30 years of historical data (1995–2024) · Technology · Software - Application
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Upbound Group, Inc. trades at 9.7x earnings, 75% below its 5-year average of 38.7x, sitting at the 11th percentile of its historical range. Compared to the Technology sector median P/E of 25.2x, the stock trades at a discount of 62%. On a free-cash-flow basis, the stock trades at 25.6x P/FCF, 83% above the 5-year average of 14.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.2B | $1.6B | $1.9B | $1.3B | $3.2B | $2.1B | $1.6B | $883M | $598M | $598M | $794M |
| Enterprise Value | $2.8B | $3.2B | $3.4B | $2.9B | $5.0B | $2.5B | $2.1B | $1.3B | $1.2B | $1.2B | $1.7B |
| P/E Ratio → | 9.71 | 13.20 | — | 107.38 | 23.78 | 10.27 | 9.30 | 101.19 | 92.50 | — | — |
| P/S Ratio | 0.29 | 0.38 | 0.47 | 0.31 | 0.70 | 0.76 | 0.60 | 0.33 | 0.22 | 0.20 | 0.24 |
| P/B Ratio | 1.91 | 2.59 | 3.33 | 2.53 | 6.26 | 3.61 | 3.52 | 3.08 | 2.19 | 2.26 | 1.69 |
| P/FCF | 25.64 | 33.68 | 12.71 | 3.27 | 9.73 | 10.57 | 8.31 | 4.43 | 13.26 | 2.04 | 5.31 |
| P/OCF | 11.86 | 15.58 | 9.32 | 2.84 | 8.18 | 9.03 | 7.49 | 3.88 | 5.41 | 1.69 | 3.45 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Upbound Group, Inc.'s enterprise value stands at 8.1x EBITDA, 20% below its 5-year average of 10.1x. The Technology sector median is 15.7x, placing the stock at a 49% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.73 | 0.85 | 0.67 | 1.08 | 0.87 | 0.77 | 0.48 | 0.44 | 0.41 | 0.52 |
| EV / EBITDA | 8.07 | 9.21 | 11.75 | 10.13 | 11.04 | 8.34 | 6.53 | 10.13 | 77.09 | 94.77 | — |
| EV / EBIT | 9.48 | 10.94 | 20.29 | 19.17 | 18.74 | 10.29 | 8.08 | 12.97 | — | — | — |
| EV / FCF | — | 65.09 | 22.97 | 7.03 | 15.07 | 12.14 | 10.60 | 6.35 | 26.57 | 4.19 | 11.38 |
Margins and return-on-capital ratios measuring operating efficiency
Upbound Group, Inc. earns an operating margin of 6.7%. Operating margins have expanded from 3.5% to 6.7% over the past 3 years, signaling improving operational efficiency. ROE of 20.8% indicates solid capital efficiency. ROIC of 10.4% represents solid returns on invested capital.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.1% | 48.1% | 50.7% | 49.0% | 48.8% | 59.4% | 61.6% | 63.5% | 63.6% | 65.3% | 64.6% |
| Operating Margin | 6.7% | 6.7% | 4.1% | 3.5% | 6.1% | 8.4% | 9.5% | 2.1% | -2.3% | -2.2% | -30.7% |
| Net Profit Margin | 2.9% | 2.9% | -0.1% | 0.3% | 2.9% | 7.4% | 6.5% | 0.3% | 0.2% | -3.8% | -26.4% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.8% | 20.8% | -1.0% | 2.4% | 24.4% | 39.6% | 46.6% | 3.0% | 2.5% | -30.8% | -93.2% |
| ROA | 4.6% | 4.6% | -0.2% | 0.4% | 5.7% | 12.5% | 11.6% | 0.6% | 0.4% | -6.3% | -32.9% |
| ROIC | 10.4% | 10.4% | 5.9% | 5.1% | 13.2% | 19.6% | 24.2% | 5.5% | -5.4% | -4.4% | -40.2% |
| ROCE | 13.7% | 13.7% | 7.6% | 6.3% | 14.6% | 19.1% | 22.5% | 5.1% | -5.2% | -4.5% | -43.9% |
Solvency and debt-coverage ratios — lower is generally safer
Upbound Group, Inc. carries a Debt/EBITDA ratio of 4.6x, which is highly leveraged (56% above the sector average of 3.0x). Net debt stands at $1.5B ($1.6B total debt minus $61M cash). Interest coverage of just 2.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.52 | 2.52 | 2.86 | 3.19 | 3.64 | 0.80 | 1.12 | 1.88 | 2.47 | 2.73 | 2.06 |
| Debt / EBITDA | 4.62 | 4.62 | 5.57 | 5.93 | 4.15 | 1.62 | 1.64 | 4.32 | 43.32 | 55.96 | — |
| Net Debt / Equity | — | 2.42 | 2.69 | 2.91 | 3.43 | 0.53 | 0.97 | 1.34 | 2.20 | 2.37 | 1.93 |
| Net Debt / EBITDA | 4.44 | 4.44 | 5.25 | 5.42 | 3.91 | 1.08 | 1.41 | 3.08 | 38.62 | 48.59 | — |
| Debt / FCF | — | 31.41 | 10.26 | 3.76 | 5.33 | 1.57 | 2.29 | 1.93 | 13.31 | 2.15 | 6.07 |
| Interest Coverage | 2.64 | 2.64 | 1.44 | 1.69 | 3.96 | 15.49 | 8.18 | 1.31 | -1.37 | -1.41 | -20.43 |
Short-term solvency ratios and asset-utilisation metrics
Upbound Group, Inc.'s current ratio of 2.91x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 2.43x to 2.91x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.91 | 2.91 | 2.46 | 2.43 | 0.55 | 0.68 | 0.52 | 0.85 | 0.75 | 0.69 | 0.99 |
| Quick Ratio | 2.91 | 2.91 | 0.42 | 0.51 | 0.53 | 0.67 | 0.51 | 0.84 | -2.32 | 0.68 | 0.98 |
| Cash Ratio | 0.12 | 0.12 | 0.15 | 0.24 | 0.25 | 0.35 | 0.18 | 0.47 | 0.26 | 0.29 | 0.20 |
| Asset Turnover | — | 1.63 | 1.47 | 1.54 | 1.53 | 1.61 | 1.69 | 1.90 | 1.90 | 1.85 | 1.65 |
| Inventory Turnover | 1.59 | — | 1.59 | 1.91 | 366.66 | 209.97 | 210.29 | 253.60 | 1.13 | 283.33 | 248.57 |
| Days Sales Outstanding | — | 13.22 | 10.15 | 9.62 | 10.06 | 11.67 | 11.50 | 9.55 | 9.43 | 8.60 | 7.72 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Upbound Group, Inc. returns 6.9% to shareholders annually primarily through dividends. A payout ratio of 66.7% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 10.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.9% | 5.0% | 4.4% | 6.0% | 2.2% | 3.0% | 0.8% | — | 2.1% | 4.3% | 6.4% |
| Payout Ratio | 66.7% | 66.7% | — | 640.8% | 53.0% | 30.3% | 7.9% | — | 192.6% | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.3% | 7.6% | — | 0.9% | 4.2% | 9.7% | 10.7% | 1.0% | 1.1% | — | — |
| FCF Yield | 3.9% | 3.0% | 7.9% | 30.6% | 10.3% | 9.5% | 12.0% | 22.6% | 7.5% | 49.0% | 18.8% |
| Buyback Yield | 0.0% | 0.0% | 2.7% | 5.6% | 12.1% | 1.2% | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% |
| Total Shareholder Yield | 6.9% | 5.0% | 7.1% | 11.6% | 14.4% | 4.2% | 0.9% | 0.0% | 2.1% | 4.3% | 6.5% |
| Shares Outstanding | — | $56M | $55M | $59M | $67M | $56M | $56M | $55M | $54M | $53M | $53M |
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 | 9.7 | 8.1 | 25.6 | 48.1% | 6.7% | 20.8% | 10.4% | 4.6 |
| INTU | $114B | 29.9 | 20.6 | 18.8 | 80.8% | 26.1% | 20.3% | 16.5% | 1.2 |
| FICO | $33B | 53.1 | 38.8 | 43.5 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| SSNC | $18B | 23.9 | 12.6 | 11.0 | 48.2% | 22.9% | 11.8% | 10.8% | 0.2 |
| GWRE | $12B | 179.4 | 189.7 | 41.6 | 62.5% | 3.4% | 5.0% | 2.3% | 11.0 |
| FRGE | $8B | -8.3 | — | — | -43.3% | -103.7% | -26.8% | -45.6% | — |
| QTWO | $3B | 60.1 | 74.9 | 15.5 | 54.1% | 5.0% | 8.8% | 4.5% | 8.7 |
| SPNS | $2B | 33.7 | 22.1 | 33.6 | 45.0% | 16.8% | 15.5% | 17.4% | 0.6 |
| BL | $2B | 24.3 | 32.6 | 11.7 | 75.2% | 2.8% | 41.6% | 1.4% | 13.3 |
| NCNO | $2B | -48.9 | 111.3 | 35.8 | 60.1% | -3.4% | -3.5% | -1.2% | 13.0 |
| ALKT | $2B | -36.0 | — | 42.4 | 57.8% | -12.1% | -13.3% | -8.6% | — |
| Technology Median | — | 25.2 | 15.7 | 17.3 | 49.8% | -0.9% | 1.1% | 2.9% | 3.0 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonUpbound Group, Inc.'s current P/E ratio is 9.7x. The historical average is 27.6x. This places it at the 11th percentile of its historical range.
Upbound Group, Inc.'s current EV/EBITDA is 8.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.3x.
Upbound Group, Inc.'s return on equity (ROE) is 20.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 10.4%.
Based on historical data, Upbound Group, Inc. is trading at a P/E of 9.7x. This is at the 11th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Upbound Group, Inc.'s current dividend yield is 6.86% with a payout ratio of 66.7%.
Upbound Group, Inc. has 48.1% gross margin and 6.7% operating margin.
Upbound Group, Inc.'s Debt/EBITDA ratio is 4.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.