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Upbound Group, Inc. (UPBD) stock

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NASDAQ: UPBD Nasdaq Consumer Finance Next results ~February 18, 2027

C Fundamentals grade

Upbound Group, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

Under review: our cash-flow value ($82.88) was left out of our combined valuation (it is more than 3x away from the median of our other models), so it can't be the basis of a rating.

Price vs value

Under review: our cash-flow value ($82.88) was left out of our combined valuation (it is more than 3x away from the median of our other models), so it can't be the basis of a rating. We'll show the comparison once resolved.

Upbound Group, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders1 buying, 1 selling8 purchases and 1 sale by directors and officers, last 12 monthsInsider trades
  • Funds143 adding, 86 cuttingOf 43 active managers that changed their stake, 24 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Upbound Group files

10-Q filed October 30: Upbound

Upbound Group's revenue for the twelve months to September 2026 reached $4.73bn, a 3.2% rise on the year before. That pace has cooled from the 5.9% growth recorded a quarter earlier, suggesting the top line is losing some momentum. Profitability, however, has moved the other way: free-cash-flow margin climbed to 9.2%, well above the 3.1% seen a year ago. Reflecting this improved cash conversion, our model value has been lifted from $14.33 to $18.91 a share. At $19.11, the current share price sits marginally above our updated estimate, leaving little obvious margin of safety at present levels despite the stronger cash generation underlying the business.

Our model value for Upbound Group is under review, so past values are not shown until it is resolved.

Source: 10-Q filed October 30, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (1)

Where Upbound stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $4.74bn, up 5.9% on a year earlier, slower than the 7.7% growth a quarter earlier. Free-cash-flow margin rose to 7.5% from 3.6% a year earlier. The diluted share count is up 2.6% on a year earlier, which dilutes existing holders. It passes 0 of our 1 financial-health checks.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~February 18, 2027 (estimated)

Upbound Group, Inc.'s trailing-twelve-month revenue grew 3.2% year on year, with a free-cash-flow margin of 9.2%. Where it stands out: stock pay as % of revenue of 0.5% ranks 3 of 36 consumer finance companies we cover.

Our discounted-cash-flow model values the business at ~$83 per share in the base case (~$59–$110 across growth scenarios) — model values under stated assumptions, not a price target.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 208.3% while net income grew 31.8%: a 176pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Volatile shares. Over the past year the shares showed annualised volatility of 46% and a beta of 1.0 against the S&P 500.
  • Growth easing. The growth rate is 2.6 points lower than a quarter earlier.
  • Heavily shorted. 18.5% of the shares available to trade are sold short (8.4 days of average volume to cover).

Latest results: FY2026 Q3

Filed October 30, 2026
Earnings per share
$1.01 against an average estimate of $0.91: beat by 11.4%
Revenue
$1.15bn, down 1.6% on a year earlier
Share reaction
+22.4% in the first session after the results on October 29, 2026, against -2.1% for the S&P 500
Next report
October 29, 2026; average EPS estimate $1.10

Upbound Group's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+10.3%
  • 1 week+34.4%
  • 1 month+47.2%
  • This year+39.2%
  • 1 year+28.9%
  • 5 years-44.1%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$4.7B
Operating margin
5.5%
Net margin
2.4%
EPS (TTM, diluted)
$1.90

Growth

Revenue growth
+3.2%
Change in growth rate
−2.6 pts
Share count change
+1.2%

Cash

Free cash flow (TTM)
$434M
FCF margin
9.2%
Stock pay % of revenue
0.5%

Earnings

Last results
October 29, 2026
Next results (est.)
February 18, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Leadership
  3. Results
  4. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Upbound Group, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: held for review: our cash-flow value ($82.88) was left out of our combined valuation (it is more than 3x away from the median of our other models), so it can't be the basis of a rating.

Our value per share comes from a discounted-cash-flow model of Upbound Group, Inc.'s free cash flow after stock-based pay ( $296M, FY2026 Q3 TTM, with after-tax interest added back): growth for five years as below (the first two years from forecasts, guidance and the company's record), fading to 2.5%, discounted at 8.5%, then cash added and debt and other claims subtracted. These are model values under stated assumptions, not price targets or recommendations.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Upbound Group, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.84 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Cash-flow model (DCF) Free cash flow to the firm (after stock pay, with after-tax interest added back), grown then faded to 2.5%, discounted at 8.5% as the firm rate, less debt and other claims. ~$83 ~$59–$110 Left out: far from the other models (more than 3x away from their median)
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$13 ~$10–$17 Included
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$14 ~$12–$15 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$16 ~$9.4–$23 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$10 ~$13–$20 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$45 ~$43–$54 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$15 ~$14–$18 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Upbound Group, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Valuation multiples over time Market data may be delayed

At fiscal year end 20152016201720182019202020212022202320242025Now
Share price$9.82$7.52$7.59$11.07$19.91$27.82$35.72$17.89$28.26$25.42$16.41$22.84
Market value$521m$399m$409m$604m$1.1bn$1.6bn$2.4bn$1.1bn$1.6bn$1.4bn$962m$1.3bn
+ Net debt (− = net cash)$365m$96m$32m−$155m$169m$38m$1.1bn$806m$787m$816m$1.0bn$786m
Enterprise value$886m$496m$441m$448m$1.3bn$1.6bn$3.4bn$1.9bn$2.3bn$2.2bn$2.0bn$2.1bn
Multiples
Price / sales 0.2x0.1x0.2x0.2x0.4x0.6x0.5x0.2x0.4x0.3x0.2x0.3x
Price / earnings ——61.4x71.1x6.4x7.5x17.7x85.4x—11.5x13.1x12.0x
Price / free cash flow 3.5x1.4x9.1x3.0x5.7x7.7x7.2x2.6x10.6x29.3x4.0x3.1x
EV / EBITDA —46.1x41.5x3.6x4.1x5.4x9.9x9.2x10.9x6.5x7.2x6.7x

Market value uses the period's diluted share count; figures for each fiscal year use that year's results and the price at year end. "Now" uses today's price and the last twelve months.

Moat

42 /100

Weak moat

How hard Upbound Group's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 2 / 20

    Net income has been a median 3.1% of total assets over 10 years.

  • Pricing power 13 / 20

    Gross margin has been a median 50.6%, moving by 6.5 percentage points (standard deviation) across 10 years.

  • Durability 0 / 20

    Operating margin has been a median 5.4%; its worst year was -6.1%.

  • Cash conversion 13 / 20

    Free cash flow was positive in 10 of 10 years, at a median 5.4% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 9.1% over five years; stock-based pay has been a median 0.5% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (48 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.16 +1% $4.7bn +1%
Next $4.62 +11% $4.9bn +4%

Next year's EPS estimate has moved −2.9% in 90 days, across 6 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −0.9% on 90 days ago. In the last 30 days, 1 analyst raised Upbound Group, Inc.'s forecast and 4 cut it.

Consensus EPS forecast Upbound Group, Inc., last 90 days
$4.00 $4.20 $4.40 $4.60 $4.80 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $4.20 Current fiscal year, 60 days ago: $4.14 Current fiscal year, 30 days ago: $4.15 Current fiscal year, 7 days ago: $4.16 Current fiscal year, Now: $4.16 $4.16 Next fiscal year, 90 days ago: $4.76 Next fiscal year, 60 days ago: $4.58 Next fiscal year, 30 days ago: $4.61 Next fiscal year, 7 days ago: $4.62 Next fiscal year, Now: $4.62 $4.62

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $4.20$4.76
60 days ago $4.14$4.58
30 days ago $4.15$4.61
7 days ago $4.16$4.62
Now $4.16$4.62

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.91 $1.01 +11.4%
Jun 2026 $1.05 $1.07 +2.0%
Mar 2026 $1.07 $1.08 +0.5%
Dec 2025 $0.97 $1.01 +3.8%

Adjusted EPS as companies report it, against the average analyst estimate.

How our valuation uses these forecasts

Our cash-flow model grows Upbound Group, Inc.'s revenue by +3.7% next year and +4.5% the year after, then fades back toward its own record by year five. Next year's rate weighs analysts' consensus (+3.2%, weight 65%) and the company's own record (+4.6%, weight 35%) . How the weights are set.

Analyst recommendations

6 analysts, Oct 2026
Buy583%
Hold117%
Sell00%

Monthly trend

  1. Oct 20261416
  2. Sep 20261416
  3. Aug 20261427
  4. Jul 20261427

Counts of recommendations published by analysts covering Upbound Group, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
18.5%
of tradable shares
Days to cover
8.41
at average volume
Short interest, 1 month
+16%
to October 15, 2026
Held by institutions
—
of shares
Held by insiders
3.9%
of shares
Employees
12,050
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months +28.9%

$17.72 on October 31, 2025 to $22.84

ThenNowEffect
Revenue (last 12 months) $4.5bn $4.7bn +5.9%
Net margin 2.3% 1.9% −16.4%
P/E multiple 9.9x 14.9x +49.5%
Share count 57m 59m −2.5%

Biggest factor: p/e multiple.

Last 3 years −2.8%

$23.50 on November 3, 2023 to $22.84

ThenNowEffect
Revenue (last 12 months) $4.0bn $4.7bn +18.3%
P/S multiple 0.3x 0.3x −17.6%
Share count 59m 59m −0.4%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
UPBD+28%−50%+58%−10%−35%+39%
Industry peers (median)+44%−33%+12%+30%+22%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
UPBD58%42%58%42%42%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
UPBD−33%−64%−27%−28%−44%−31%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 72% from August 27, 2021 to September 30, 2022. Getting back needed a 257% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$14.72 – $22.84
From 52-week high
0.0%
vs 50-day average
+33.9%
vs 200-day average
+25.8%
Volatility (1 year)
46%
Beta vs S&P 500
0.99

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±10.6%
After a week
5 up, 6 down
typical move ±10.5%
After a month
6 up, 5 down
typical move ±12.4%
Results releasedNext dayS&P 500 next day5 days21 days
October 29, 2026 +22.4% −2.1% — —
July 30, 2026 −7.4% +2.4% −6.9% −8.3%
April 30, 2026 +1.3% +1.3% −1.0% +0.6%
February 19, 2026 +9.1% +0.5% +5.5% −17.6%
October 30, 2025 −16.1% −0.8% −19.6% −21.8%
July 31, 2025 −14.9% −2.0% −10.1% +4.3%
May 1, 2025 +21.4% +2.2% +20.6% +17.1%
February 20, 2025 −8.8% −2.1% −8.6% −14.8%
October 31, 2024 +8.8% −1.5% +21.1% +27.7%
August 1, 2024 −9.4% −3.3% −14.0% −11.7%
May 2, 2024 −2.7% +2.2% +3.3% +4.5%
February 22, 2024 +5.3% +2.1% +5.2% +7.9%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Upbound Group, Inc. in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Upbound Group, Inc.
$3.8B $4B $4.2B $4.4B $4.6B $4.8B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $4B Revenue (TTM), FY24 Q1: $4.1B Revenue (TTM), FY24 Q2: $4.2B Revenue (TTM), FY24 Q3: $4.3B Revenue (TTM), FY24 Q4: $4.3B Revenue (TTM), FY25 Q1: $4.4B Revenue (TTM), FY25 Q2: $4.5B Revenue (TTM), FY25 Q3: $4.6B Revenue (TTM), FY25 Q4: $4.7B Revenue (TTM), FY26 Q1: $4.7B Revenue (TTM), FY26 Q2: $4.7B Revenue (TTM), FY26 Q3: $4.7B $4.7B

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $4B
FY24 Q1 $4.1B
FY24 Q2 $4.2B
FY24 Q3 $4.3B
FY24 Q4 $4.3B
FY25 Q1 $4.4B
FY25 Q2 $4.5B
FY25 Q3 $4.6B
FY25 Q4 $4.7B
FY26 Q1 $4.7B
FY26 Q2 $4.7B
FY26 Q3 $4.7B
Revenue growth, TTM YoY Upbound Group, Inc.
-10% -5% 0% 5% 10% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: -6.0% Revenue growth, TTM YoY, FY24 Q1: -0.7% Revenue growth, TTM YoY, FY24 Q2: 4.0% Revenue growth, TTM YoY, FY24 Q3: 7.4% Revenue growth, TTM YoY, FY24 Q4: 8.2% Revenue growth, TTM YoY, FY25 Q1: 8.1% Revenue growth, TTM YoY, FY25 Q2: 7.5% Revenue growth, TTM YoY, FY25 Q3: 7.5% Revenue growth, TTM YoY, FY25 Q4: 8.7% Revenue growth, TTM YoY, FY26 Q1: 7.7% Revenue growth, TTM YoY, FY26 Q2: 5.9% Revenue growth, TTM YoY, FY26 Q3: 3.2% 3.2%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 -6.0%
FY24 Q1 -0.7%
FY24 Q2 4.0%
FY24 Q3 7.4%
FY24 Q4 8.2%
FY25 Q1 8.1%
FY25 Q2 7.5%
FY25 Q3 7.5%
FY25 Q4 8.7%
FY26 Q1 7.7%
FY26 Q2 5.9%
FY26 Q3 3.2%
Operating margin (TTM) Upbound Group, Inc.
4% 5% 6% 7% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Operating margin (TTM), FY23 Q4: 4.1% Operating margin (TTM), FY24 Q1: 6.4% Operating margin (TTM), FY24 Q2: 6.1% Operating margin (TTM), FY24 Q3: 6.3% Operating margin (TTM), FY24 Q4: 6.7% Operating margin (TTM), FY25 Q1: 6.6% Operating margin (TTM), FY25 Q2: 5.9% Operating margin (TTM), FY25 Q3: 5.4% Operating margin (TTM), FY25 Q4: 4.8% Operating margin (TTM), FY26 Q1: 5.0% Operating margin (TTM), FY26 Q2: 5.1% Operating margin (TTM), FY26 Q3: 5.5% 5.5%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q4 4.1%
FY24 Q1 6.4%
FY24 Q2 6.1%
FY24 Q3 6.3%
FY24 Q4 6.7%
FY25 Q1 6.6%
FY25 Q2 5.9%
FY25 Q3 5.4%
FY25 Q4 4.8%
FY26 Q1 5.0%
FY26 Q2 5.1%
FY26 Q3 5.5%
FCF margin (TTM) Upbound Group, Inc.
0% 5% 10% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 3.7% FCF margin (TTM), FY24 Q1: 2.1% FCF margin (TTM), FY24 Q2: 1.5% FCF margin (TTM), FY24 Q3: 2.0% FCF margin (TTM), FY24 Q4: 1.1% FCF margin (TTM), FY25 Q1: 3.5% FCF margin (TTM), FY25 Q2: 3.6% FCF margin (TTM), FY25 Q3: 3.1% FCF margin (TTM), FY25 Q4: 5.1% FCF margin (TTM), FY26 Q1: 5.4% FCF margin (TTM), FY26 Q2: 7.5% FCF margin (TTM), FY26 Q3: 9.2% 9.2%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 3.7%
FY24 Q1 2.1%
FY24 Q2 1.5%
FY24 Q3 2.0%
FY24 Q4 1.1%
FY25 Q1 3.5%
FY25 Q2 3.6%
FY25 Q3 3.1%
FY25 Q4 5.1%
FY26 Q1 5.4%
FY26 Q2 7.5%
FY26 Q3 9.2%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

Each dollar Upbound Group took in during FY2025, followed through to profit: what it cost to make, what went on running the business, and what was left after tax.

  1. Revenue $4.7B
  2. Cost of revenue $2.4B · 51.6%
  3. Gross profit $2.3B · 48.4%
  4. Selling, general and admin $232M · 4.9%
  5. Other operating costs $1.8B · 38.7%
  6. Operating income $223M · 4.8%
  7. Income tax $34.8M · 0.7%
  8. Interest and other $115M · 2.5%
  9. Net income $73.2M · 1.6%

Shares of revenue. Source: Upbound Group's 10-K for FY2025, as filed with the SEC. "Other" lines are what the reported lines leave unexplained.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 2,752 2,732 2,882 3,076 3,094 3,158 3,278 2,963 2,703 2,660 2,670 2,814 4,583 4,245 3,992 4,321 4,695 4,726
Gross profit 1,988 1,996 2,053 2,137 2,153 2,184 2,118 1,935 1,719 1,688 1,644 1,672 2,235 2,080 2,022 2,080 2,272 2,348
EBITDA 362 367 357 386 323 272 −931 11 11 124 314 293 348 202 214 343 275 317
Operating income 296 304 291 313 247 193 −1,008 −67 −63 56 254 237 281 149 163 292 223 260
Net income 168 172 163 180 129 96 −954 −105 7 8 174 208 135 12 −5 123 73 111
Diluted EPS $2.52 $2.60 $2.64 $3.03 $2.33 $1.81 −$17.97 −$1.98 $0.12 $0.16 $3.10 $3.73 $2.02 $0.21 −$0.09 $2.21 $1.25 $1.90
Growth (year on year)
Revenue −4.6% −0.7% +5.5% +6.7% +0.6% +2.1% +3.8% −9.6% −8.8% −1.6% +0.4% +5.4% +62.9% −7.4% −6.0% +8.2% +8.7% +3.2%
EBITDA +4.3% +1.4% −2.9% +8.4% −16.3% −15.8% −442.2% — — — +152.7% −6.8% +18.7% −42.0% +6.2% +59.9% −19.6% +1.3%
Operating income +8.0% +2.5% −4.1% +7.4% −21.1% −21.7% −621.0% — — — +352.2% −6.5% +18.2% −47.1% +9.6% +79.1% −23.4% +6.1%
Net income +20.2% +2.3% −4.8% +10.1% −28.5% −25.1% <−999% — — — — +19.9% −35.2% −90.8% — — −40.7% —
Diluted EPS +21.2% +3.2% +1.5% +14.8% −23.1% −22.3% <−999% — — — — +20.3% −45.8% −89.6% — — −43.4% —
Margins
Gross margin 72.2% 73.1% 71.2% 69.5% 69.6% 69.2% 64.6% 65.3% 63.6% 63.5% 61.6% 59.4% 48.8% 49.0% 50.7% 48.1% 48.4% 49.7%
EBITDA margin 13.2% 13.4% 12.4% 12.6% 10.5% 8.6% −28.4% 0.4% 0.4% 4.7% 11.8% 10.4% 7.6% 4.7% 5.4% 7.9% 5.9% 6.7%
Operating margin 10.8% 11.1% 10.1% 10.2% 8.0% 6.1% −30.7% −2.2% −2.3% 2.1% 9.5% 8.4% 6.1% 3.5% 4.1% 6.7% 4.8% 5.5%
Net margin 6.1% 6.3% 5.7% 5.9% 4.2% 3.1% −29.1% −3.5% 0.2% 0.3% 6.5% 7.4% 2.9% 0.3% −0.1% 2.9% 1.6% 2.4%
Free-cash-flow margin 9.5% 4.5% 5.3% 3.8% 0.8% −2.0% 4.6% 9.9% 1.7% 7.5% 7.3% 7.2% 7.2% 9.6% 3.7% 1.1% 5.1% 9.2%
Cash flow
Cash from operations 330 216 287 218 134 19 231 354 111 228 215 237 392 468 200 105 306 499
Capital spending 69 93 133 102 108 84 81 61 65 28 21 35 62 61 53 56 67 65
Free cash flow 261 123 154 115 26 −65 150 293 45 200 194 202 330 407 147 48 239 434
Stock-based pay 4 4 4 8 6 7 10 9 4 6 7 12 148 159 162 36 45 22
Free cash flow after stock pay 258 119 149 107 20 −71 141 284 41 194 187 190 182 248 −15 12 193 412
Balance sheet
Cash 71 71 88 61 42 46 60 95 73 155 70 159 108 144 94 61 121 125
Total debt 711 401 441 388 366 493 426 192 105 0 240 198 1,158 950 881 877 1,137 911
Net debt (negative = net cash) 640 330 353 326 324 447 365 96 32 −155 169 38 1,050 806 787 816 1,016 786
Diluted shares 67m 66m 62m 59m 55m 53m 53m 53m 54m 55m 56m 56m 67m 59m 55m 56m 59m 59m
Returned to shareholders
Dividends 0 8 27 38 47 49 51 26 13 0 14 63 72 79 83 82 88 92
Buybacks 9 85 164 62 217 0 0 — 0 0 1 27 390 75 50 0 0 —
Total returned 9 92 191 100 264 49 51 26 13 0 15 90 462 154 133 82 88 92

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

0 of 1 checks passed · September 30, 2026
  • Short-term assets cover short-term liabilities The company doesn't report a short-term split. Not assessable.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt Cash or debt not separately reported. Not assessable.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
  • Operating profit covers interest at least five times over Operating income of $260m against $105m of interest.

From Upbound Group, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Dividends, buybacks and capital spending

Dividends (TTM)
$91.6M
Buybacks, last 3 fiscal years
$50M
Diluted share count
+1.2%
year over year
Total shareholder yield
6.8%
dividends 6.8% + buybacks 0.0% of market value
Dividend payout ratio
82%
of net income paid out

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated UPBD SOFI OMF FCFS BFH ENVA Median
Revenue, last 12 months $4.7bn $4.3bn $5.2bn $4.3bn $4.0bn $3.7bn $1.6bn
Revenue growth, last 12 months 3.2% 40.8% 8.8% 22.9% 5.5% 20.1% 10.4%
Revenue growth, 3-year average 6.0% 32.5% 7.1% 12.0% −2.4% 21.8% 11.3%
Revenue growth, latest quarter −1.6% 42.5% 10.0% 17.7% 4.7% 25.7% 10.6%
Gross margin 49.7% 83.9% — 50.2% 51.6% 60.6% 58.0%
Operating margin 5.5% — — — 37.6% 24.0% 11.2%
Operating margin, 3-year average 5.7% — — — 27.9% 22.8% 19.8%
Net margin 2.4% 14.8% 14.7% 9.5% 13.4% 10.5% 10.5%
Cash from operations / revenue 10.6% −197.5% 61.7% 15.8% 54.7% 56.2% 22.7%
Free-cash-flow margin 9.2% −204.2% 55.9% 10.0% 52.8% 54.9% 18.4%
Free-cash-flow margin, 3-year average 4.8% −140.1% 55.4% 10.9% 50.6% 55.3% 23.6%
Stock pay / revenue 0.5% 6.6% 0.7% 0.5% 1.5% 1.0% 1.3%
Change in share count 1.2% 15.1% −2.5% −1.6% −13.2% −1.8% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measure Company Peer median Rank
Revenue growth Growth 3.2% 10.4% 29 of 39
Change in growth rate Growth -2.6pp +0.6pp 27 of 38
Operating margin Profitability 5.5% 13.9% 10 of 16
Net margin Profitability 2.4% 10.5% 29 of 39
Stock pay as % of revenue Cash generation 0.5% 1.3% 3 of 36
Change in share count Balance sheet 1.2% -0.0% 25 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Geography
Region Revenue Share YoY
United States $4.6B 98.3% ▲ 8.8%
Mexico $79.4M 1.7% ▲ 0.8%

From Upbound Group, Inc.'s 10-K filed February 23, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$1.2B
Institutions reporting
256
Shares held vs prior quarter
▲ 3.4%
Positions opened / closed
36 / 17

Top buyers and sellers, Q2 2026: 143 institutions bought and 86 sold ; the biggest buyer was Goldman Sachs Group Inc (+1.0M shares) and the biggest seller Ieq Capital, LLC (−2.1M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $194M 9.2M 15.8% ▲ 11.5%
Vanguard Portfolio Management LLC $89.9M 4.2M 7.3% ▲ 7.5%
FMR LLC $70.3M 3.3M 5.7% ▼ 38.7%
Dimensional Fund Advisors LP $58.2M 2.7M 4.7% ▲ 14.6%
State Street Corp $53.3M 2.5M 4.3% ▲ 7.5%
Goldman Sachs Group Inc $51.1M 2.4M 4.2% ▲ 74.9%
Vanguard Capital Management LLC $49.4M 2.3M 4.0% ▲ 2.3%
LSV Asset Management $48.4M 2.3M 3.9% ▼ 1.4%
Ieq Capital, LLC $37.6M 1.8M 3.1% ▼ 54.7%
Geode Capital Management, LLC $31.2M 1.5M 2.5% ▲ 8.3%
Bragg Financial Advisors, Inc $25.2M 1.2M 2.1% ▲ 5.9%
Charles Schwab Investment Management Inc $24.5M 1.2M 2.0% ▼ 8.9%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Upbound Group, Inc.'s complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $182,563 8 trades by 1 insider, last 12 months Insider sales History → $188,500 1 trade by 1 insider · 0% under pre-set plans
Net ▼ $5,937 net selling
Insider Date Trade Shares Price Value
Brown Jeffrey J Director October 27, 2026 Buy 2,217 $17.01 $37,711
Brown Jeffrey J Director October 27, 2026 Buy 547 $17.01 $9,304
Blasquez Anthony J EVP-RAC August 21, 2026 Sell 10,000 $18.85 $188,500
Brown Jeffrey J Director July 7, 2026 Buy 454 $20.09 $9,121
Brown Jeffrey J Director July 7, 2026 Buy 1,841 $20.09 $36,986
Brown Jeffrey J Director April 28, 2026 Buy 1,868 $19.41 $36,258
Brown Jeffrey J Director April 28, 2026 Buy 461 $19.41 $8,948
Brown Jeffrey J Director January 6, 2026 Buy 495 $17.68 $8,752
Brown Jeffrey J Director January 6, 2026 Buy 2,007 $17.68 $35,484

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around February 18, 2027 estimated from the company's past filing pattern, not announced

  • October 29, 2026
  • July 30, 2026
  • April 30, 2026
  • February 19, 2026
  • October 30, 2025
  • July 31, 2025

Recent SEC filings

Data status

When each part of this page on Upbound Group, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Upbound Group, Inc. in brief

What does Upbound Group, Inc. do?
Upbound Group, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Upbound Group, Inc.'s stock ticker?
Upbound Group, Inc. trades under the ticker UPBD on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Upbound Group, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Upbound Group, Inc. reported revenue of $4.7B, 3.2% higher than a year earlier, according to its SEC filings.
What is Upbound Group, Inc.'s free cash flow?
Upbound Group, Inc.'s free-cash-flow margin is 9.2% of revenue over the trailing twelve months.
Who are Upbound Group, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Portfolio Management LLC and FMR LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Upbound Group, Inc.'s market cap?
On November 2, 2026, Upbound Group, Inc.'s market capitalisation was about $1.3B, with a price-to-earnings ratio of 12.0 and net debt of $786M. Market figures come from third-party market data and may be delayed.
Does Upbound Group, Inc. pay a dividend?
Yes: Upbound Group, Inc. paid $91.6M in dividends over the trailing twelve months, a dividend yield of 6.83% and a payout ratio of 82.3%.
Who are Upbound Group, Inc.'s competitors?
In our Consumer Finance peer group, the companies closest to Upbound Group, Inc. are SoFi Technologies, Inc., Onemain Holdings, Inc., Firstcash Holdings, Inc., Bread Financial Holdings, Inc. and Enova International, Inc. The side-by-side comparison below sets their revenue, margins and growth against Upbound Group, Inc.'s.
Are insiders buying or selling Upbound Group, Inc. stock?
Over the last 12 months, Upbound Group, Inc.'s directors and officers reported 8 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Upbound Group, Inc.'s next earnings date?
Around February 18, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Upbound Group, Inc. announces its own schedule.