Upbound Group Inc. (UPBD)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 19.40 $ — 29% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 3.4% failed
- More than 10% revenue growth is expected for the coming year 5.3% failed
- Share count grows by less than 3% a year -0.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 13.8% failed
- Gross margin at 40% or higher and without meaningful erosion 34.5% failed
- Goodwill from acquisitions does not grow faster than revenue 14.9% failed
- Net debt below twice EBITDA 6.4 x EBITDA failed
- Operating cash flow covers the profits of the last three years 419 m passed
- Return on capital at 15% or higher, or up versus two years ago 8.7% passed
- Insiders hold at least 10% or are net buyers 7.7% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 45.6% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 8
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.14 | 4.04 – 4.20 | 4,735 | 0.4% | 7 |
| 12/31/2027 | 4.58 | 4.38 – 4.76 | 4,937 | 10.6% | 7 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.55 | – | 1,079 | 6.00 | 2.90 | -62 | -18 |
| 2025: Q1 | 0.42 | -14.40 | 1,176 | 7.30 | 2.10 | 138 | 127 |
| 2025: Q2 | 0.26 | -56.60 | 1,158 | 7.50 | 1.30 | 8 | -10 |
| 2025: Q3 | 0.22 | -59.40 | 1,165 | 9.00 | 1.10 | 118 | 98 |
| 2025: Q4 | 0.34 | -39.20 | 1,196 | 10.90 | 1.70 | 42 | 91 |
| 2026: Q1 | 0.61 | 43.90 | 1,220 | 3.70 | 2.90 | 171 | 155 |
| 2026: Q2 | 0.37 | 42.30 | 1,163 | 0.50 | 1.90 | 123 | 108 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 2,963 | -67 | -113 | -2.13 | 354 | 265 | 1,603 |
| 2017 | 2,703 | -63 | 7 | 0.12 | 111 | 272 | 1,421 |
| 2018 | 2,660 | 56 | 8 | 0.16 | 228 | 287 | 1,397 |
| 2019 | 2,670 | 254 | 174 | 3.10 | 215 | 459 | 1,583 |
| 2020 | 2,814 | 237 | 208 | 3.73 | 237 | 592 | 1,751 |
| 2021 | 4,583 | 281 | 135 | 2.02 | 392 | 513 | 2,993 |
| 2022 | 4,245 | 149 | 12 | 0.21 | 468 | 525 | 2,764 |
| 2023 | 3,992 | 163 | -5 | -0.09 | 200 | 560 | 2,721 |
| 2024 | 4,321 | 292 | 123 | 2.21 | 105 | 629 | 2,650 |
| 2025 | 4,695 | 223 | 73 | 1.25 | 306 | 696 | 3,276 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Upbound Group, Inc., ein technologie- und datengetriebenes Unternehmen, bietet Finanzlösungen in den USA, Puerto Rico und Mexiko an.
| Employees | 12,050 |
|---|---|
| Headquarters | Plano, TX |
| Address | 5501 Headquarters Drive, 75024 Plano, United States |
| Phone | 972 801 1100 |
| Website | upbound.com |
| IPO Date | 25. Jan 1995 |
| ISIN | US76009N1000 |
| Stock Split | 5:2 on 09/02/2003 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Fahmi Karam CPA | CEO & Director | 1978 |
| Hal Khouri CPA | Executive VP & CFO | 1970 |
| Anthony J. Blasquez | Executive Vice President of Rent-A-Center Business | 1977 |
| Tyler Montrone | Executive Vice President of Acima | 1982 |
| Balaji Kumar | Executive VP & CTO | 1974 |
| Transient C. Taylor | Executive VP & Chief HR Officer | 1966 |
| James York | Senior Vice President of Rent-A-Center East | 1969 |
| Tiffany Wall | Senior VP of Strategic Operations & Chief of Staff | – |
| Robbie Kellogg | Senior Vice President of Rent-A-Center West | – |
| Anup Mehendale | VP & Chief Risk Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 7. Jul 2026 | Brown Jeffrey J | Director | Buy | 1,841 | 20.09 | 36,986 |
| 7. Jul 2026 | Brown Jeffrey J | Director | Buy | 454 | 20.09 | 9,121 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.