Loading stock…

Upbound Group, Inc. (UPBD) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Upbound Group, Inc.

UPBDMarket cap $0.90BPrice $15.4

Country🇺🇸United States

SectorConsumer

IndustrySpecialty Retail

Runs Rent-A-Center and Acima, letting shoppers rent furniture, electronics, and appliances with no credit checks needed. Turns "can't qualify for financing" into a business model, serving millions who traditional lenders reject.

In Bastion Portfolios?

52W Return-26%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%4

Revenue Forecast

Rev CAGR (1y)+1%3

Rev CAGR (3y)+3%2

Rev CAGR (5y)+3%3

Earnings Forecast

EPS Growth Y+1+226%10

EPS Growth Y+2+9%6

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin7%3

Net Income Margin2%2

Free Cash Flow Margin8%5

Debt

Net Debt/EBITDA2.44

Efficiency

ROE13%6

ROA3%5

Earnings Stability33

GEAR+WEAK22

Overall rating across all five factors

Value

100

Price Multiples

P/E Ratio (Forward)410

P/E Ratio (Forward 3y)310

P/BV1.29

EV Multiples

EV/EBITDA Fwd510

EV/EBIT Fwd710

Yield

Free Cash Flow Yield39.7%10

Dividend Yield10.2%10

Momentum

Short term

1 month return-17%1

3 month return-23%1

YTD return-6%4

Mid term

Price vs 52wHigh68%3

1 year return-19%2

Long term

3 year return-35%1

5 year return-63%1

Risk Shield

Price Risk

Beta1.32

Volatility45%4

Free Cash Flow

Free Cash Flow Margin8%5

Free Cash Flow Yield39.7%10

Quality

ROCE13%7

Earnings Stability33

Net Debt/EBITDA2.44

02Growth

Is it actually growing, and how fast?

UPBDUpbound Group

Revenue FY25$4.7B

GROWTH RATING↗

WEAK22 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+1%3

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+226%10

EPS growth, FY27E+9%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 11%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 78% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK3 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-17%1

3-month return-23%1

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high68%3

1-year return-19%2

3-year return-35%1

5-year return-63%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level so far this year (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-35% over three years and -63% over five), behind 90% of the market.

It's down 19% over the past year, now 32% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-17%) and over three months (-23%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Upbound Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community

Loading charts…

02Growth

Is it actually growing, and how fast?

UPBDUpbound Group

Revenue FY25$4.7B

GROWTH RATING↗

WEAK22 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y+1%3

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+226%10

EPS growth, FY27E+9%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 11%/yr vs revenue 3%/yr), so margins should widen.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 78% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK3 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-17%1

3-month return-23%1

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high68%3

1-year return-19%2

3-year return-35%1

5-year return-63%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level so far this year (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-35% over three years and -63% over five), behind 90% of the market.

It's down 19% over the past year, now 32% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-17%) and over three months (-23%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Upbound Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community