Upbound Group, Inc. (UPBD) Financial Ratios
30 years of historical data (1996–2025) · Technology · Software - Application
EV/EBITDA
↓
10.17
-2% vs avg
5yr avg: 10.43
30Y Low1.4·High94.8
P/FCF
↓
4.46
↓-65% vs avg
5yr avg: 12.74
30Y Low2.0·High70.8
P/B Ratio
↓
1.54
↓-52% vs avg
5yr avg: 3.24
30Y Low0.9·High8.4
ROE
↓
11.1%
-4% vs avg
5yr avg: 11.5%
30Y Low-93%·High47%
Debt/EBITDA
↑
6.74
↑+25% vs avg
5yr avg: 5.40
30Y Low0.2·High43.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UPBD Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Upbound Group, Inc. trades at 14.7x earnings, 63% below its 5-year average of 39.6x, sitting at the 63rd percentile of its historical range. Compared to the Technology sector median P/E of 28.3x, the stock trades at a discount of 48%. On a free-cash-flow basis, the stock trades at 4.5x P/FCF, 65% below the 5-year average of 12.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.1B | $1.0B | $1.6B | $1.9B | $1.3B | $3.2B | $2.1B | $1.6B | $883M | $598M | $598M |
| Enterprise Value | $2.8B | $2.8B | $3.2B | $3.4B | $2.9B | $5.0B | $2.5B | $2.1B | $1.3B | $1.2B | $1.2B |
| P/E Ratio → | 14.66 | 14.05 | 13.20 | — | 107.38 | 23.78 | 10.27 | 9.30 | 101.19 | 92.50 | — |
| P/S Ratio | 0.23 | 0.22 | 0.38 | 0.47 | 0.31 | 0.70 | 0.76 | 0.60 | 0.33 | 0.22 | 0.20 |
| P/B Ratio | 1.54 | 1.48 | 2.59 | 3.33 | 2.53 | 6.26 | 3.61 | 3.52 | 3.08 | 2.19 | 2.26 |
| P/FCF | 4.46 | 4.31 | 33.68 | 12.71 | 3.27 | 9.73 | 10.57 | 8.31 | 4.43 | 13.26 | 2.04 |
| P/OCF | 3.48 | 3.37 | 15.58 | 9.32 | 2.84 | 8.18 | 9.03 | 7.49 | 3.88 | 5.41 | 1.69 |
P/E links to full P/E history page with 30-year chart
UPBD EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Upbound Group, Inc.'s enterprise value stands at 10.2x EBITDA, roughly in line with its 5-year average of 10.4x. The Technology sector median is 16.6x, placing the stock at a 39% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.59 | 0.73 | 0.85 | 0.67 | 1.08 | 0.87 | 0.77 | 0.48 | 0.44 | 0.41 |
| EV / EBITDA | 10.17 | 10.04 | 9.21 | 11.75 | 10.13 | 11.04 | 8.34 | 6.53 | 10.13 | 77.09 | 94.77 |
| EV / EBIT | 12.54 | 12.51 | 10.94 | 20.29 | 19.17 | 18.74 | 10.29 | 8.08 | 12.97 | — | — |
| EV / FCF | — | 11.58 | 65.09 | 22.97 | 7.03 | 15.07 | 12.14 | 10.60 | 6.35 | 26.57 | 4.19 |
UPBD Profitability
Margins and return-on-capital ratios measuring operating efficiency
Upbound Group, Inc. earns an operating margin of 4.8%. ROE of 11.1% is modest. ROIC of 7.3% represents adequate returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 34.4% | 34.4% | 48.1% | 50.7% | 49.0% | 48.8% | 59.4% | 61.6% | 63.5% | 63.6% | 65.3% |
| Operating Margin | 4.8% | 4.8% | 6.7% | 4.1% | 3.5% | 6.1% | 8.4% | 9.5% | 2.1% | -2.3% | -2.2% |
| Net Profit Margin | 1.6% | 1.6% | 2.9% | -0.1% | 0.3% | 2.9% | 7.4% | 6.5% | 0.3% | 0.2% | -3.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.1% | 11.1% | 20.8% | -1.0% | 2.4% | 24.4% | 39.6% | 46.6% | 3.0% | 2.5% | -30.8% |
| ROA | 2.5% | 2.5% | 4.6% | -0.2% | 0.4% | 5.7% | 12.5% | 11.6% | 0.6% | 0.4% | -6.3% |
| ROIC | 7.3% | 7.3% | 10.4% | 5.9% | 5.1% | 13.2% | 19.6% | 24.2% | 5.5% | -5.4% | -4.4% |
| ROCE | 9.5% | 9.5% | 13.7% | 7.6% | 6.3% | 14.6% | 19.1% | 22.5% | 5.1% | -5.2% | -4.5% |
UPBD Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Upbound Group, Inc. carries a Debt/EBITDA ratio of 6.7x, which is highly leveraged (129% above the sector average of 2.9x). Net debt stands at $1.7B ($1.9B total debt minus $121M cash). Interest coverage of just 2.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.67 | 2.67 | 2.52 | 2.86 | 3.19 | 3.64 | 0.80 | 1.12 | 1.88 | 2.47 | 2.73 |
| Debt / EBITDA | 6.74 | 6.74 | 4.62 | 5.57 | 5.93 | 4.15 | 1.62 | 1.64 | 4.32 | 43.32 | 55.96 |
| Net Debt / Equity | — | 2.50 | 2.42 | 2.69 | 2.91 | 3.43 | 0.53 | 0.97 | 1.34 | 2.20 | 2.37 |
| Net Debt / EBITDA | 6.31 | 6.31 | 4.44 | 5.25 | 5.42 | 3.91 | 1.08 | 1.41 | 3.08 | 38.62 | 48.59 |
| Debt / FCF | — | 7.27 | 31.41 | 10.26 | 3.76 | 5.33 | 1.57 | 2.29 | 1.93 | 13.31 | 2.15 |
| Interest Coverage | 1.96 | 1.96 | 2.61 | 1.47 | 1.70 | 3.74 | 15.54 | 8.21 | 2.27 | -1.40 | -1.40 |
UPBD Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Upbound Group, Inc.'s current ratio of 2.52x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The quick ratio of 0.67x is notably lower than the current ratio, indicating a significant portion of current assets is tied up in inventory. The current ratio has improved from 2.46x to 2.52x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.52 | 2.52 | 2.91 | 2.46 | 2.43 | 0.55 | 0.68 | 0.52 | 0.85 | 0.75 | 0.69 |
| Quick Ratio | 0.67 | 0.67 | 2.91 | 0.42 | 0.51 | 0.53 | 0.67 | 0.51 | 0.84 | -2.32 | 0.68 |
| Cash Ratio | 0.17 | 0.17 | 0.12 | 0.15 | 0.24 | 0.25 | 0.35 | 0.18 | 0.47 | 0.26 | 0.29 |
| Asset Turnover | — | 1.43 | 1.63 | 1.47 | 1.54 | 1.53 | 1.61 | 1.69 | 1.90 | 1.90 | 1.85 |
| Inventory Turnover | 2.33 | 2.33 | — | 1.59 | 1.91 | 366.66 | 209.97 | 210.29 | 253.60 | 1.13 | 283.33 |
| Days Sales Outstanding | — | 15.80 | 13.22 | 10.15 | 9.62 | 10.06 | 11.67 | 11.50 | 9.55 | 9.43 | 8.60 |
UPBD Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Upbound Group, Inc. returns 8.2% to shareholders annually primarily through dividends. The payout ratio exceeds 100% at 120.0%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 6.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 8.2% | 8.5% | 5.0% | 4.4% | 6.0% | 2.2% | 3.0% | 0.8% | — | 2.1% | 4.3% |
| Payout Ratio | 120.0% | 120.0% | 66.7% | — | 640.8% | 53.0% | 30.3% | 7.9% | — | 192.6% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.8% | 7.1% | 7.6% | — | 0.9% | 4.2% | 9.7% | 10.7% | 1.0% | 1.1% | — |
| FCF Yield | 22.4% | 23.2% | 3.0% | 7.9% | 30.6% | 10.3% | 9.5% | 12.0% | 22.6% | 7.5% | 49.0% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 2.7% | 5.6% | 12.1% | 1.2% | 0.1% | 0.0% | 0.0% | 0.1% |
| Total Shareholder Yield | 8.2% | 8.5% | 5.0% | 7.1% | 11.6% | 14.4% | 4.2% | 0.9% | 0.0% | 2.1% | 4.3% |
| Shares Outstanding | — | $59M | $56M | $55M | $59M | $67M | $56M | $56M | $55M | $54M | $53M |
Peer Comparison
Compare UPBD with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UPBDYou | $1B | 14.7 | 10.2 | 4.5 | 34.4% | 4.8% | 11.1% | 7.3% | 6.7 |
 PRAA | $605M | -2.0 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 WRLD | $916M | 11.1 | 8.5 | 3.7 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 FCFS | $10B | 30.8 | 12.9 | 21.5 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 RM | $351M | 8.4 | 21.6 | 1.2 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 WHR | $2B | 6.5 | 9.0 | 25.8 | 15.2% | 4.7% | 11.2% | 5.8% | 7.4 |
 AAPL | $4.4T | 39.8 | 30.7 | 44.1 | 46.9% | 32.0% | 171.4% | 67.4% | 0.8 |
 DELL | $278B | 48.3 | 26.0 | 32.5 | 20.0% | 7.4% | — | 34.2% | 2.7 |
 BBY | $16B | 15.1 | 8.3 | 12.7 | 22.5% | 3.3% | 37.0% | 19.6% | 1.9 |
 ALLY | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 AFRM | $24B | 481.3 | 221.7 | 40.0 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
| Technology Median | — | 28.3 | 16.6 | 18.8 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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UPBD — Frequently Asked Questions
Quick answers to the most common questions about buying UPBD stock.
What is Upbound Group, Inc.'s P/E ratio?
Upbound Group, Inc.'s current P/E ratio is 14.7x. The historical average is 25.7x. This places it at the 63th percentile of its historical range.
What is Upbound Group, Inc.'s EV/EBITDA?
Upbound Group, Inc.'s current EV/EBITDA is 10.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.5x.
What is Upbound Group, Inc.'s ROE?
Upbound Group, Inc.'s return on equity (ROE) is 11.1%. The historical average is 10.1%.
Is UPBD stock overvalued?
Based on historical data, Upbound Group, Inc. is trading at a P/E of 14.7x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Upbound Group, Inc.'s dividend yield?
Upbound Group, Inc.'s current dividend yield is 8.18% with a payout ratio of 120.0%.
What are Upbound Group, Inc.'s profit margins?
Upbound Group, Inc. has 34.4% gross margin and 4.8% operating margin.
How much debt does Upbound Group, Inc. have?
Upbound Group, Inc.'s Debt/EBITDA ratio is 6.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.