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

$17.66-0.12(-0.01%)After hours

Market Cap

$1.03B

P/E

11.4x

P/S

0.2x

P/B

1.4x

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

AverageMetricSide Score: 58/100

Strongest: Cash & Earnings Quality (23/25); weakest: Profitability (10/25).

Profitability10/25

Growth12/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowCash-backed earningsImproving leverageConsistent growth

Valuation vs. 5-year range

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

P/E · 11.4x5y range 11.1x – 187.3x

Currently below its 17-quarter median.

P/S · 0.2x5y range 0.2x – 0.8x

Currently below its 20-quarter median.

P/B · 1.4x5y range 1.4x – 5.3x

Watch items

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

High Risk

Margin Pressure

Watch

Operating margins declined 13.9% — watch for continued compression, which may signal competitive or cost pressure.

Cash Burn

Watch

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

Price & Volume

Market Cap $1.03B

Metrics at a Glance

as of June 2026

Revenue & Profit

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

TTM Revenue: $4.74B
Q. Revenue: $1.16B
TTM EBITDA: $1.76B
TTM Op. Income: $241.69M
Q. Op. Income: $54.26M
TTM Net Income: $90.34M
Q. Net Income: $21.58M
EPS: $0.37
Shares Out.: $58.27M

$4.74B in TTM revenue grew 5.9% YoY, reaching $1.16B last quarter. TTM EBITDA of $1.76B and TTM operating income of $241.69M show growth is flowing through to the bottom line. TTM net income of $90.34M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 51.1%
EBITDA Margin: 36.5%
Op. Margin: 4.7%
Net Margin: 1.9%

Op. margin of 4.7% is up 0.3% YoY — cost efficiency is improving. Net margin at 1.9% and gross margin of 51.1% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 6% — a weakening trend.

Price Ratios

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

P/E Ratio: 11.4x
P/S Ratio: 0.2x
P/B Ratio: 1.4x

At 11.4x P/E, the stock trades below typical market levels. P/S of 0.2x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

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

Total Assets: $3.10B
Cash: $105.30M
Long-Term Debt: $1.42B
Book Value: $733.35M
D/E Ratio: 1.9
Debt/EBITDA: 3.3

With $3.10B in assets and $1.42B in long-term debt, D/E is 1.9and book value is $733.35M — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow: $123.30M
TTM Free Cash Flow: $384.48M
FCF Margin: 8.1%
FCF / Net Income: 4.3

TTM FCF of $384.48M on $123.30M in operating cash flow. The FCF / Net Income ratio of 4.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.