Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.79 | 6.77 | 14.34 | 7.40 | 12.91 | 26.85 | 24.13 | 14.26 | 13.26 | 14.54 | 12.58 | 17.61 | — | 95.99 | — | 7.29 | 120.20 | — | 14.73 | — | 80.07 |
| — | -74.8% | -40.6% | -48.1% | -2.6% | +84.7% | +91.8% | -19.0% | — | -84.9% | — | +141.3% | — | — | — | — | +50.1% | — | -0.0% | — | +736.4% | |
| P/S Ratio | 0.30 | 0.20 | 0.27 | 0.22 | 0.21 | 0.30 | 0.32 | 0.30 | 0.38 | 0.42 | 0.40 | 0.45 | 0.45 | 0.43 | 0.44 | 0.34 | 0.32 | 0.24 | 0.27 | 0.29 | 0.67 |
| — | -32.6% | -16.1% | -27.1% | -43.1% | -28.5% | -20.1% | -33.7% | -16.8% | -2.3% | -9.3% | +31.7% | +41.1% | +80.6% | +62.1% | +16.6% | -51.8% | -70.8% | -64.1% | -68.3% | -11.0% | |
| P/B Ratio | 2.04 | 1.23 | 1.69 | 1.48 | 1.48 | 2.02 | 2.15 | 2.06 | 2.59 | 2.92 | 2.87 | 3.40 | 3.29 | 2.80 | 2.75 | 2.06 | 2.42 | 1.77 | 2.08 | 2.59 | 6.08 |
| — | -39.3% | -21.1% | -28.3% | -43.0% | -30.7% | -25.3% | -39.4% | -21.4% | +4.2% | +4.6% | +64.7% | +35.9% | +58.5% | +32.4% | -20.3% | -60.1% | -60.6% | -52.4% | -49.7% | +67.9% | |
| P/FCF | 2.94 | 1.19 | 2.88 | 1.71 | 10.69 | 5.01 | 46.96 | 2.54 | — | 5.06 | 699.16 | 14.62 | — | 6.62 | 17.42 | 3.61 | 7.17 | 2.28 | 4.31 | 1.79 | 15.76 |
| — | -76.4% | -93.9% | -32.9% | — | -0.9% | -93.3% | -82.6% | — | -23.6% | +3914.1% | +305.4% | — | +190.7% | +304.2% | +101.3% | -54.5% | -86.9% | -51.8% | -76.7% | — | |
| EV / EBITDA | 2.23 | 7.11 | 1.67 | 1.47 | 1.56 | 1.79 | 1.88 | 1.79 | 1.79 | 1.88 | 1.86 | 9.41 | 9.60 | 2.04 | 1.99 | — | 9.54 | 9.12 | 7.64 | 14.32 | 2.90 |
| — | +297.4% | -11.0% | -17.9% | -12.9% | -4.9% | +1.0% | -80.9% | -81.3% | -7.6% | -6.7% | — | +0.5% | -77.7% | -73.9% | — | +228.8% | +210.5% | +181.1% | +261.4% | +8.6% | |
| EV / EBIT | 14.10 | 8.46 | 12.98 | 8.59 | 11.94 | 16.06 | 15.64 | 12.24 | 9.87 | 11.32 | 10.80 | 13.82 | 14.80 | 13.10 | 9.32 | — | 16.73 | 16.65 | 11.71 | 66.74 | 33.07 |
| — | -47.3% | -17.0% | -29.8% | +21.0% | +41.8% | +44.8% | -11.4% | -33.3% | -13.5% | +15.9% | — | -11.5% | -21.3% | -20.5% | — | -49.4% | -23.6% | -0.8% | +207.3% | +194.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.4% | 50.6% | 51.1% | 48.1% | 49.0% | 48.3% | 49.4% | 46.8% | 47.1% | 47.8% | 49.4% | 48.3% | 50.3% | 50.8% | 51.7% | 49.8% | 50.0% | 49.4% | 49.7% | 47.1% | 48.5% |
| — | +4.7% | +3.5% | +2.8% | +4.1% | +1.1% | -0.0% | -3.1% | -6.5% | -5.8% | -4.4% | -3.1% | +0.7% | +2.9% | +4.0% | +5.8% | +3.1% | +2.5% | +1.0% | -4.4% | -18.7% | |
| Operating Margin | 4.8% | 6.2% | 4.7% | 6.3% | 4.8% | 4.5% | 4.4% | 5.3% | 7.3% | 6.6% | 7.5% | 5.6% | 5.5% | 5.9% | 8.6% | -3.5% | 4.3% | 3.6% | 5.4% | 1.0% | 3.1% |
| — | +37.1% | +6.4% | +19.3% | -34.8% | -30.9% | -41.5% | -5.5% | +33.6% | +10.5% | -12.7% | +263.1% | +28.4% | +63.7% | +58.3% | -462.9% | +36.0% | -36.3% | -39.2% | -85.9% | -58.8% | |
| Net Margin | 1.6% | 3.0% | 1.9% | 2.9% | 1.7% | 1.1% | 1.3% | 2.1% | 2.9% | 2.9% | 3.2% | 2.5% | -1.1% | 0.4% | -4.7% | 4.7% | 0.3% | -0.6% | 1.8% | -0.4% | 0.8% |
| — | +163.4% | +38.7% | +39.2% | -42.5% | -60.7% | -57.6% | -16.6% | +359.7% | +547.9% | +167.7% | -45.8% | -513.7% | +179.0% | -353.0% | +1375.2% | -68.1% | -131.3% | -64.1% | -108.9% | -89.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.1% | 4.6% | 3.0% | 5.1% | 2.9% | 1.9% | 2.3% | 3.8% | 5.0% | 5.1% | 5.8% | 4.9% | -1.9% | 0.7% | -7.0% | 7.9% | 0.5% | -1.0% | 3.6% | -0.8% | 1.4% |
| — | +139.9% | +31.3% | +33.8% | -42.8% | -62.3% | -60.7% | -22.1% | +356.8% | +615.9% | +182.1% | -38.6% | -494.2% | +168.4% | -293.1% | +1068.3% | -65.6% | -141.2% | -53.4% | -112.8% | -85.5% | |
| ROA | 2.5% | 1.1% | 0.7% | 1.1% | 0.6% | 0.4% | 0.5% | 0.9% | 1.2% | 1.2% | 1.3% | 1.0% | -0.4% | 0.2% | -1.7% | 1.7% | 0.1% | -0.2% | 0.7% | -0.1% | 0.3% |
| — | +165.6% | +37.3% | +28.3% | -48.7% | -64.7% | -61.0% | -15.9% | +381.6% | +609.2% | +175.6% | -39.8% | -539.8% | +180.2% | -340.7% | +1270.6% | -70.5% | -129.9% | -64.9% | -108.2% | -90.1% | |
| ROIC | 7.3% | 2.3% | 1.7% | 2.4% | 1.8% | 1.6% | 1.6% | 2.1% | 2.8% | 2.5% | 2.9% | 2.2% | 2.0% | 2.1% | 3.0% | -1.3% | 1.5% | 1.3% | 2.0% | 0.4% | 1.2% |
| — | +42.2% | +9.8% | +17.3% | -37.4% | -35.4% | -45.3% | -7.4% | +38.5% | +19.3% | -3.5% | +278.0% | +32.7% | +59.6% | +46.3% | -434.3% | +27.0% | -40.2% | -42.2% | -88.7% | -74.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.67 | 2.17 | 2.33 | 2.41 | 2.67 | 2.67 | 2.70 | 2.66 | 2.52 | 2.47 | 2.68 | 2.73 | 2.86 | 2.58 | 2.46 | 2.44 | 3.19 | 3.06 | 3.00 | 3.25 | 3.64 |
| — | -18.5% | -13.6% | -9.3% | +6.1% | +7.8% | +0.5% | -2.4% | -11.9% | -4.0% | +9.2% | +12.0% | -10.4% | -15.9% | -18.1% | -25.1% | -12.4% | +65.4% | +57.1% | +47.9% | +352.8% | |
| Debt / EBITDA | 1.07 | 19.10 | 4.02 | 3.79 | 4.19 | 4.21 | 4.32 | 4.19 | 3.60 | 3.54 | 3.68 | 17.17 | 18.32 | 4.03 | 3.87 | — | 22.80 | 24.66 | 18.80 | 32.94 | 4.44 |
| — | +354.0% | -7.0% | -9.5% | +16.5% | +18.7% | +17.4% | -75.6% | -80.4% | -12.2% | -4.8% | — | -19.7% | -83.6% | -79.4% | — | +413.3% | +597.6% | +451.9% | +578.7% | +115.1% | |
| Current Ratio | 2.52 | 0.85 | 0.87 | 0.79 | 2.52 | 0.89 | 3.01 | 3.02 | 2.91 | 3.51 | 3.79 | 3.34 | 2.46 | 2.95 | 2.79 | 2.69 | 2.43 | 2.99 | 2.86 | 2.61 | 0.55 |
| — | -3.7% | -71.0% | -74.0% | -13.5% | -74.8% | -20.6% | -9.7% | +18.1% | +18.7% | +35.8% | +24.3% | +1.2% | -1.4% | -2.3% | +3.0% | +345.2% | +1.9% | +10.2% | +10.8% | -19.5% | |
| Quick Ratio | 0.67 | 0.84 | 0.87 | 0.78 | 0.67 | 0.88 | 0.72 | 0.68 | 0.50 | 0.69 | 0.65 | 0.55 | 0.42 | 0.58 | 0.49 | 0.61 | 0.51 | 0.73 | 0.59 | 0.49 | 0.53 |
| — | -3.7% | +20.3% | +14.1% | +33.2% | +26.7% | +10.0% | +23.5% | +19.2% | +19.8% | +34.4% | -10.2% | -18.1% | -21.4% | -17.9% | +25.8% | -3.6% | +18.0% | +14.1% | +13.9% | -20.2% | |
| Interest Coverage | 1.96 | 2.86 | 2.15 | 2.91 | 2.07 | 1.69 | 1.80 | 2.28 | 3.14 | 2.65 | 2.64 | 2.09 | 1.94 | 2.13 | 3.01 | -1.23 | 1.57 | 1.62 | 3.05 | 0.58 | 1.97 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UPBD stock.
Upbound Group, Inc.'s current P/E is 12.8x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Upbound Group, Inc.'s current operating margin is 4.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Upbound Group, Inc.'s business trajectory between earnings reports.