Upbound Group, Inc.(UPBD)Earnings, Financials & Key Ratios

UPBD•NASDAQ

$19.01

$1.1B mkt cap·15.2× P/E·Price updated May 6, 2026

SectorTechnology IndustryApplication Software Sub-IndustryFinancial services and insurance software

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%
ROIC7.31%-29.5%
Debt/Equity2.67+6.1%
Interest Coverage1.96-24.9%

Technical→

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.

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

Full history →

●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)

Q2 2026Latest

Apr 30, 2026

EPS

$1.08

Est $1.06

+1.9%

Revenue

$1.2B

Est $1.2B

-0.5%

Q1 2026

Feb 19, 2026

EPS

$1.01

Est $0.97

+4.1%

Revenue

$1.2B

Est $1.2B

+2.1%

Q4 2025

Oct 30, 2025

EPS

$1.00

Est $0.98

+2.0%

Revenue

$1.2B

Est $1.2B

-0.9%

Q3 2025

Jul 31, 2025

EPS

$1.12

Est $1.05

+6.7%

Revenue

$1.2B

Est $1.1B

+1.0%

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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
PRAAPRA Group, Inc.Direct Competitor	818.67M	21.29	-2.73	10.36%		-25.96%	0.03
WRLDWorld Acceptance CorporationProduct Competitor	751.13M	149.09	9.15	-1.46%		10.79%	1.20
FCFSFirstCash Holdings, IncProduct Competitor	9.99B	226.38	30.51	8.04%		15.91%	1.24
RMRegional Management Corp.Product Competitor	328.61M	34.97	7.86	9.7%		13.16%	4.65
WHRWhirlpool CorporationSupply Chain	3.53B	54.75	9.67	-6.52%	2.05%	11.81%	2.89
AAPLApple Inc.Supply Chain	4.22T	287.46	38.53	6.43%	27.15%	146.69%	1.52
DELLDell Technologies Inc.Supply Chain	79.71B	238.72		18.8%	5.23%
BBYBest Buy Co., Inc.Supply Chain	12.32B	58.69	11.64	0.39%	2.56%	36.79%	1.18

Compare UPBD vs Peers

Upbound Group, Inc. (UPBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRAA

Most directly comparable listed peer for UPBD.

Scale Benchmark

vs AAPL

Larger-name benchmark to compare UPBD against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRAA, WRLD, FCFS, RM

UPBD Income Statement

Upbound Group, Inc. (UPBD) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	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

Line item	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	2.52x
Quick Ratio	-2.32x	0.84x	0.51x	0.67x	0.53x	0.51x	0.42x	2.91x	0.67x	0.67x
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	2.67x
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	6.31x
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	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

Line item	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	305.57M
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%	-
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	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%	7.31%
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	2.67x
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%

UPBD SEC Filings & Documents

Upbound Group, Inc. (UPBD) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 30, 2026·SEC

Material company update

Feb 19, 2026·SEC

Material company update

Nov 21, 2025·SEC

10-K Annual Reports

FY 2026

Feb 23, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 31, 2025·SEC

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 7.89%. 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.

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