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Upbound Group, Inc. key statistics and ratios

In fiscal 2025, Upbound Group, Inc. had return on equity of 11.1%, an operating margin of 4.8% and debt equal to 163.4% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

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

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Gross margin72.2%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%
Operating margin10.8%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 margin6.1%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 margin9.5%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%
Return on equity13.5%13.2%12.1%12.8%9.2%7.1%−107.6%−32.4%2.5%3.0%46.6%39.6%24.4%2.4%−1.0%20.8%11.1%15.4%
Return on assets6.9%6.7%6.0%6.4%4.4%3.1%−36.4%−5.9%0.4%0.6%11.6%12.5%5.7%0.4%−0.2%4.6%2.5%3.5%
Asset turnover1.131.061.051.091.051.001.251.661.791.891.791.691.931.471.461.611.581.49
Debt to equity57.0%29.6%32.4%26.5%27.4%35.5%111.0%72.4%38.8%0.0%52.2%33.4%225.7%180.8%157.2%139.5%163.4%121.5%
Interest cover (operating income ÷ interest)11.1x11.3x7.8x9.8x6.2x4.0xn/mn/mn/m1.3x8.2x15.5x4.0x1.7x1.4x2.6x2.0x2.5x
Effective tax rate37.9%37.5%35.8%36.1%8.0%32.3%———38.6%22.4%6.6%30.6%79.9%—30.5%32.2%29.1%
Capital spending as % of revenue2.5%3.4%4.6%3.3%3.5%2.7%2.5%2.1%2.4%1.1%0.8%1.2%1.4%1.4%1.3%1.3%1.4%1.4%
Free cash flow ÷ net income155.7%71.9%94.2%64.1%20.2%−67.1%——677.5%>999%111.9%97.0%244.4%>999%—39.2%325.9%389.2%
Dividends ÷ net income0.0%4.5%16.5%21.0%36.4%50.5%——192.6%0.0%7.9%30.3%53.0%640.8%—66.7%120.0%82.3%
Dividends and buybacks ÷ free cash flow3.4%74.8%124.1%86.4%>999%—34.0%8.7%28.4%0.0%7.7%44.4%139.9%37.9%90.6%169.9%36.8%21.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

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.

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.

Compare with peers

Head to head: SOFI vs UPBDOMF vs UPBDFCFS vs UPBD

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Upbound Group, Inc.'s SEC filings (10-K and 10-Q), retrieved October 30, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Upbound Group, Inc.