UPBD
Upbound Group, Inc.
UPBD's fundamentals are mixed: free cash flow more than tripled, while its operating margin held steady at 5.5%. At 13x earnings, it's trading below its usual 15x. Analysts expect earnings growth.
UPBD Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| Healthy | |
| Strong |
UPBD's profitability, cash flow and balance sheet are currently healthy, and its revenue is stable.
UPBD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 5.3x | $23.88 | — |
| Cheap | 11x | $21.16 | -11% |
| Current | 13x | $23.88 | — |
| Fair | 15x | $28.18 | +18% |
| Expensive | 31x | $59.71 | +150% |
Historical ranges are pointers, not guarantees.
UPBD's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 5.3x next year's earnings, in its cheap range.
UPBD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect UPBD's earnings to grow, with its revenue and profitability holding steady.
UPBD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.52 | +136% |
| Q3 2026 | $1.91 | +32% |
| Q2 2026 | $1.55 | -13% |
| Q1 2026 | $1.44 | -32% |
| Q4 2025 | $1.25 | -43% |
| Q3 2025 | $1.45 | -2% |
| Q2 2025 | $1.78 | +76% |
| Q1 2025 | $2.13 | +$2.56 |
| Q4 2024 | $2.21 | +$2.30 |
UPBD's earnings per share have fallen from their peak: $1.91 over the past year, against $3.86 in early 2020.
UPBD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | -1.6% |
| Q2 2026 | $1.2B | +0.5% |
| Q1 2026 | $1.2B | +3.7% |
| Q4 2025 | $1.2B | +11% |
| Q3 2025 | $1.2B | +9% |
| Q2 2025 | $1.2B | +7.5% |
| Q1 2025 | $1.2B | +7.3% |
| Q4 2024 | $1.1B | +6% |
UPBD's revenue has held roughly level: $1.1B last quarter, down 1.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.2% | +1.7 points |
| Q2 2026 | 4.7% | +0.3 points |
| Q1 2026 | 6.3% | +1 points |
| Q4 2025 | 4.8% | -2.5 points |
| Q3 2025 | 4.5% | -2 points |
| Q2 2025 | 4.4% | -3.1 points |
| Q1 2025 | 5.3% | -0.3 points |
| Q4 2024 | 7.3% | +1.8 points |
UPBD's operating margin was 6.2% last quarter, up 1.7 points from the same quarter a year ago.
UPBD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $147M | +50% |
| Q2 2026 | $107.8M | +$118.2M |
| Q1 2026 | $154.7M | +22% |
| Q4 2025 | $24M | +$98.1M |
| Q3 2025 | $97.9M | +11% |
| Q2 2025 | -$10.4M | -1802% |
| Q1 2025 | $127.2M | +278% |
| Q4 2024 | -$74M | -$37.1M |
UPBD generated $434M in free cash flow over the past year, about three times what it generated the year before.
UPBD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +59K shares |
| 1 year | -0.2% | -123K shares |
| 3 years | +3.4% | +1.9M shares |
| 5 years | -14% | -9.4M shares |
| Available history | +5% | +2.8M shares |
UPBD has 59M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q4 2023 | $26M |
| Q4 2022 | $45.3M |
| Q4 2021 | $370.1M |
| Q3 2021 | $20M |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
UPBD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
UPBD has more cash than debt.
UPBD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.5 | Neutral |
| Stochastic | 86.5 | Overbought |
UPBD's weekly RSI is 66 (neutral) and its Stochastic is 86 (overbought).
UPBD PE vs Technology Sector
| Metric | UPBD | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 28x | 55% below |
| PE % | 33 | 35 | 2 pts below |
UPBD is trading at 13x earnings, a 55% discount to the Technology sector's median of 28x.
UPBD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.7 | 28% above |
| 20 week MA | $19.2 | 24% above |
| 50 week MA | $19.1 | 25% above |
| 100 week MA | $21.7 | 10% above |
| 200 week MA | $26.2 | 8.9% below |
UPBD has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 8.9% below its 200-week average.
UPBD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.5 | $38.2 | +34% |
| 2021 | $38.2 | $48.1 | +26% |
| 2022 | $48.1 | $22.6 | -53% |
| 2023 | $22.6 | $34.0 | +50% |
| 2024 | $34.0 | $29.2 | -14% |
| 2025 | $29.2 | $17.6 | -40% |
| 2026 YTD | $17.6 | $23.9 | +36% |
UPBD is up 36% so far in 2026, after finishing lower in three of the previous six years.