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Company Analysis

Upbound Group, Inc. UPBD

A comprehensive view of key metrics, scores, and financial health for Upbound Group, Inc.

Overview of Upbound Group, Inc.

UPBD NMS
Technology Software - Application Framework: Software & SaaS Small Cap
Upbound Group, Inc. (UPBD), is a Small Cap company, in the Software - Application industry, last closed at $16.95, about 1850.1% undervalued vs fair value, -28.2% 1Y return, ranked 371/780 in sector.
Metrics P/E 14.1× Rev Growth 8.7% ROE 11.1% Gross Margin 48.4% Div Yield 8.64%
USD 16.95
-0.24%
(Delayed)
• Vol 90d: 39.2%
52-Week Range
Market Cap
$988.17M
Enterprise Value
$2.31B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 94%
Updated: Oct 24
Top Beats
No strong beats yet

Quick Facts

Website https://www.upbound.com
HQ Plano, TX
Employees 12,050
Fiscal year Dec 31

Next Events

Earnings Oct 29 Call: Oct 29

Fair Value Snapshot

Bear Base Bull
$301
$331
$365
Current: $16.95 +1850% vs base

Engine Room Money Flow™

Small Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.7B
8.7%%
Gross Profit
$2.3B
9.2%%
Operating Income (GAAP)
$223.3M
-23.4%%
Operating Cash Flow
$305.6M
191.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
48.4%
Fair

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$87.9M
36.8% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
4/4
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Upbound Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • R&D Reinvestment Supports Growth R&D commitment is strong relative to peers (score 0.70).
  • Debt Covered by Cash Generation Debt capacity is solid (score 0.71), supporting resilience through cycles.

Key risks

  • Lumpy Revenue Trajectory Revenue consistency is weak (score 0.35), suggesting demand may be less recurring than peers.
  • Contracted Demand Looks Thin Contracted demand signal is weak (score 0.31), limiting evidence of strong subscription stickiness.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Moderate
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing UPBD's balance between Growth (29.2%), Profitability (39.3%), and Safety (31.6%). Growth 29% Safety 32% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
36
Key Signals
Rev Growth YoY 8.7% 47p Revenue CAGR 3Y 3.4% 35p Def Rev Growth -2.3% 31p TSR -34.6% 28p Buyback % 5.9% 32p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 35)

Profitability

48th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Upbound Group, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$330.55
- - -
+1850.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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