Fool - Investing News·Jun 28, 2026
2 Dividend Stocks to Buy Even as New Fed Chair Kevin Warsh Holds Interest Rates SteadyThese stocks, packing healthy payouts, are even better buys with the Fed's decision not to raise rates earlier this month.
Upbound Group, Inc.(UPBD)Earnings, Financials & Key Ratios
UPBD•NASDAQ
$20.51
16.4× P/E·Price updated Jul 7, 2026
AboutUpbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company operates in four segments: Rent-A-Center Business, Acima, Mexico, and Franchising. The company's brands, such as Rent-A-Center and Acima that facilitate consumer transactions across a range of store-based and virtual channels. It offers furniture comprising mattresses, tires, consumer electronics, appliances, tools, handbags, computers, smartphones, and accessories. The company also provides merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer through kiosks located within retailer's locations. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchised lease-to-own stores under the Rent-A-Centre, ColorTyme, and RimTyme names; and company-owned stores and e-commerce platform through rentacenter.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was founded in 1960 and is headquartered in Plano, Texas.Show more
- Revenue$4.7B+8.7%
- EBITDA$275M-19.6%
- Net Income$73M-40.7%
- EPS (Diluted)1.25-43.4%
- Gross Margin34.45%-28.5%
- EBITDA Margin5.86%-26.0%
- Operating Margin4.76%-29.5%
- Net Margin1.56%-45.4%
- ROE11.06%-46.7%
UPBD Price & Volume
Upbound Group, Inc. (UPBD) stock price & volume — 10-year historical chart
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Margin Volatility Challenges Upbound's Fintech Pivot
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Strained
Financial:Strained
Cash Flow:Mixed
Primary Risk:Subprime credit and leverage
Key Thesis Takeaways
- Upbound Group faces a complex transition as it attempts to scale its Acima fintech model while managing significant volatility in its core lease-to-own operations.
- While revenue growth remains stable at 3.7% to 10.9% over the last ten quarters, the company's profitability is hindered by inconsistent operating margins and high stock-based compensation, which reached $45.4 million in 2025Q4.
- Investors should remain cautious regarding the sustainability of cash flows and the potential for goodwill impairment given the $488.2 million balance sheet exposure as of 2026Q1.
Verdict Logic
while the forward P/E of 4.87 and 7.3% dividend yield appear attractive, the significant liquidity risk evidenced by a 0.73 current ratio and historical earnings volatility warrants a wait-and-see approach.
UPBD Growth Metrics
Upbound Group, Inc. (UPBD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.66%
5 Years10.78%
3 Years3.41%
TTM7.67%
Profit CAGR
10 Years-
5 Years-18.85%
3 Years80.97%
TTM-30.14%
EPS CAGR
10 Years-
5 Years-19.64%
3 Years81.23%
TTM-32.86%
Return on Capital
10 Years8.87%
5 Years10.34%
3 Years10.29%
Last Year9.53%
UPBD Recent Earnings
Upbound Group, Inc. (UPBD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$1.08+1.9%
$1.06
Rev
$1.2B-0.5%
$1.2B
Q1 2026
Feb 19, 2026Metric
Actual
Est
EPS
$1.01+4.1%
$0.97
Rev
$1.2B+2.1%
$1.2B
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$1.00+2.0%
$0.98
Rev
$1.2B-0.9%
$1.2B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$1.12+6.7%
$1.05
Rev
$1.2B+1.0%
$1.1B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $1.08vs $1.06+1.9% | $1.2Bvs $1.2B-0.5% |
| Q1 2026 | Feb 19, 2026 | $1.01vs $0.97+4.1% | $1.2Bvs $1.2B+2.1% |
| Q4 2025 | Oct 30, 2025 | $1.00vs $0.98+2.0% | $1.2Bvs $1.2B-0.9% |
| Q3 2025 | Jul 31, 2025 | $1.12vs $1.05+6.7% | $1.2Bvs $1.1B+1.0% |
Based on last 12 quarters of dataView full earnings history →
Latest UPBD News
Recent stock market news and headlines for Upbound Group, Inc. (UPBD)
GlobeNewsWire·Jun 23, 2026
Upbound Launches Modelplane: The Open Source Control Plane for AI InferenceSAN FRANCISCO, June 23, 2026 (GLOBE NEWSWIRE) -- Upbound , the company behind Crossplane , today released Modelplane , an open source control plane for AI inference fleets. Modelplane is designed to do for AI inference what Crossplane did for cloud infrastructure: provide a vendor-neutral, open source orchestration layer that unifies fragmented, heterogeneous environments under a single system of control.
Seeking Alpha·Jun 22, 2026
Upbound Group Is Not A Value Trap YetUpbound Group, Inc. trades at a deep discount, with a 4.4x forward P/E and 8%+ dividend yield, despite positive cash flow and growth guidance. Upbound's valuation reflects skepticism about its non-prime consumer exposure, Acima's negative GMV, and Brigit's evolving credit risk profile. Q1 results showed $136 million in free cash flow, reduced leverage to 2.6x EBITDA, and maintained dividend coverage, countering value-trap concerns.
Peers Comparison
Key metrics vs top competitors for Upbound Group, Inc. (UPBD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $20.51 | $1.19B | 16.41 | 8.67% | 1.56% | 11.06% | 7.31% | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $223.25 | $9.85B | 30.09 | 8.04% | 9.14% | 15.91% | — | |
| $41.88 | $393.54M | 9.41 | 9.7% | 7.4% | 13.16% | — | |
| $37.12 | $2.41B | 6.56 | -6.52% | 1.08% | 5.6% | — |
Compare UPBD vs Peers
Upbound Group, Inc. (UPBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UPBD SEC Filings & Documents
Upbound Group, Inc. (UPBD) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 30, 2026·SEC
Material company update
Feb 19, 2026·SEC
Material company update
Nov 21, 2025·SEC
10-K Annual Reports
210-Q Quarterly Reports
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UPBD Frequently Asked Questions
Upbound Group, Inc. (UPBD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Upbound Group, Inc.'s revenue?
Upbound Group, Inc. (UPBD) reported $4.74B in revenue for fiscal year 2025. This represents a 1891% increase from $238.0M in 1996.
How fast is Upbound Group, Inc. growing?
Upbound Group, Inc. (UPBD) grew revenue by 8.7% over the past year. This is steady growth.
Is UPBD profitable?
Yes, Upbound Group, Inc. (UPBD) is profitable, generating $84.2M in net income for fiscal year 2025 (1.6% net margin).
Dividend & Returns
Does UPBD pay dividends?
Yes, Upbound Group, Inc. (UPBD) pays a dividend with a yield of 7.31%. This makes it attractive for income-focused investors.
What is UPBD's return on equity?
Upbound Group, Inc. (UPBD) has a return on equity (ROE) of 11.1%. This is reasonable for most industries.
What is Upbound Group, Inc.'s free cash flow?
Upbound Group, Inc. (UPBD) generated $349.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.