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Upbound Group, Inc.(UPBD)Earnings, Financials & Key Ratios
UPBD•NASDAQ
14.7× P/E·Price updated Jun 19, 2026
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$4.7B+8.7%
- EBITDA$275M-19.6%
- Net Income$73M-40.7%
- EPS (Diluted)1.25-43.4%
- Gross Margin34.45%-28.5%
- EBITDA Margin5.86%-26.0%
- Operating Margin4.76%-29.5%
- Net Margin1.56%-45.4%
- ROE11.06%-46.7%
UPBD Key Insights
Upbound Group, Inc. (UPBD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 10.8%
- ✓Efficient asset utilization: 1.4x turnover
✗Weaknesses
- ✗High debt to equity ratio of 2.7x
- ✗Profits declining 18.8% over 5 years
- ✗Dividend payout exceeds 100% of earnings
- ✗Thin 5Y average net margin of 1.5%
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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UPBD Price & Volume
Upbound Group, Inc. (UPBD) stock price & volume — 10-year historical chart
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UPBD Growth Metrics
Upbound Group, Inc. (UPBD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.66%
5 Years10.78%
3 Years3.41%
TTM7.67%
Profit CAGR
10 Years-
5 Years-18.85%
3 Years80.97%
TTM-30.14%
EPS CAGR
10 Years-
5 Years-19.64%
3 Years81.23%
TTM-32.86%
Return on Capital
10 Years8.87%
5 Years10.34%
3 Years10.29%
Last Year9.53%
UPBD Recent Earnings
Upbound Group, Inc. (UPBD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$1.08+1.9%
$1.06
Rev
$1.2B-0.5%
$1.2B
Q1 2026
Feb 19, 2026Metric
Actual
Est
EPS
$1.01+4.1%
$0.97
Rev
$1.2B+2.1%
$1.2B
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$1.00+2.0%
$0.98
Rev
$1.2B-0.9%
$1.2B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$1.12+6.7%
$1.05
Rev
$1.2B+1.0%
$1.1B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $1.08vs $1.06+1.9% | $1.2Bvs $1.2B-0.5% |
| Q1 2026 | Feb 19, 2026 | $1.01vs $0.97+4.1% | $1.2Bvs $1.2B+2.1% |
| Q4 2025 | Oct 30, 2025 | $1.00vs $0.98+2.0% | $1.2Bvs $1.2B-0.9% |
| Q3 2025 | Jul 31, 2025 | $1.12vs $1.05+6.7% | $1.2Bvs $1.1B+1.0% |
Based on last 12 quarters of dataView full earnings history →
UPBD Peer Comparison
Upbound Group, Inc. (UPBD) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRAA | 569.83M | 14.94 | -1.92 | 10.36% | -21.88% | -25% | 0.03 | |
 WRLD | 896.53M | 177.95 | 10.92 | -1.46% | 7.46% | 10.79% | 1.20 | |
 FCFS | 10.02B | 227.05 | 30.60 | 8.04% | 9.14% | 15.91% | 1.24 | |
 RM | 349.57M | 37.20 | 8.36 | 9.7% | 7.4% | 13.16% | 4.65 | |
 WHR | 2.52B | 38.86 | 6.87 | -6.52% | 1.08% | 5.6% | 2.89 | |
 AAPL | 4.38T | 298.01 | 39.95 | 6.43% | 27.15% | 146.69% | 1.52 | |
 DELL | 272.34B | 410.00 | 47.24 | 18.8% | 6.28% | |||
 BBY | 15.75B | 74.73 | 14.83 | 0.39% | 2.73% | 40.05% | 1.39 |
Compare UPBD vs Peers
Upbound Group, Inc. (UPBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UPBD Income Statement
Upbound Group, Inc. (UPBD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 2.7B | 2.66B | 2.67B | 2.81B | 4.58B | 4.25B | 3.99B | 4.32B | 4.7B | 4.74B |
Revenue Growth % | -8.8% | -1.56% | 0.35% | 5.41% | 62.87% | -7.38% | -5.96% | 8.22% | 8.67% | 7.67% |
Cost of Goods Sold | 984M | 972.3M | 1.03B | 1.14B | 2.35B | 2.17B | 1.97B | 2.24B | 3.08B | 2.6B |
COGS % of Revenue | 36.41% | 36.55% | 38.42% | 40.58% | 51.24% | 51.02% | 49.35% | 51.85% | 65.55% | - |
Gross Profit | 1.72B▲ 0% | 1.69B▼ 1.8% | 1.64B▼ 2.6% | 1.67B▲ 1.7% | 2.24B▲ 33.7% | 2.08B▼ 7.0% | 2.02B▼ 2.8% | 2.08B▲ 2.9% | 1.62B▼ 22.3% | 2.14B▲ 0% |
Gross Margin % | 63.59% | 63.45% | 61.58% | 59.42% | 48.76% | 48.98% | 50.65% | 48.15% | 34.45% | 45.2% |
Gross Profit Growth % | -11.19% | -1.77% | -2.61% | 1.71% | 33.66% | -6.96% | -2.75% | 2.87% | -22.25% | - |
Operating Expenses | 1.78B | 1.63B | 1.39B | 1.43B | 1.95B | 1.93B | 1.86B | 1.79B | 1.39B | 1.64B |
OpEx % of Revenue | 65.92% | 61.34% | 52.07% | 50.98% | 42.64% | 45.48% | 46.57% | 41.4% | 29.69% | - |
Selling, General & Admin | 903.56M | 846.87M | 772.73M | 732.23M | 839.66M | 820.81M | 977.63M | 821.62M | 1.18B | 784.77M |
SG&A % of Revenue | 33.43% | 31.83% | 28.94% | 26.02% | 18.32% | 19.33% | 24.49% | 19.02% | 25.17% | - |
Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 9.22M | 0 | 0 | 0 |
R&D % of Revenue | - | - | - | - | - | - | 0.23% | - | - | - |
Other Operating Expenses | 0 | 0 | 617.48M | 702.58M | 1.11B | 1.11B | 872.55M | 967.1M | 212.22M | 4M |
Operating Income | -63.06M▲ 0% | 56.14M▲ 189.0% | 253.86M▲ 352.2% | 237.34M▼ 6.5% | 280.54M▲ 18.2% | 148.54M▼ 47.1% | 162.87M▲ 9.6% | 291.63M▲ 79.1% | 223.35M▼ 23.4% | 238.17M▲ 0% |
Operating Margin % | -2.33% | 2.11% | 9.51% | 8.43% | 6.12% | 3.5% | 4.08% | 6.75% | 4.76% | 5.03% |
Operating Income Growth % | 5.31% | 189.02% | 352.21% | -6.51% | 18.2% | -47.05% | 9.65% | 79.06% | -23.41% | - |
EBITDA | 15.53M | 125.08M | 315.17M | 294M | 450.37M | 282.41M | 287.12M | 342.52M | 275.31M | 1.03B |
EBITDA Margin % | 0.57% | 4.7% | 11.8% | 10.45% | 9.83% | 6.65% | 7.19% | 7.93% | 5.86% | 21.65% |
EBITDA Growth % | 20.04% | 705.22% | 151.97% | -6.72% | 53.19% | -37.29% | 1.67% | 19.29% | -19.62% | 215.15% |
D&A (Non-Cash Add-back) | 78.59M | 68.95M | 61.31M | 56.67M | 169.83M | 133.87M | 124.26M | 50.89M | 51.96M | 787.66M |
EBIT | -64.2M | 97.74M | 254.81M | 238.1M | 265.18M | 149.18M | 166.28M | 288.13M | 221.07M | 157.76M |
Net Interest Income | -45.2M | -41.82M | -27.91M | -14.56M | -70.65M | -87.07M | -110M | -107.49M | -110.36M | -83.26M |
Interest Income | 791K | 1.15M | 3.12M | 768K | 221K | 641K | 3.42M | 3.1M | 2.62M | 1.21M |
Interest Expense | 46M | 42.97M | 31.03M | 15.32M | 70.87M | 87.71M | 113.42M | 110.58M | 112.98M | 112.06M |
Other Income/Expense | -47.14M | -42.3M | -30.08M | -14.56M | -86.23M | -87.07M | -110M | -114.09M | -115.26M | -114.32M |
Pretax Income | -110.2M▲ 0% | 13.84M▲ 112.6% | 223.78M▲ 1516.8% | 222.78M▼ 0.4% | 194.3M▼ 12.8% | 61.47M▼ 68.4% | 52.87M▼ 14.0% | 177.54M▲ 235.8% | 108.09M▼ 39.1% | 123.85M▲ 0% |
Pretax Margin % | -4.08% | 0.52% | 8.38% | 7.92% | 4.24% | 1.45% | 1.32% | 4.11% | 2.3% | 2.61% |
Income Tax | -116.85M | 5.35M | 50.24M | 14.66M | 59.36M | 49.11M | 58.05M | 54.06M | 34.85M | 39.61M |
Effective Tax Rate % | 106.04% | 38.65% | 22.45% | 6.58% | 30.55% | 79.9% | 109.8% | 30.45% | 32.24% | 31.98% |
Net Income | 6.65M▲ 0% | 8.49M▲ 27.6% | 173.55M▲ 1943.6% | 208.12M▲ 19.9% | 134.94M▼ 35.2% | 12.36M▼ 90.8% | -5.18M▼ 141.9% | 123.48M▲ 2484.2% | 73.24M▼ 40.7% | 84.24M▲ 0% |
Net Margin % | 0.25% | 0.32% | 6.5% | 7.4% | 2.94% | 0.29% | -0.13% | 2.86% | 1.56% | 1.78% |
Net Income Growth % | 105.87% | 27.64% | 1943.64% | 19.92% | -35.16% | -90.84% | -141.91% | 2484.21% | -40.68% | -30.14% |
Net Income (Continuing) | 6.65M | 8.49M | 173.55M | 208.12M | 134.94M | 12.36M | -5.18M | 123.48M | 73.24M | 84.24M |
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) | 0.12▲ 0% | 0.16▲ 33.3% | 3.10▲ 1837.5% | 3.73▲ 20.3% | 2.02▼ 45.8% | 0.21▼ 89.6% | -0.09▼ 144.9% | 2.21▲ 2446.1% | 1.25▼ 43.4% | -▲ 0% |
EPS Growth % | 105.63% | 33.33% | 1837.5% | 20.32% | -45.84% | -89.6% | -144.86% | 2446.07% | -43.44% | -32.86% |
EPS (Basic) | 0.12 | 0.16 | 3.19 | 3.84 | 2.37 | 0.23 | -0.09 | 2.26 | 1.30 | - |
Diluted Shares Outstanding | 53.84M | 54.54M | 55.95M | 55.75M | 66.84M | 58.97M | 54.98M | 55.93M | 58.61M | 0 |
Basic Shares Outstanding | 53.28M | 53.47M | 54.33M | 54.19M | 57.05M | 53.85M | 54.98M | 54.65M | 56.48M | 0 |
Dividend Payout Ratio | 192.56% | - | 7.9% | 30.33% | 52.99% | 640.84% | - | 66.65% | 119.97% | - |
UPBD Balance Sheet
Upbound Group, Inc. (UPBD) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 211.39M | 280.22M | 205.54M | 304.9M | 241.12M | 1.43B | 1.5B | 1.52B | 1.8B | 293.79M |
Cash & Short-Term Investments | 72.97M | 155.39M | 70.49M | 159.45M | 108.33M | 144.14M | 93.7M | 60.86M | 120.53M | 98.41M |
Cash Only | 72.97M | 155.39M | 70.49M | 159.45M | 108.33M | 144.14M | 93.7M | 60.86M | 120.53M | 98.41M |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 69.82M | 69.64M | 84.12M | 90M | 126.38M | 111.86M | 111M | 156.44M | 203.19M | 195.38M |
Days Sales Outstanding | 9.43 | 9.55 | 11.5 | 11.67 | 10.06 | 9.62 | 10.15 | 13.22 | 15.8 | 15.24 |
Inventory | 868.99M | 3.83M | 4.88M | 5.44M | 6.41M | 1.13B | 1.24B | 0 | 1.32B | 0 |
Days Inventory Outstanding | 322.34 | 1.44 | 1.74 | 1.74 | 1 | 190.74 | 229.81 | - | 156.79 | 89.03 |
Other Current Assets | 0 | 796.17M | 0 | 0 | -63.47M | 46.07M | 50.26M | 1.3B | 153.01M | 0 |
Total Non-Current Assets | 1.21B | 1.12B | 1.38B | 1.45B | 2.75B | 1.33B | 1.23B | 1.13B | 1.48B | 1.16B |
Property, Plant & Equipment | 1.15B | 1.03B | 1.28B | 1.33B | 1.91B | 597.68M | 562.82M | 519.69M | 582.82M | 275.73M |
Fixed Asset Turnover | 2.35x | 2.57x | 2.08x | 2.11x | 2.41x | 7.10x | 7.09x | 8.31x | 8.06x | 5.83x |
Goodwill | 56.61M | 56.84M | 70.22M | 70.22M | 289.75M | 289.75M | 289.75M | 290.19M | 488.16M | 488.16M |
Intangible Assets | 882K | 499K | 8.76M | 7.87M | 425.16M | 359.41M | 301.4M | 255.25M | 349.59M | 334.45M |
Long-Term Investments | 0 | -2.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Assets | 882K | 2.6M | 0 | 0 | 63.47M | 0 | 0 | 10.7M | 0 | 0 |
Total Assets | 1.42B▲ 0% | 1.4B▼ 1.7% | 1.58B▲ 13.3% | 1.75B▲ 10.6% | 2.99B▲ 71.0% | 2.76B▼ 7.7% | 2.72B▼ 1.5% | 2.65B▼ 2.6% | 3.28B▲ 23.6% | 3.13B▲ 0% |
Asset Turnover | 1.90x | 1.90x | 1.69x | 1.61x | 1.53x | 1.54x | 1.47x | 1.63x | 1.43x | 1.49x |
Asset Growth % | -11.35% | -1.68% | 13.31% | 10.63% | 70.95% | -7.67% | -1.53% | -2.64% | 23.64% | 69.12% |
Total Current Liabilities | 283.58M | 329.97M | 395.64M | 449.18M | 441.27M | 589.44M | 607.43M | 521.11M | 715.13M | 399.94M |
Accounts Payable | 90.35M | 113.84M | 168.12M | 186.06M | 135.67M | 155.45M | 177.25M | 115.48M | 154.04M | 111.43M |
Days Payables Outstanding | 33.51 | 42.73 | 59.82 | 59.47 | 21.09 | 26.2 | 32.84 | 18.82 | 18.27 | 18.46 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 113.36M | 107.28M | 101.42M | 100.06M | 288.51M |
Deferred Revenue (Current) | 51.74M | 53.35M | 52.59M | 61.07M | 71.38M | 73.95M | 72.61M | 64.95M | 63.46M | 127.26M |
Other Current Liabilities | 208.49M | 54.51M | 0 | 0 | 0 | 215.76M | 195.11M | 101.37M | 248.5M | 111.43M |
Current Ratio | 0.75x | 0.85x | 0.52x | 0.68x | 0.55x | 2.43x | 2.46x | 2.91x | 2.52x | 0.73x |
Quick Ratio | -2.32x | 0.84x | 0.51x | 0.67x | 0.53x | 0.51x | 0.42x | 2.91x | 0.67x | 0.73x |
Cash Conversion Cycle | 298.26 | -31.74 | -46.59 | -46.05 | -10.03 | 174.16 | 207.12 | - | 154.32 | 85.81 |
Total Non-Current Liabilities | 864.75M | 780.43M | 728.2M | 709.72M | 2.04B | 1.65B | 1.55B | 1.5B | 1.87B | 2.01B |
Long-Term Debt | 672.89M | 540.04M | 230.91M | 190.49M | 1.57B | 1.36B | 1.31B | 1.31B | 1.57B | 0 |
Capital Lease Obligations | 51.74M | 53.35M | 285.04M | 285.35M | 296.54M | 200.94M | 186.16M | 171.56M | 186.73M | 754.82M |
Deferred Tax Liabilities | 87.08M | 119.06M | 163.98M | 176.41M | 113.94M | 87.99M | 60.84M | 18.39M | 108.59M | 396.61M |
Other Non-Current Liabilities | 53.04M | 67.98M | -4.33M | -3.6M | -14.28M | 0 | 0 | 0 | 0 | 1.89B |
Total Liabilities | 1.15B | 1.11B | 1.12B | 1.16B | 2.48B | 2.24B | 2.16B | 2.02B | 2.58B | 2.41B |
Total Debt | 672.89M | 540.04M | 515.95M | 475.84M | 1.87B | 1.67B | 1.6B | 1.58B | 1.86B | 288.51M |
Net Debt | 599.92M | 384.65M | 445.46M | 316.39M | 1.76B | 1.53B | 1.51B | 1.52B | 1.74B | 190.1M |
Debt / Equity | 2.47x | 1.88x | 1.12x | 0.80x | 3.64x | 3.19x | 2.86x | 2.52x | 2.67x | 0.40x |
Debt / EBITDA | 43.32x | 4.32x | 1.64x | 1.62x | 4.15x | 5.93x | 5.57x | 4.62x | 6.74x | 0.28x |
Net Debt / EBITDA | 38.62x | 3.08x | 1.41x | 1.08x | 3.91x | 5.42x | 5.25x | 4.44x | 6.31x | 0.19x |
Interest Coverage | -1.40x | 2.27x | 8.21x | 15.54x | 3.74x | 1.70x | 1.47x | 2.61x | 1.96x | 1.41x |
Total Equity | 272.44M▲ 0% | 286.52M▲ 5.2% | 458.96M▲ 60.2% | 592.08M▲ 29.0% | 513.28M▼ 13.3% | 525.15M▲ 2.3% | 560.37M▲ 6.7% | 628.98M▲ 12.2% | 695.74M▲ 10.6% | 715.73M▲ 0% |
Equity Growth % | 2.83% | 5.17% | 60.19% | 29% | -13.31% | 2.31% | 6.71% | 12.24% | 10.61% | 43.29% |
Book Value per Share | 5.06 | 5.25 | 8.20 | 10.62 | 7.68 | 8.91 | 10.19 | 11.25 | 11.87 | - |
Total Shareholders' Equity | 272.44M | 286.52M | 458.96M | 592.08M | 513.28M | 525.15M | 560.37M | 628.98M | 695.74M | 715.73M |
Common Stock | 1.1M | 1.1M | 1.11M | 1.1M | 1.06M | 1.08M | 1.1M | 1.11M | 1.13M | 1.13M |
Retained Earnings | 798.74M | 805.92M | 947.88M | 1.09B | 1.14B | 1.08B | 994.89M | 1.04B | 1.02B | 1.03B |
Treasury Stock | -1.35B | -1.35B | -1.35B | -1.38B | -1.77B | -1.84B | -1.89B | -1.89B | -1.89B | 0 |
Accumulated OCI | -10.99M | -11.27M | -10.67M | -11.4M | -12.37M | -10.63M | -4.36M | -11.21M | -6.97M | -7.22M |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UPBD Cash Flow Statement
Upbound Group, Inc. (UPBD) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 110.53M | 227.5M | 215.42M | 236.5M | 392.3M | 468.46M | 200.29M | 104.72M | 305.57M | 338.5M |
Operating CF Margin % | 4.09% | 8.55% | 8.07% | 8.4% | 8.56% | 11.03% | 5.02% | 2.42% | 6.51% | - |
Operating CF Growth % | -68.75% | 105.83% | -5.31% | 9.79% | 65.88% | 19.41% | -57.25% | -47.72% | 191.8% | 154.51% |
Net Income | 6.65M | 8.49M | 173.55M | 208.12M | 134.94M | 12.36M | -5.18M | 123.48M | 73.24M | 84.24M |
Depreciation & Amortization | 696.98M | 685.59M | 680.67M | 690.36M | 1.39B | 1.36B | 1.29B | 118.38M | 1.44B | 1.77B |
Stock-Based Compensation | 3.9M | 5.96M | 6.96M | 12.28M | 147.55M | 159.36M | 162.12M | 0 | 45.37M | 56.99M |
Deferred Taxes | -86.06M | 6.82M | 55.26M | -6.61M | 48.31M | -41.21M | -17.94M | -27.15M | 46.67M | 72.84M |
Other Non-Cash Items | 38.1M | 27.96M | -3.31M | 34.43M | 30.68M | 37.15M | 32.81M | 1.37B | 156.66M | -1.91B |
Working Capital Changes | -549.04M | -507.31M | -697.71M | -702.08M | -1.36B | -1.06B | -1.27B | -1.48B | -1.46B | 272.52M |
Change in Receivables | -15.74M | -14.43M | -28.86M | -20.67M | -25.52M | -10.14M | -25.01M | -62.28M | -19.45M | -16.1M |
Change in Inventory | -487.13M | -569.72M | 0 | -736.44M | 0 | -1.05B | -1.27B | -1.33B | -1.45B | 261.69M |
Change in Payables | -17.89M | 23.49M | 54.28M | 17.94M | -66.42M | 19.78M | 21.8M | -61.77M | 20.57M | -7.68M |
Cash from Investing | -63.35M | -4.69M | 20.76M | -20.61M | -1.34B | -62.33M | -50.96M | -41.51M | -403.73M | -152.31M |
Capital Expenditures | -65.46M | -27.96M | -21.16M | -34.55M | -62.45M | -61.39M | -53.4M | -56.27M | 0 | 10.58M |
CapEx % of Revenue | 2.42% | 1.05% | 0.79% | 1.23% | 1.36% | 1.45% | 1.34% | 1.3% | 1.42% | 0.22% |
Acquisitions | 2.11M | 23.27M | -28.91M | -700K | -1.27B | -995K | -39K | 17.27M | -278.94M | -4.08M |
Investments | - | - | - | - | - | - | - | - | - | - |
Other Investing | 4.64M | 25.32M | 70.83M | 14.63M | 4K | 52K | 2.48M | -2.5M | -124.79M | -158.81M |
Cash from Financing | -70.54M | -140.31M | -321.63M | -126.68M | 892.85M | -370.71M | -202.12M | -93.52M | 156.47M | -196.38M |
Debt Issued (Net) | -52.52M | -139.3M | -303.24M | -42M | 1.41B | -208.75M | -68.6M | -8.94M | 250.95M | -221.81M |
Equity Issued (Net) | 270K | 0 | -1.29M | -31.84M | -390.11M | -84.56M | -50M | 1.8M | 566K | -9K |
Dividends Paid | -12.81M | 0 | -13.71M | -63.12M | -71.5M | -79.19M | -83.06M | -82.3M | -87.86M | -89.58M |
Share Repurchases | 0 | -317K | -1.29M | -26.57M | -390.11M | -75.05M | -50M | 0 | 0 | 0 |
Other Financing | -5.48M | -1.01M | -3.39M | 10.28M | -56.47M | 1.79M | -464K | -4.08M | -7.18M | 115.02M |
Net Change in Cash | -22.43M▲ 0% | 82.42M▲ 467.5% | -84.9M▼ 203.0% | 88.95M▲ 204.8% | -51.12M▼ 157.5% | 35.81M▲ 170.1% | -50.44M▼ 240.9% | -32.84M▲ 34.9% | 59.67M▲ 281.7% | -8.91M▲ 0% |
Free Cash Flow | 45.07M▲ 0% | 199.54M▲ 342.7% | 194.26M▼ 2.6% | 201.96M▲ 4.0% | 329.85M▲ 63.3% | 407.07M▲ 23.4% | 146.89M▼ 63.9% | 48.45M▼ 67.0% | 238.71M▲ 392.7% | 349.07M▲ 0% |
FCF Margin % | 1.67% | 7.5% | 7.28% | 7.18% | 7.2% | 9.59% | 3.68% | 1.12% | 5.08% | 7.37% |
FCF Growth % | -84.6% | 342.71% | -2.65% | 3.96% | 63.33% | 23.41% | -63.92% | -67.02% | 392.73% | 76.05% |
FCF per Share | 0.84 | 3.66 | 3.47 | 3.62 | 4.93 | 6.90 | 2.67 | 0.87 | 4.07 | - |
FCF Conversion (FCF/Net Income) | 16.61x | 26.79x | 1.24x | 1.14x | 2.91x | 37.91x | -38.67x | 0.85x | 4.17x | 4.14x |
Interest Paid | 41.34M | 37.53M | 32.11M | 14.22M | 51.07M | 71.19M | 106.16M | 0 | 0 | 0 |
Taxes Paid | 1.98M | 2.23M | 24.33M | 51.57M | 19.34M | 72.31M | 89.24M | 0 | 0 | 0 |
UPBD Key Ratios
Upbound Group, Inc. (UPBD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 2.48% | 3.04% | 46.56% | 39.6% | 24.42% | 2.38% | -0.95% | 20.76% | 11.06% | 12.1% |
Return on Invested Capital (ROIC) | -5.36% | 5.46% | 24.17% | 19.64% | 13.23% | 5.15% | 5.93% | 10.37% | 7.31% | 8.74% |
Gross Margin | 63.59% | 63.45% | 61.58% | 59.42% | 48.76% | 48.98% | 50.65% | 48.15% | 34.45% | 45.2% |
Net Margin | 0.25% | 0.32% | 6.5% | 7.4% | 2.94% | 0.29% | -0.13% | 2.86% | 1.56% | 1.78% |
Debt / Equity | 2.47x | 1.88x | 1.12x | 0.80x | 3.64x | 3.19x | 2.86x | 2.52x | 2.67x | 0.40x |
Interest Coverage | -1.40x | 2.27x | 8.21x | 15.54x | 3.74x | 1.70x | 1.47x | 2.61x | 1.96x | 1.41x |
FCF Conversion | 16.61x | 26.79x | 1.24x | 1.14x | 2.91x | 37.91x | -38.67x | 0.85x | 4.17x | 4.14x |
Revenue Growth | -8.8% | -1.56% | 0.35% | 5.41% | 62.87% | -7.38% | -5.96% | 8.22% | 8.67% | 7.67% |
Related:UPBD Dividend History·UPBD Revenue History·UPBD Price History·UPBD P/E History·UPBD Financial Ratios·UPBD Institutional Holders
UPBD SEC Filings & Documents
Upbound Group, Inc. (UPBD) SEC filings — annual & quarterly reports (10-K, 10-Q)
UPBD Frequently Asked Questions
Upbound Group, Inc. (UPBD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Upbound Group, Inc. (UPBD) reported $4.74B in revenue for fiscal year 2025. This represents a 1891% increase from $238.0M in 1996.
Upbound Group, Inc. (UPBD) grew revenue by 8.7% over the past year. This is steady growth.
Yes, Upbound Group, Inc. (UPBD) is profitable, generating $84.2M in net income for fiscal year 2025 (1.6% net margin).
Dividend & Returns
Yes, Upbound Group, Inc. (UPBD) pays a dividend with a yield of 8.18%. This makes it attractive for income-focused investors.
Upbound Group, Inc. (UPBD) has a return on equity (ROE) of 11.1%. This is reasonable for most industries.
Upbound Group, Inc. (UPBD) generated $349.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.