Upbound Group, Inc. (UPBD) AI Stock Analysis

Upbound Group, Inc. operates as a provider of lease-to-own household durable goods across the United States, Puerto Rico, and Mexico. The company operates through four segments: Rent-A-Center, Acima, Mexico, and Franchising. It offers merchandise including furniture, mattresses, tires, consumer electronics, appliances, tools, handbags, computers, smartphones, and accessories to consumers who may not qualify for traditional financing. Transactions are facilitated through store-based locations, staffed or unstaffed kiosks within third-party retailers, retail installment sales stores under Get It Now and Home Choice banners, and virtual platforms including rentacenter.com.

Over the five-year period from FY2020 to FY2025, Upbound Group generated a revenue compound annual growth rate of 10.8%. Annual revenue reached $4.58B in FY2021 before declining 7.4% in FY2022 to $4.25B and falling 6.0% in FY2023 to $3.99B. Top-line performance rebounded with an 8.2% increase in FY2024 to $4.32B and an 8.7% rise in FY2025 to $4.70B. Net income moved from $134.9M in FY2021 to -$5.2M in FY2023, before recovering to $123.5M in FY2024 and $73.2M in FY2025. In the latest quarter ended June 30, 2026, revenue increased 0.5% year-over-year, while quarterly earnings grew 42.3% year-over-year.

As of June 30, 2026, Upbound Group held $105.3M in cash and short-term investments alongside total debt of $1.71B, resulting in net debt of $1.60B. Shareholders' equity was $733.4M against total assets of $3.10B, yielding a debt-to-equity ratio of 2.33 and a current ratio of 0.87. In FY2025, the company generated $305.6M in operating cash flow, which funded $66.9M in capital expenditures and $87.9M in dividends paid.

With a market cap of $954.4M and enterprise value of $2.58B, Upbound Group trades at a trailing P/E of 10.6x and a forward P/E of 3.5x. These multiples are lower than the median of its US-listed Technology peers, which show a trailing P/E of 28.1x and forward P/E of 18.8x. Its EV-to-EBITDA multiple stands at 1.5x compared to the peer median of 16.6x. Over the past year, the stock fell 17.3%, trailing the S&P 500 return of 16.8%. Over five years, the stock dropped 58.1% versus an 83.0% gain for the index benchmark.

Upbound Group pays a quarterly dividend with an annual forward dividend of $1.56, representing a dividend yield of 9.52% as of October 16, 2026. The company has paid dividends for 8 consecutive years and has a 5-year annualized dividend growth rate of 1.2%. The dividend is supported by a payout ratio of 37.5%, with $87.9M in dividends paid in FY2025.

Analyst coverage consists of 4 Strong Buy, 1 Buy, and 1 Hold ratings, with zero Sell or Strong Sell ratings. The mean price target is $27.50, representing a 68.0% premium over the last close of $16.37. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $4.73B and EPS of $4.16. Upbound Group has beaten EPS estimates in 2 of the last 4 quarters, and its next earnings release is scheduled for October 29, 2026.

This page is an AI-written research summary of Upbound Group, Inc. (UPBD). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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