Upbound Group, Inc. UPBD R2K

Technology · Software - Application · United States

https://www.upbound.com

Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.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 incorporated in 1986 and is based in Plano, Texas.

Market & Price

Market Cap

$1.12B

Current Price

$19.21

High / Low (52W)

$25.76 / $15.41

Beta

1.83

Valuation

Stock P/E

13.34

Industry PE

32.74

Forward P/E

4.04

PEG Ratio

1.39

Book Value

$12.01

Price to Book

1.60

P/S

0.24

EV/EBITDA

5.48

Dividend Yield

8.13%

Profitability & Returns

ROCE

7.90%

ROE

12.08%

ROA

7.36%

Profit Margin

1.78%

Op Margin

7.39%

EPS (Latest Qtr)

$0.61

EPS (TTM)

$1.44

Balance Sheet & Liquidity

Debt/Equity

2.41

Quick Ratio

0.41

Current Ratio

2.96

Debt

$1.73B

Total Assets

$3.28B

Current Assets

$481.94M

Working Capital

$4.27M

Ownership

Promoter Holding

7.72%

Chg in Prom Hold

FII / Inst Holding

98.06%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$2.75B

Total Revenue (TTM)

$4.74B

EBITDA

$501.68M

Free Cash Flow

$1.56B

Operating Cash Flow

$328.24M

Shares Outstanding

58.29M

Gross Margin

48.71%

Payout Ratio

108.33%

Growth (CAGR)

Revenue 5Y

3.41%

Profit 5Y

80.97%

Revenue (YoY)

3.70%

Earnings (YoY)

45.20%

PROS

Profit CAGR of 81.0% over 5 years.
Attractive dividend yield of 8.13%.
Generates positive free cash flow.

CONS

Trading 25.4% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Technology).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UPBD Upbound Group, Inc. R2K	19.21	13.34	$1.12B	8.13%	7.90%	12.08%	3.41%	80.97%
2	NVDA NVIDIA Corporation NDXSPXAI	211.14	32.38	$5.11T	0.47%	81.14%	114.29%	100.05%	201.80%
3	AAPL Apple Inc. NDXSPX	312.06	37.73	$4.58T	0.35%	68.72%	141.47%	1.81%	3.92%
4	MSFT Microsoft Corporation NDXSPXAI	450.24	26.82	$3.34T	0.81%	26.37%	34.01%	12.42%	11.87%
5	TSM Taiwan Semiconductor Manufacturing Company Limited AI	418.45	35.86	$2.17T	0.91%	32.04%	36.21%	18.94%	19.57%
6	MU Micron Technology, Inc. NDXSPXAI	971.00	45.87	$1.10T	0.06%	14.20%	39.82%	6.71%	-0.57%
7	AMD Advanced Micro Devices, Inc. NDXSPXAI	516.10	172.61	$841.55B	-	6.33%	8.06%	13.64%	48.64%
8	ORCL Oracle Corporation SPXAI	225.78	40.46	$649.35B	0.89%	13.07%	57.57%	10.59%	22.81%
9	ASML ASML Holding N.V. NDXAI	1,612.76	53.76	$621.59B	0.54%	43.81%	52.24%	15.55%	19.55%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	815.34M	791.61M	835.65M	749.62M	693.88M	684.10M	741.99M	677.63M	643.97M	638.95M	698.04M	655.73M	644.94M	661.75M	696.69M	655.92M	649.37M	667.86M	701.94M	683.75M	712.01M	716.49M	1.04B	1.19B	1.18B	1.16B	1.07B	1.02B	1.02B	979.16M	979.10M	1.10B	1.08B	-	-	1.18B	1.16B	1.16B	1.20B	1.22B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	626.23M	585.71M	601.64M	609.77M	633.27M
Gross Profit	538.53M	488.61M	534.94M	500.16M	457.23M	442.72M	462.66M	432.53M	412.46M	410.88M	436.98M	423.89M	407.74M	419.56M	424.87M	408.07M	400.00M	411.14M	420.18M	399.53M	425.03M	427.41M	510.52M	587.47M	568.76M	546.10M	532.54M	505.54M	506.26M	506.23M	497.17M	529.07M	531.96M	-	-	550.13M	571.83M	563.08M	586.68M	586.46M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	487.51M	521.09M	510.32M	529.43M	509.02M
Operating Income	49.70M	6.57M	48.43M	27.55M	16.70M	-159.28M	1.15M	-873.00K	-8.45M	-54.89M	-10.27M	27.15M	25.63M	13.62M	17.35M	129.83M	38.85M	67.83M	48.88M	53.63M	80.19M	54.64M	70.05M	106.52M	67.15M	11.04M	58.08M	37.08M	-35.11M	84.03M	58.05M	61.76M	80.66M	-	-	62.62M	50.73M	52.75M	57.24M	77.44M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	432.67M	428.25M	431.35M	443.58M	456.93M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.80M	28.52M	28.66M	28.00M	26.88M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.51M	22.85M	19.87M	29.86M	51.27M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.72M	7.36M	6.65M	10.12M	15.48M
Net Income	23.15M	-4.09M	25.06M	9.95M	6.18M	-146.38M	-6.68M	-8.89M	-12.60M	34.82M	-19.84M	13.75M	12.92M	1.66M	49.29M	94.45M	31.28M	40.49M	49.29M	38.49M	64.03M	56.30M	42.55M	61.31M	21.27M	-4.24M	19.73M	-5.78M	47.33M	-45.62M	4.36M	27.69M	33.95M	-	-	24.79M	15.48M	13.22M	19.74M	35.79M
Diluted EPS	0.43	-0.08	0.47	0.19	0.12	-2.76	-0.13	-0.17	-0.24	0.65	-0.37	0.25	0.24	0.03	0.13	1.70	0.56	0.72	0.88	0.70	1.15	1.00	0.64	0.90	0.31	-0.08	0.33	-0.10	0.84	-0.83	0.08	0.50	0.61	-	0.55	0.42	0.26	0.22	-	0.61

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	2.88B	2.75B	2.73B	2.88B	3.08B	3.09B	3.16B	3.28B	2.96B	2.70B	2.66B	2.67B	2.81B	-	4.25B	3.99B	4.32B	4.70B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.17B	1.97B	2.24B	2.42B
Gross Profit	-	1.99B	2.00B	2.05B	2.14B	2.15B	2.18B	2.12B	1.94B	1.72B	1.69B	1.64B	1.67B	-	2.08B	2.02B	2.08B	2.27B
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.93B	1.86B	1.79B	2.05B
Operating Income	274.39M	296.32M	303.77M	291.33M	313.03M	247.01M	193.46M	-1.01B	-66.60M	-63.06M	56.14M	253.86M	237.34M	-	148.54M	162.87M	291.63M	223.35M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.51B	1.46B	1.71B	1.74B
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	87.71M	113.42M	110.58M	112.98M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61.47M	52.87M	177.54M	108.09M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	49.11M	58.05M	54.06M	34.85M
Net Income	139.62M	167.85M	171.64M	163.46M	180.02M	128.76M	96.42M	-953.52M	-105.19M	6.65M	8.49M	173.55M	208.12M	-	12.36M	-5.18M	123.48M	73.24M
Diluted EPS	2.08	2.52	2.60	2.64	3.03	2.33	1.81	-17.97	-1.98	0.12	0.16	3.10	3.73	-	0.21	-0.09	2.21	1.25

Compounded Sales Growth

5 Years:	3.41%
1 Year:	3.70%

Compounded Profit Growth

5 Years:	80.97%
1 Year:	45.20%

Stock Price Performance

1 Year:	-9.72%
6 Months:	+10.02%
3 Months:	-8.48%
1 Month:	+1.43%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Jan 2018	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.44B	2.69B	2.79B	2.86B	3.02B	3.27B	1.97B	1.60B	1.42B	-	1.40B	1.58B	1.75B	-	2.76B	2.72B	2.65B	3.28B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	309.06M	261.37M	277.02M	481.94M
Cash & Equivalents	97.38M	87.38M	70.73M	70.73M	88.06M	61.09M	42.27M	46.13M	60.36M	95.40M	72.97M	-	155.39M	70.49M	159.45M	-	144.14M	93.70M	60.86M	120.53M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.99M	6.40M	5.52M	5.21M
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	111.86M	111.00M	156.44M	203.19M
Total Liabilities	-	-	1.20B	1.33B	1.44B	1.40B	1.68B	1.88B	1.59B	1.34B	1.15B	1.15B	1.11B	1.12B	1.16B	-	2.24B	2.16B	2.02B	2.58B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	445.17M	452.25M	371.34M	477.67M
Long Term Debt	-	-	-	-	-	-	-	-	425.63M	191.81M	-	-	-	-	-	-	1.37B	1.31B	1.31B	1.57B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.67B	1.60B	1.58B	1.86B
Total Equity	947.09M	1.08B	1.25B	1.35B	1.36B	1.46B	1.34B	1.39B	383.59M	264.93M	272.44M	271.13M	286.52M	458.96M	592.08M	-	525.15M	560.37M	628.98M	695.74M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	125.03M	125.42M	125.80M	129.41M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	384.34M	330.12M	216.49M	286.63M	217.90M	134.34M	19.11M	230.99M	354.07M	110.53M	227.50M	215.42M	236.50M	392.30M	468.46M	200.29M	104.72M	305.57M
Investing Cash Flow	-71.49M	-72.94M	-167.18M	-159.25M	-110.73M	-129.63M	-96.67M	-90.08M	-58.98M	-63.35M	-4.69M	20.76M	-20.61M	-1.34B	-62.33M	-50.96M	-41.51M	-403.73M
Financing Cash Flow	-323.23M	-245.06M	-81.33M	-109.84M	-134.46M	-23.12M	82.85M	-124.39M	-259.71M	-70.54M	-140.31M	-321.63M	-126.68M	892.85M	-370.71M	-202.12M	-93.52M	156.47M
Capital Expenditure	-61.93M	-68.84M	-93.01M	-132.71M	-102.45M	-108.37M	-83.78M	-80.87M	-61.14M	-65.46M	-27.96M	-21.16M	-34.55M	-62.45M	-61.39M	-53.40M	-56.27M	-66.86M
Free Cash Flow	322.40M	261.28M	123.48M	153.92M	115.44M	25.98M	-64.67M	150.12M	292.93M	45.07M	199.54M	194.26M	201.96M	329.85M	407.07M	146.89M	48.45M	238.71M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.42M	-52.79M	-30.30M	58.31M
Share Buybacks	13.38M	8.83M	84.52M	164.17M	61.86M	217.42M	0	0	-	0	0	1.29M	26.57M	390.11M	75.05M	50.00M	0	0
Dividends Paid	0	0	7.80M	26.89M	37.87M	46.81M	48.66M	51.01M	25.55M	12.81M	0	13.71M	63.12M	71.50M	79.19M	83.06M	82.30M	87.86M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	72.2%	73.1%	71.2%	69.5%	69.6%	69.2%	64.6%	65.3%	63.6%	63.5%	61.6%	59.4%	-	49.0%	50.7%	48.1%	48.4%
Operating Margin %	9.5%	10.8%	11.1%	10.1%	10.2%	8.0%	6.1%	-30.7%	-2.2%	-2.3%	2.1%	9.5%	8.4%	-	3.5%	4.1%	6.7%	4.8%
Net Margin %	4.8%	6.1%	6.3%	5.7%	5.9%	4.2%	3.1%	-29.1%	-3.5%	0.2%	0.3%	6.5%	7.4%	-	0.3%	-0.1%	2.9%	1.6%
ROE %	12.9%	13.5%	12.7%	12.0%	12.3%	9.6%	6.9%	-248.6%	-39.7%	2.4%	3.0%	37.8%	35.1%	-	2.4%	-0.9%	19.6%	10.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.4%	7.2%	12.8%	8.0%

Shareholding Pattern

Insiders

7.72%

Institutions

98.06%

Public Float

106.26%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.08%	8.21M	$157.68M
2	FMR, LLC	9.28%	5.41M	$103.88M
3	Vanguard Portfolio Management LLC	6.76%	3.94M	$75.67M
4	IEQ Capital, LLC	6.70%	3.90M	$74.99M
5	Dimensional Fund Advisors LP	4.11%	2.39M	$46.00M
6	LSV Asset Management	3.97%	2.31M	$44.44M
7	State Street Corporation	3.94%	2.30M	$44.12M
8	Vanguard Capital Management LLC	3.90%	2.28M	$43.72M
9	Huber Capital Management Llc	2.92%	1.70M	$32.71M
10	Goldman Sachs Group Inc	2.36%	1.38M	$26.45M

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