Upbound Group (UPBD) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Upbound Group

NasdaqGS•Technology•Software - Application

$19.98+3.07(0.18%)Pre-market

Market Cap

$1.33B

P/E

12.0x

P/S

0.3x

P/B

1.8x

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.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability19/25

Growth16/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowRising earningsCash-backed earningsProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.0x5y range 11.1x – 187.3x

Currently below its 17-quarter median.

P/S · 0.3x5y range 0.2x – 0.6x

Currently near its 20-quarter median.

P/B · 1.8x5y range 1.4x – 5.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Share Dilution

Red Flag

Shares outstanding increased 6.5% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.33B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.73B
Q. Revenue: $1.15B
TTM EBITDA: $1.76B
TTM Op. Income: $260.12M
Q. Op. Income: $71.18M
TTM Net Income: $111.39M
Q. Net Income: $34.27M
EPS: $0.59
Shares Out.: $58.28M

$4.73B in TTM revenue grew 3.2% YoY, reaching $1.15B last quarter. TTM EBITDA of $1.76B and TTM operating income of $260.12M show growth is flowing through to the bottom line. TTM net income of $111.39M means revenue is converting into profit. Over the past year, TTM revenue is up 3% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 50.6%
EBITDA Margin: 38.2%
Op. Margin: 6.2%
Net Margin: 3.0%

Op. margin of 6.2% is up 1.7% YoY — cost efficiency is improving. Net margin at 3.0% and gross margin of 50.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 37% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.0x
P/S Ratio: 0.3x
P/B Ratio: 1.8x

At 12.0x P/E, the stock trades below typical market levels. P/S of 0.3x and P/B of 1.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 27% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.05B
Cash: $125.10M
Long-Term Debt: $1.35B
Book Value: $750.12M
D/E Ratio: 1.8
Debt/EBITDA: 3.1

With $3.05B in assets and $1.35B in long-term debt, D/E is 1.8and book value is $750.12M — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $163.14M
TTM Free Cash Flow: $433.56M
FCF Margin: 9.2%
FCF / Net Income: 3.9

TTM FCF of $433.56M on $163.14M in operating cash flow. The FCF / Net Income ratio of 3.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.