📊 UPBD Key Takeaways
Is Upbound Group, Inc.. (UPBD) a Good Investment?
Despite solid 8.7% revenue growth, net income collapsed 40.7% YoY and earnings per share fell 43.4%, signaling severe margin compression or operational deterioration. With dangerously thin 1.6% net margins, weak 2.0x interest coverage, and a 47-point gap between gross (48.4%) and net margins, the company faces structural profitability challenges that outweigh the benefits of strong free cash flow generation.
Why Buy Upbound Group, Inc.. Stock? UPBD Key Strengths
- Strong free cash flow of $238.7M (5.1% margin) provides liquidity cushion independent of declining profits
- Conservative leverage with 0.28x debt-to-equity ratio and manageable $191.8M long-term debt
- Healthy 48.4% gross margin demonstrates underlying product-level pricing power and cost control
UPBD Stock Risks: Upbound Group, Inc.. Investment Risks
- Severe net income decline of 40.7% YoY amid 8.7% revenue growth indicates margin compression or hidden operational costs not explained by revenue dynamics
- Critically thin 1.6% net margin and weak 2.0x interest coverage create acute vulnerability to cost inflation, rate increases, or demand softening
- Massive 47-point margin leakage between gross margin (48.4%) and net margin (1.6%) suggests operational inefficiency, high SG&A, or unsustainable interest expense burden
Key Metrics to Watch
- Net margin trend and operating expense breakdown - identify root cause of profit collapse
- Interest expense and debt service sustainability relative to operating cash flow
- Operating cash flow stability - validate whether $305.6M level persists or was artificially inflated by working capital changes
Upbound Group, Inc.. (UPBD) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UPBD Profit Margin, ROE & Profitability Analysis
UPBD vs Industrial Sector: How Upbound Group, Inc.. Compares
How Upbound Group, Inc.. compares to Industrial sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Upbound Group, Inc.. Stock Overvalued? UPBD Valuation Analysis 2026
Based on fundamental analysis, Upbound Group, Inc.. has mixed fundamental signals relative to the Industrial sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Upbound Group, Inc.. Balance Sheet: UPBD Debt, Cash & Liquidity
UPBD Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Upbound Group, Inc..'s revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $-0.09 indicates the company is currently unprofitable.
UPBD Revenue Growth, EPS Growth & YoY Performance
UPBD Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.1B | $13.2M | $0.22 |
| Q2 2025 | $1.1B | $15.5M | $0.26 |
| Q1 2025 | $1.1B | $24.8M | $0.42 |
| Q3 2024 | $979.1M | $4.4M | $0.08 |
| Q2 2024 | $979.2M | $1.7M | $0.03 |
| Q1 2024 | $1.0B | $27.7M | $0.50 |
| Q3 2023 | $979.1M | -$4.2M | $0.08 |
| Q2 2023 | $979.2M | $1.7M | $0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Upbound Group, Inc.. Dividends, Buybacks & Capital Allocation
UPBD SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Upbound Group, Inc.. (CIK: 0000933036)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775162614.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775162240.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775162161.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775162070.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775161990.xml | View → |
❓ Frequently Asked Questions about UPBD
What is the AI rating for UPBD?
Upbound Group, Inc.. (UPBD) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UPBD's key strengths?
Claude: Strong free cash flow of $238.7M (5.1% margin) provides liquidity cushion independent of declining profits. Conservative leverage with 0.28x debt-to-equity ratio and manageable $191.8M long-term debt.
What are the risks of investing in UPBD?
Claude: Severe net income decline of 40.7% YoY amid 8.7% revenue growth indicates margin compression or hidden operational costs not explained by revenue dynamics. Critically thin 1.6% net margin and weak 2.0x interest coverage create acute vulnerability to cost inflation, rate increases, or demand softening.
What is UPBD's revenue and growth?
Upbound Group, Inc.. reported revenue of $4.7B.
Does UPBD pay dividends?
Upbound Group, Inc.. pays dividends, with $87.9M distributed to shareholders in the trailing twelve months.
Where can I find UPBD SEC filings?
Official SEC filings for Upbound Group, Inc.. (CIK: 0000933036) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UPBD's EPS?
Upbound Group, Inc.. has a diluted EPS of $1.25.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UPBD a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Upbound Group, Inc.. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UPBD stock overvalued or undervalued?
Valuation metrics for UPBD: ROE of 10.5% (sector avg: 15%), net margin of 1.6% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy UPBD stock in 2026?
Our dual AI analysis gives Upbound Group, Inc.. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UPBD's free cash flow?
Upbound Group, Inc..'s operating cash flow is $305.6M, with capital expenditures of $66.9M. FCF margin is 5.1%.
How does UPBD compare to other Industrial stocks?
Vs Industrial sector averages: Net margin 1.6% (avg: 10%), ROE 10.5% (avg: 15%), current ratio N/A (avg: 1.8).