	1.36B	1.29B	118.38M
Stock-Based Compensation	9.54M	9.21M	3.9M	5.96M	6.96M	12.28M	147.55M	159.36M	162.12M	0
Deferred Taxes	-231.71M	-32.99M	-86.06M	6.82M	55.26M	-6.61M	48.31M	-41.21M	-17.94M	-27.15M
Other Non-Cash Items	1.2B	172.7M	38.1M	27.96M	-3.31M	34.43M	30.68M	37.15M	32.81M	1.37B
Working Capital Changes	-678.77M	-426.62M	-549.04M	-507.31M	-697.71M	-702.08M	-1.36B	-1.06B	-1.27B	-1.48B
Change in Receivables	-19.09M	-15.91M	-15.74M	-14.43M	-28.86M	-20.67M	-25.52M	-10.14M	-25.01M	-62.28M
Change in Inventory	-622.15M	-523.7M	-487.13M	-569.72M	0	-736.44M	0	-1.05B	-1.27B	-1.33B
Change in Payables	-45.52M	11.88M	-17.89M	23.49M	54.28M	17.94M	-66.42M	19.78M	21.8M	-61.77M
Cash from Investing+	-90.08M	-58.98M	-63.35M	-4.69M	20.76M	-20.61M	-1.34B	-62.33M	-50.96M	-41.51M
Capital Expenditures	-80.87M	-61.14M	-65.46M	-27.96M	-21.16M	-34.55M	-62.45M	-61.39M	-53.4M	-56.27M
CapEx % of Revenue	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	15.96M	5.26M	4.64M	25.32M	70.83M	14.63M	4K	52K	2.48M	-2.5M
Cash from Financing+	-123.88M	-259.37M	-70.54M	-140.31M	-321.63M	-126.68M	892.85M	-370.71M	-202.12M	-93.52M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-51.01M	-25.55M	-12.81M	0	-13.71M	-63.12M	-71.5M	-79.19M	-83.06M	-82.3M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	2.08M	0	-5.48M	-1.01M	-3.39M	10.28M	-56.47M	1.79M	-464K	-4.08M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	149.62M	292.59M	45.07M	199.54M	194.26M	201.96M	329.85M	407.07M	146.89M	48.45M
FCF Margin %	0.05%	0.1%	0.02%	0.08%	0.07%	0.07%	0.07%	0.1%	0.04%	0.01%
FCF Growth %	3.31%	0.96%	-0.85%	3.43%	-0.03%	0.04%	0.63%	0.23%	-0.64%	-0.67%
FCF per Share	2.82	5.51	0.84	3.66	3.47	3.62	4.93	6.90	2.67	0.87
FCF Conversion (FCF/Net Income)	-0.27x	-3.12x	16.61x	26.79x	1.24x	1.14x	2.91x	37.91x	-38.67x	0.85x
Interest Paid	49.39M	44.47M	41.34M	37.53M	32.11M	14.22M	51.07M	71.19M	106.16M	0
Taxes Paid	128.08M	18.54M	1.98M	2.23M	24.33M	51.57M	19.34M	72.31M	89.24M	0

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-93.19%	-30.81%	2.48%	3.04%	46.56%	39.6%	24.42%	2.38%	-0.95%	20.76%
Return on Invested Capital (ROIC)	-40.16%	-4.4%	-5.36%	5.46%	24.17%	19.64%	13.23%	5.15%	5.93%	10.37%
Gross Margin	64.61%	65.3%	63.59%	63.45%	61.58%	59.42%	48.76%	48.98%	50.65%	48.15%
Net Margin	-26.43%	-3.82%	0.25%	0.32%	6.5%	7.4%	2.94%	0.29%	-0.13%	2.86%
Debt / Equity	2.06x	2.73x	2.47x	1.88x	1.12x	0.80x	3.64x	3.19x	2.86x	2.52x
Interest Coverage	-20.43x	-1.41x	-1.37x	1.31x	8.18x	15.49x	3.96x	1.69x	1.44x	2.64x
FCF Conversion	-0.27x	-3.12x	16.61x	26.79x	1.24x	1.14x	2.91x	37.91x	-38.67x	0.85x
Revenue Growth	3.82%	-9.61%	-8.8%	-1.56%	0.35%	5.41%	62.87%	-7.38%	-5.96%	8.22%

Revenue by Segment

	2024
Acima	2.26B
Acima Growth	-
Franchising	116.97M
Franchising Growth	-

Revenue by Geography

	2024
Mexico	78.73M
Mexico Growth	-

Frequently Asked Questions

Valuation & Price

Upbound Group, Inc. (UPBD) has a price-to-earnings (P/E) ratio of 9.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Upbound Group, Inc. (UPBD) reported $4.58B in revenue for fiscal year 2024. This represents a 59% increase from $2.88B in 2011.

Upbound Group, Inc. (UPBD) grew revenue by 8.2% over the past year. This is steady growth.

Yes, Upbound Group, Inc. (UPBD) is profitable, generating $84.5M in net income for fiscal year 2024 (2.9% net margin).

Dividend & Returns

Yes, Upbound Group, Inc. (UPBD) pays a dividend with a yield of 7.32%. This makes it attractive for income-focused investors.

Upbound Group, Inc. (UPBD) has a return on equity (ROE) of 20.8%. This is excellent, indicating efficient use of shareholder capital.

Upbound Group, Inc. (UPBD) generated $196.9M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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