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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 $18.94, about 1645.3% undervalued vs fair value, -22.5% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 8.7% ROE 11.1% Gross Margin 34.4% Div Yield 8.64%
USD 18.94
1.88%
(Delayed)
• Vol 90d: 42.0%
52-Week Range
Market Cap
$1.05B
Enterprise Value
$2.63B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 81%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Jul 7 Ex-div: Jun 16
Earnings Jul 30 Estimated

Fair Value Snapshot

Bear Base Bull
$301
$331
$365
Current: $18.94 +1645% 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
$1.6B
-22.3%%
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
34.5%
Fair

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

Locked Metric
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Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
Analysis based on partial data. Some metrics unavailable for complete assessment.
2
Active Leaks
2/2
Improving
0
High Impact
0
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
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
64
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Software SaaS vs Industry Peers 73% Coverage
Trade-Off Triangle Visualization A ternary plot showing UPBD's balance between Growth (31.1%), Profitability (33.7%), and Safety (35.2%). Growth 31% Safety 35% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
40
Key Signals
Rev Growth YoY 8.7% 50p Revenue CAGR 3Y 3.4% 33p TSR -34.6% 25p
Strengths
  • Current Ratio in top 20% of peers (4.07, 85th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 40)

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
45
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
$330.56
- - -
+1645.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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