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Upbound Group, Inc.

UPBD Technology Software Application

Upbound Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, up 8.67% from fiscal 2024.

Revenue
−1.59%
EPS
+156.5%
Free cash flow
+112.1%
Total debt
−12.8%

Quarter to September 2026, against a year earlier

24.84 0.70 +2.90%
Market cap
$1.5B
P/E
12.9×
Fwd P/E
7.9×
Dividend yield
6.28%
F-score
4/9
Altman Z
2.76
Beneish M
−2.52
Dividend safety
53/100
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 1.53
Sold, $m 0.19
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 — — 1 — — 1 — — 1 7
Sell — — — — — — — — 1 — — —
Insider Ownership 4.22%

Capital & Financial Ratios $m

Size
Market Cap 1,450.00
Revenue ttm 4,725.76
Net income ttm 111.39
Free cash flow ttm 434.49
Net debt Q 1,222.35
Valuation
P/E 12.87
Forward P/E 7.86
Price / sales 0.31
Forward P/S Powerpack
Price / FCF 3.33
Price / book 1.93
Financial health
Current ratio Q 3.17 (at or above 1.5: strong)
Debt / equity Q 1.80
Interest coverage Q 2.84
Growth
Revenue growth Q −1.59% (below 0%: shrinking)
Operating income growth Q +34.93% (above 0%: growing)
EPS, this year +2.14%
EPS, next year A +9.21%
Revenue, next year A +0.34%
EPS, past 5 yrs −19.64% (below 0%: weak)
EPS, next 5 yrs A +8.56%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 0.6×, against a ten-year median of 0.6×; over the ten years it ranged from 0.4× in 2020 to 1.5× in 2021.
P/E against its own 10 years 34.94%
10-year low 10-year high
P/S against its own 10 years 46.39%
10-year low 10-year high
P/B against its own 10 years 25.08%
10-year low 10-year high
EV/Sales against its own 10 years 46.83%
10-year low 10-year high
EV/FCF against its own 10 years 22.92%
10-year low 10-year high

Dividends raised 4 years running

Yield
6.28%
Annual rate
1.56
Payout ratio
82.1%
Growth, 2016–25
+23.1%/yr
  1. 0.24 ’16
  2. 0.24 ’17 +0
  3. 0.25 ’19 +4
  4. 1.47 ’20 +488
  5. 1.27 ’21 −14
  6. 1.36 ’22 +7
  7. 1.39 ’23 +2
  8. 1.50 ’24 +8
  9. 1.56 ’25 +4
  10. 1.57 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 94 61 121 125
Receivables 111 156 203 206
Inventory 1,234 1,249 1,317 1,187
Other — — — —
1,489 1,520 1,794 1,694
2023 2024 2025 Q'26
Payables 177 115 154 125
ST’ Debt — — — —
Other — — — —
500 420 615 534

Compound Annual Growth %

10y 5y 3y
Sales 3.66% 10.78% 3.41%
Cash Flow 2.84% 5.26% (13.27%)
Earnings 0.00% (18.85%) 80.97%
Book Value 6.13% 3.28% 9.83%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.89 Actual 1.01

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.97 1.01 Beat by 0.04
Q1 FY26 1.06 1.08 Beat by 0.02
Q2 FY26 1.07 1.07 Met by 0.00
Q3 FY26 0.89 1.01 Beat by 0.12
Q4 FY26 1.07 — Reports 18 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.37 0.58 — —
’25 0.42 0.26 0.22 0.34 1.25
’24 0.50 0.61 0.55 0.55 2.21
’23 0.84 (0.83) 0.08 (0.21) (0.09)
’22 (0.08) 0.33 (0.10) 0.05 0.21
’21 0.64 0.90 0.31 0.15 2.02
’20 0.88 0.70 1.15 1.00 3.73
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,220 1,163 1,146 — —
’25 1,176 1,158 1,165 1,196 4,695
’24 1,096 1,077 1,069 1,079 4,321
’23 1,016 979 979 1,018 3,992
’22 1,160 1,071 1,024 990 4,245
’21 1,037 1,194 1,181 1,171 4,583
’20 702 684 712 716 2,814
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 171 123 163 — —
’25 148 26 90 42 306
’24 45 15 106 (62) 105
’23 105 37 78 (20) 200
’22 205 82 125 56 468
’21 136 115 76 66 392
’20 47 207 42 (60) 237
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 155 108 147 — —
’25 137 8 69 24 239
’24 34 1 106 (74) 67
’23 96 25 63 (34) 149
’22 189 67 106 44 407
’21 124 101 55 50 330
’20 38 202 34 (57) 216
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 2,963 2,703 2,660 2,670 2,814 4,583 4,245 3,992 4,321 4,695 4,726 +5.2% 4,711 4,867 5,119 +2.9%
Gross margin, % 65.30 63.59 63.45 61.58 59.42 48.76 48.98 50.65 48.15 48.39 49.69 (16.9) pt
EBT (113) (110) 14 224 223 194 61 53 178 108 157 n/m
EBT margin, % (3.82) (4.08) 0.52 8.38 7.92 4.24 1.45 1.32 4.11 2.30 3.32 +6.1 pt
Net income (105) 7 8 174 208 135 12 (5) 123 73 111 n/m
Per share, $
Per share, $ Revenue 55.78 50.72 49.76 49.15 51.93 80.34 78.84 72.62 79.05 83.13 81.09 +4.5%
Earnings (1.98) 0.12 0.16 3.19 3.84 2.37 0.23 (0.09) 2.26 1.30 1.93 n/m
Cash flow 6.67 2.07 4.25 3.97 4.36 6.88 8.70 3.64 1.92 5.41 8.56 (2.3%)
Capex (1.05) (1.14) (0.05) 0.89 (0.37) (1.09) (1.14) (0.93) (0.69) (1.18) (1.10) +1.3%
Free cash flow 5.61 0.93 4.21 4.86 3.99 5.78 7.56 2.72 1.23 4.23 7.46 (3.1%)
Book value 4.99 5.11 5.36 8.45 10.93 9.00 9.75 10.19 11.51 12.32 12.87 +10.6%
Shares, m 53 53 53 54 54 57 54 55 55 56 58 +0.7%
Valuation, ×
Valuation, × P/E 0.00 95.27 101.19 9.04 9.95 20.44 92.63 0.00 12.91 13.61 12.87 35.5
P/S 0.21 0.21 0.33 0.59 0.74 0.60 0.28 0.47 0.37 0.21 0.31 0.4
P/B 2.33 2.05 3.02 3.41 3.50 5.34 2.28 3.33 2.53 1.43 1.93 2.9
EV/Sales 0.42 0.43 0.47 0.65 0.75 0.92 0.57 0.77 0.66 0.52 0.57 0.6
EV/FCF 4.18 23.30 5.56 6.54 9.73 12.74 5.95 20.62 42.35 10.22 6.15 14.1
Cash, $m
Cash, $m Operating cash flow 354 111 228 215 237 392 468 200 105 306 499 (1.6%)
Capex (56) (61) (3) 49 (20) (62) (61) (51) (38) (67) (64) +2.0%
Free cash flow 298 50 225 264 216 330 407 149 67 239 434 (2.4%)
Balance, $m
Balance, $m Working capital 782 688 658 607 736 1,174 1,034 989 1,101 1,178 1,160 +4.7%
Net debt 629 600 385 160 31 1,463 1,225 1,213 1,249 1,449 1,222 +9.7%
Shareholders’ equity 265 272 287 459 592 513 525 560 629 696 750 +11.3%
Returns, %
Returns, % ROA (5.88) 0.44 0.60 11.65 12.49 5.69 0.43 (0.19) 4.60 2.47 3.56 +8.4 pt
ROIC (4.66) (4.52) 5.23 25.62 23.81 8.87 5.31 5.74 9.71 6.51 8.24 +11.2 pt
ROE (32.44) 2.48 3.04 46.56 39.60 24.42 2.38 (0.95) 20.76 11.06 15.50 +43.5 pt
People
People Employees 21,600 18,300 14,000 14,500 14,320 14,290 12,690 12,970 11,970 12,050 — (6.3%)
Revenue/emp, $m 0.14 0.15 0.19 0.18 0.20 0.32 0.33 0.31 0.36 0.39 — +12.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Upbound Group, Inc. vs peers in Software Application (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
EVCM EverCommerce Inc. $1.5B 46.1× 39.3× +2.70% (above 0%: growing) +25.00% (above 0%: growing) +3.41% (above 0%: growing) 78.61% 11.49% Compare
UPBD Upbound Group, Inc. $1.5B 12.9× 7.9× −1.59% (below 0%: shrinking) +156.52% (above 0%: growing) +112.11% (above 0%: growing) 50.62% 6.21%
ALKT Alkami Technology, Inc. $1.4B — (loss-making) — (loss-making) +19.44% (above 0%: growing) n/m −29.65% (below 0%: shrinking) 57.50% (4.63%) Compare
LSPD Lightspeed Commerce Inc. $1.4B — (loss-making) — (loss-making) +5.82% (above 0%: growing) n/m −23,170.13% (below 0%: shrinking) 42.94% (1.72%) Compare
IBTA Ibotta, Inc. $1.4B — (loss-making) — (loss-making) +17.49% (above 0%: growing) n/m +58.39% (above 0%: growing) 79.85% 4.83% Compare
PD PagerDuty $1.3B 7.9× 35.3× +0.83% (above 0%: growing) −45.45% (below 0%: shrinking) +8.53% (above 0%: growing) 83.90% 8.23% Compare
WRD WeRide Inc. $1.3B — (loss-making) — (loss-making) +92.37% (above 0%: growing) n/m −92.28% (below 0%: shrinking) 37.49% (182.09%) Compare
SECZ Securitize Corp. $1.2B 217× — — n/m +100.00% (above 0%: growing) — 0.00% Compare
RDVT Red Violet, Inc. $1.2B 59.3× 74.2× +20.22% (above 0%: growing) +16.67% (above 0%: growing) +21.04% (above 0%: growing) 85.52% 20.77% Compare
Median of peers $1.3B 52.7× 39.3× +17.49% +16.67% +5.97% 78.61% 2.42%

All 230 Software Application stocks →

Pay and ownership Proxy statement filed 21 April 2026

Ownership

Directors and executive officers, together 1.20%
BlackRock, Inc. 13.50%
FMR LLC 8.90%
IEQ Capital, LLC 7.80%
Aaron Allred 7.00%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Upbound Group, Inc. (UPBD) Latest News

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stockrow.com/UPBD · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com