# Upbound Group Inc. (UPBD) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $18.98, market value $1.1 billion.

## Valuation
- **P/E (trailing): 12.3×** (5-yr avg 32.7×, 3-yr avg 12.6×). Upbound Group Inc. trades at 12.3× trailing earnings, well below its own five-year average of 32.7×: cheap by its own standards. The Technology median in the September 2026 study was 32.1×. Forward P/E is 4.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.2×**. Each dollar of revenue is priced at 0.2×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 34.7%** (5-yr avg 17.6%). Free cash flow equals 34.7% of the market value, above its five-year average of 17.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.1%**. The inverse of the P/E: 8.1% of the price is earned each year.

## Profitability
- **Gross margin: 49.1%**. Upbound Group Inc. keeps 49.1% of revenue after the direct cost of what it sells.
- **Operating margin: 5.1%**. 5.1% of revenue is left after running the business.
- **Net margin: 1.6%**. 1.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.5%**. 10.5% on shareholders' equity is solid.
- **Return on invested capital: 24.9%**. Return on all capital, debt included, is 24.9%: comfortably above what that capital costs.
- **Return on assets: 2.8%**. Each dollar of assets produces 2.8% of profit.

## Growth
- **Revenue growth (1 yr): 8.7%** (3-yr 3.4%/yr, 5-yr 10.8%/yr). Revenue grew 8.7% over the last year, against 10.8% a year compounded over five years.
- **EPS growth (1 yr): -43.4%** (3-yr 81.2%/yr, 5-yr -19.6%/yr). Earnings per share fell 43.4%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -16.3%/yr**. Free cash flow has compounded at -16.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.28**. Debt is 0.28 times equity: a conservative balance sheet.
- **Altman Z-score: 2.21**. A Z-score of 2.21 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 8.22%** ($1.56 per share, trailing). Upbound Group Inc. yields 8.22%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 120%** (24% of free cash flow). The dividend exceeds earnings (120% payout), though free cash flow still covers it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 1.2%/yr** (1-yr 4.0%). The dividend has grown 1.2% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover Upbound Group Inc.; the consensus is buy, with an average price target of $28.25 (+49% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -18.6%** (YTD 12.8%, 3-mo 6.1%). The shares are down 18.6% over twelve months including dividends.
- **From 52-week high: -32.3%** (20.0% above the low). Trading 32% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 46**. An RSI of 46 is neutral.
- **Beta (1 yr): 1.48** (volatility 45%). Beta of 1.48 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UPBD · Page: https://foliofundamentals.com/stocks/upbd

Not investment advice.