Upbound Group (UPBD) Stock Insights
UPBD$16.96+0.01 +0.08%
$988.98M
Market Cap
10.74
P/E
4.08
Forward P/E
55
Score
Upbound Group (UPBD) Stock Insights
UPBD price $16.96 +0.01 +0.08%
- Ticker
- UPBD
- Price
- $16.96
- Change
- +0.01 +0.08%
- Market cap ?
- $988.98M
- P/E ?
- 10.74
- Forward P/E ?
- 4.08
- Dividend yield ?
- 9.13%
- Beta ?
- 1.78
- Sector
- Technology
- Industry
- Software - Application
- Stocklytics score
- 55
- Value
- 87
- Quality
- 30
- Growth
- 47
Stocklytics score rationale: value 87, quality 30, growth 47.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 2963252000 | 2702540000 | 2660465000 | 2669852000 | 2814191000 | 4583451000 | 4245392000 | 3992413000 | 4320564000 | 4695061000 |
Upbound Group, Inc., which rebranded from Rent-A-Center, Inc. in February 2023, operates as a diversified retail and financial technology platform. Its core business involves providing household durable goods to consumers in the United States, Puerto Rico, and Mexico through a lease-to-own model. The company's operations are divided into four main segments: Rent-A-Center Business, Acima, Mexico, and Franchising…
Fair value
UPBD fair value $61.64. Price $16.96. Price is 72% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 95% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 355.95M. Growth 9.62%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 12.00% (beta 1.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 58.30M. Net debt 1.74B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-10-29 | — | 0.91 | — | 1.12B |
| 2026-07-30 | 1.07 | 1.05 | 1.16B | 1.16B |
| 2026-04-30 | 1.08 | 1.06 | 1.22B | 1.23B |
| 2026-02-19 | 1.01 | 0.97 | 1.20B | 1.17B |
| 2025-10-30 | 1.00 | 0.98 | 1.16B | 1.18B |
| 2025-07-31 | 1.12 | 1.05 | 1.16B | 1.15B |
| 2025-05-01 | 1.00 | 0.94 | 1.18B | 1.15B |
| 2025-02-20 | 1.05 | 1.03 | 1.08B | 1.13B |
| 2024-10-31 | 0.95 | 0.89 | 1.07B | 1.06B |
| 2024-08-01 | 1.04 | 1.02 | 1.08B | 1.03B |
| 2024-05-02 | 0.79 | 0.77 | 1.10B | 1.05B |
| 2024-02-22 | 0.81 | 0.77 | 1.02B | 994.07M |
| 2023-11-02 | 0.79 | 0.75 | 979.10M | 968.56M |
| 2023-08-03 | 1.11 | 0.72 | 979.16M | 973.89M |
| 2023-05-04 | 0.83 | 0.66 | 1.02B | 994.07M |
| 2023-02-23 | 0.86 | 0.74 | 990.46M | 990.45M |
| 2022-11-02 | 0.94 | 0.89 | 1.02B | 1.01B |
| 2022-08-03 | 1.15 | 0.99 | 1.07B | 1.07B |
| 2022-05-04 | 0.74 | 0.71 | 1.16B | 1.11B |
| 2022-02-23 | 1.08 | 1.61 | 1.17B | 1.20B |
| 2021-11-03 | 1.52 | 1.54 | 1.18B | — |
| 2021-08-04 | 1.63 | 1.35 | 1.19B | — |
| 2021-05-05 | 1.32 | 1.12 | 1.04B | — |
| 2021-02-24 | 1.03 | 1.02 | 716.49M | — |
| 2020-10-28 | 1.04 | 1.02 | 712.01M | — |
| 2020-08-05 | 0.80 | 0.60 | 683.75M | — |
| 2020-05-06 | 0.67 | 0.58 | 701.94M | — |
| 2020-02-24 | 0.58 | 0.57 | 667.86M | — |
| 2019-11-06 | 0.47 | 0.50 | 649.37M | — |
| 2019-08-07 | 0.60 | 0.55 | 655.92M | — |
| 2019-05-06 | 0.59 | 0.32 | 696.69M | — |
| 2019-02-25 | 0.32 | 0.20 | 661.75M | — |
| 2018-11-05 | 0.32 | 0.28 | 644.94M | — |
| 2018-07-30 | 0.47 | 0.24 | 655.73M | — |
| 2018-04-30 | -0.08 | 0.08 | 698.04M | — |
| 2018-02-20 | -0.41 | -0.07 | 638.95M | — |
| 2017-10-30 | -0.15 | -0.02 | 643.97M | — |
| 2017-07-26 | -0.17 | 0.08 | 677.63M | — |
| 2017-05-01 | 0.04 | 0.01 | 741.99M | — |
| 2017-02-14 | -0.23 | -0.24 | 684.10M | — |
Dividends
Yield 9.20%. Payout ratio 100.05%. Frequency Quarterly.
Safety score 58/100 · Moderate. Payout ratio is 100% of earnings, above what earnings cover. Dividends use less than 40% of free cash flow. Dividends were paid in 16 separate years. Yield is 9.2%, high enough that the payout may be hard to keep.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2026-10-06 | $0.39 | 2026-10-06 | 2026-10-27 | Quarterly |
| 2026-06-16 | $0.39 | 2026-06-16 | 2026-07-07 | Irregular |
| 2026-04-07 | $0.39 | 2026-04-07 | 2026-04-28 | Quarterly |
| 2025-12-17 | $0.39 | 2025-12-17 | 2026-01-06 | Quarterly |
| 2025-09-30 | $0.39 | 2025-09-30 | 2025-10-21 | Quarterly |
| 2025-06-17 | $0.39 | 2025-06-17 | 2025-07-08 | Irregular |
| 2025-04-02 | $0.39 | 2025-04-02 | 2025-04-22 | Quarterly |
| 2024-12-18 | $0.39 | 2024-12-18 | 2025-01-07 | Quarterly |
| 2024-10-01 | $0.37 | 2024-10-01 | 2024-10-22 | Quarterly |
| 2024-06-18 | $0.37 | 2024-06-18 | 2024-07-09 | Quarterly |
| 2024-04-02 | $0.37 | 2024-04-03 | 2024-04-22 | Quarterly |
| 2023-12-18 | $0.37 | 2023-12-19 | 2024-01-09 | Quarterly |
| 2023-10-02 | $0.34 | 2023-10-03 | 2023-10-24 | Quarterly |
| 2023-06-16 | $0.34 | 2023-06-20 | 2023-07-11 | Quarterly |
| 2023-04-04 | $0.34 | 2023-04-05 | 2023-04-24 | Quarterly |
| 2022-12-19 | $0.34 | 2022-12-20 | 2023-01-10 | Quarterly |
| 2022-10-03 | $0.34 | 2022-10-04 | 2022-10-25 | Quarterly |
| 2022-06-17 | $0.34 | 2022-06-21 | 2022-07-12 | Quarterly |
| 2022-04-04 | $0.34 | 2022-04-05 | 2022-04-22 | Quarterly |
| 2021-12-15 | $0.34 | 2021-12-16 | 2022-01-13 | Quarterly |
| 2021-09-27 | $0.31 | 2021-09-28 | 2021-10-19 | Quarterly |
| 2021-06-21 | $0.31 | 2021-06-22 | 2021-07-13 | Quarterly |
| 2021-04-05 | $0.31 | 2021-04-06 | 2021-04-22 | Quarterly |
| 2020-12-14 | $0.31 | 2020-12-15 | 2021-01-12 | Quarterly |
| 2020-10-06 | $0.29 | 2020-10-07 | 2020-10-26 | Quarterly |
| 2020-07-09 | $0.29 | 2020-07-10 | 2020-07-28 | Quarterly |
| 2020-05-15 | $0.29 | 2020-05-18 | 2020-06-01 | Quarterly |
| 2020-01-03 | $0.29 | 2020-01-06 | 2020-01-29 | Quarterly |
| 2019-09-20 | $0.25 | 2019-09-23 | 2019-10-09 | Irregular |
| 2017-06-29 | $0.08 | 2017-07-03 | 2017-07-20 | Quarterly |
| 2017-03-30 | $0.08 | 2017-04-03 | 2017-04-20 | Quarterly |
| 2017-01-03 | $0.08 | — | — | Quarterly |
| 2016-09-29 | $0.08 | — | — | Quarterly |
| 2016-06-30 | $0.08 | — | — | Quarterly |
| 2016-03-31 | $0.08 | — | — | Quarterly |
| 2015-12-30 | $0.24 | — | — | Quarterly |
| 2015-09-29 | $0.24 | — | — | Quarterly |
| 2015-06-30 | $0.24 | — | — | Quarterly |
| 2015-03-31 | $0.24 | — | — | Quarterly |
| 2014-12-30 | $0.24 | — | — | Quarterly |
| 2014-09-30 | $0.23 | — | — | Quarterly |
| 2014-06-30 | $0.23 | — | — | Quarterly |
| 2014-04-01 | $0.23 | — | — | Quarterly |
| 2013-12-31 | $0.23 | — | — | Quarterly |
| 2013-09-27 | $0.21 | — | — | Quarterly |
| 2013-06-28 | $0.21 | — | — | Quarterly |
| 2013-04-02 | $0.21 | — | — | Quarterly |
| 2012-12-31 | $0.21 | — | — | Quarterly |
| 2012-09-27 | $0.16 | — | — | Quarterly |
| 2012-06-28 | $0.16 | — | — | Quarterly |
| 2012-04-02 | $0.16 | — | — | Quarterly |
| 2011-12-30 | $0.16 | — | — | Quarterly |
| 2011-10-05 | $0.16 | — | — | Quarterly |
| 2011-06-29 | $0.16 | — | — | Quarterly |
| 2011-04-04 | $0.06 | — | — | Quarterly |
| 2011-01-03 | $0.06 | — | — | Quarterly |
| 2010-11-03 | $0.06 | — | — | Quarterly |
| 2010-08-10 | $0.06 | 2010-08-12 | 2010-08-26 | Irregular |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-01 | Jain Charu | Buy | 2.09K | $15.70 | 32.80K |
| 2026-10-01 | MARINO GLENN P | Buy | 2.07K | $15.70 | 32.50K |
| 2026-10-01 | Young Scott A. | Buy | 160.86K | — | — |
| 2026-10-01 | LANGENSTEIN MOLLY | Buy | 2.30K | $15.70 | 36.08K |
| 2026-10-01 | BROWN JEFFREY J | Buy | 6.22K | $15.70 | 97.65K |
| 2026-09-22 | Chakraborty Devpratim | Other | 0 | — | — |
| 2026-09-22 | Chakraborty Devpratim | Other | 66.31K | — | — |
| 2026-09-22 | Chakraborty Devpratim | Other | 0 | — | — |
| 2026-09-22 | Young Scott A. | Other | 0 | — | — |
| 2026-09-01 | Pfirrman Christopher Keith | Buy | 82.75K | — | — |
| 2026-09-01 | Montrone Ralph T. | Buy | 33.23K | — | — |
| 2026-09-01 | Montrone Ralph T. | Buy | 99.68K | — | — |
| 2026-09-01 | Wooters Rebecca | Buy | 158.22K | — | — |
| 2026-09-01 | Taylor Transient C | Buy | 67.29K | — | — |
| 2026-09-01 | Taylor Transient C | Buy | 22.43K | — | — |
| 2026-09-01 | Blasquez Anthony J | Buy | 98.89K | — | — |
| 2026-09-01 | Blasquez Anthony J | Buy | 32.96K | — | — |
| 2026-09-01 | Kumar Balaji | Buy | 130.30K | — | — |
| 2026-09-01 | Karam Fahmi | Buy | 767.84K | — | — |
| 2026-09-01 | Khouri Halim | Buy | 178.00K | — | — |
| 2026-08-21 | Blasquez Anthony J | Sell | 10.00K | $18.85 | 188.50K |
| 2026-08-03 | Pfirrman Christopher Keith | Other | 0 | — | — |
| 2026-07-07 | LANGENSTEIN MOLLY | Buy | 758 | — | — |
| 2026-07-07 | BROWN JEFFREY J | Buy | 2.52K | — | — |
| 2026-07-07 | BROWN JEFFREY J | Buy | 1.84K | $20.09 | 36.99K |
| 2026-07-07 | BROWN JEFFREY J | Buy | 454 | $20.09 | 9.12K |
| 2026-07-07 | McFate Carol A. | Buy | 197 | — | — |
| 2026-07-07 | Jain Charu | Buy | 600 | — | — |
| 2026-07-07 | MARINO GLENN P | Buy | 1.28K | — | — |
| 2026-07-01 | MARINO GLENN P | Buy | 1.53K | — | — |
| 2026-07-01 | BROWN JEFFREY J | Buy | 4.60K | — | — |
| 2026-07-01 | Jain Charu | Buy | 1.55K | — | — |
| 2026-07-01 | LANGENSTEIN MOLLY | Buy | 1.70K | — | — |
| 2026-04-28 | BROWN JEFFREY J | Buy | 2.64K | — | — |
| 2026-04-28 | BROWN JEFFREY J | Buy | 1.87K | $19.41 | 36.26K |
| 2026-04-28 | BROWN JEFFREY J | Buy | 461 | $19.41 | 8.95K |
| 2026-04-28 | McFate Carol A. | Buy | 206 | — | — |
| 2026-04-28 | MARINO GLENN P | Buy | 1.33K | — | — |
| 2026-04-28 | LANGENSTEIN MOLLY | Buy | 792 | — | — |
| 2026-04-28 | Jain Charu | Buy | 627 | — | — |
| 2026-04-01 | Kumar Balaji | Buy | 14.75K | $18.05 | 266.22K |
| 2026-04-01 | BROWN JEFFREY J | Buy | 5.41K | — | — |
| 2026-04-01 | MARINO GLENN P | Buy | 1.80K | — | — |
| 2026-04-01 | LANGENSTEIN MOLLY | Buy | 2.00K | — | — |
| 2026-04-01 | Jain Charu | Buy | 1.82K | — | — |
| 2026-03-30 | Kumar Balaji | Other | 0 | — | — |
| 2026-02-26 | Karam Fahmi | Sell | 1.21K | $21.54 | 26.08K |
| 2026-02-26 | Blasquez Anthony J | Sell | 485 | $21.54 | 10.45K |
| 2026-02-26 | Montrone Ralph T. | Sell | 874 | $21.54 | 18.83K |
| 2026-02-26 | Taylor Transient C | Sell | 481 | $21.54 | 10.36K |
| 2026-02-26 | Pechersky Bryan J | Sell | 459 | $21.54 | 9.89K |
| 2026-02-24 | Karam Fahmi | Sell | 3.67K | $21.36 | 78.39K |
| 2026-02-24 | Karam Fahmi | Sell | 6.11K | $21.36 | 130.55K |
| 2026-02-24 | Montrone Ralph T. | Sell | 1.03K | $21.36 | 22.02K |
| 2026-02-24 | Montrone Ralph T. | Sell | 1.15K | $21.36 | 24.46K |
| 2026-02-24 | Blasquez Anthony J | Sell | 573 | $21.36 | 12.24K |
| 2026-02-24 | Blasquez Anthony J | Sell | 630 | $21.36 | 13.46K |
| 2026-02-24 | Taylor Transient C | Sell | 558 | $21.36 | 11.92K |
| 2026-02-24 | Taylor Transient C | Sell | 687 | $21.36 | 14.67K |
| 2026-02-24 | Pechersky Bryan J | Sell | 529 | $21.36 | 11.30K |
| 2026-02-24 | Pechersky Bryan J | Sell | 682 | $21.36 | 14.57K |
| 2026-02-23 | Karam Fahmi | Buy | 86.92K | $22.78 | 1.98M |
| 2026-02-23 | Wooters Rebecca | Buy | 17.91K | $22.78 | 407.99K |
| 2026-02-23 | Montrone Ralph T. | Buy | 15.04K | $22.78 | 342.70K |
| 2026-02-23 | Blasquez Anthony J | Buy | 14.93K | $22.78 | 339.99K |
| 2026-02-23 | Khouri Halim | Buy | 20.15K | $22.78 | 458.99K |
| 2026-02-23 | Taylor Transient C | Buy | 21.13K | $22.78 | 481.34K |
| 2026-02-23 | Pechersky Bryan J | Buy | 21.13K | $22.78 | 481.34K |
| 2026-02-10 | Blasquez Anthony J | Buy | 10.97K | $20.70 | 227.00K |
| 2026-02-10 | Blasquez Anthony J | Sell | 3.00K | $20.70 | 62.04K |
| 2026-02-10 | Karam Fahmi | Buy | 43.52K | $20.70 | 900.78K |
| 2026-02-10 | Karam Fahmi | Sell | 17.27K | $20.70 | 357.45K |
| 2026-02-10 | Taylor Transient C | Buy | 6.62K | $20.70 | 136.93K |
| 2026-02-10 | Taylor Transient C | Sell | 2.94K | $20.70 | 60.78K |
| 2026-02-10 | Pechersky Bryan J | Buy | 6.27K | $20.70 | 129.71K |
| 2026-02-10 | Pechersky Bryan J | Sell | 2.80K | $20.70 | 57.92K |
| 2026-02-10 | Montrone Ralph T. | Buy | 10.97K | $20.70 | 227.00K |
| 2026-02-10 | Montrone Ralph T. | Sell | 5.13K | $20.70 | 106.27K |
| 2026-01-06 | MARINO GLENN P | Buy | 1.09K | — | — |
| 2026-01-06 | McFate Carol A. | Buy | 218 | — | — |
| 2026-01-06 | Jain Charu | Buy | 342 | — | — |
| 2026-01-06 | BROWN JEFFREY J | Buy | 2.27K | — | — |
| 2026-01-06 | BROWN JEFFREY J | Buy | 2.01K | $17.68 | 35.48K |
| 2026-01-06 | BROWN JEFFREY J | Buy | 495 | $17.68 | 8.75K |
| 2026-01-06 | LANGENSTEIN MOLLY | Buy | 506 | — | — |
| 2026-01-02 | BROWN JEFFREY J | Buy | 13.82K | — | — |
| 2026-01-02 | LEWIS HAROLD G | Buy | 8.26K | — | — |
| 2026-01-02 | MARINO GLENN P | Buy | 10.11K | — | — |
| 2026-01-02 | McFate Carol A. | Buy | 8.26K | — | — |
| 2026-01-02 | LANGENSTEIN MOLLY | Buy | 10.31K | — | — |
| 2026-01-02 | Jain Charu | Buy | 10.13K | — | — |
| 2025-12-01 | Khouri Halim | Buy | 83.70K | — | — |
| 2025-11-10 | Khouri Halim | Other | 0 | — | — |
| 2025-11-04 | Karam Fahmi | Sell | 12.34K | $20.01 | 246.92K |
| 2025-10-21 | Jain Charu | Buy | 234 | — | — |
| 2025-10-21 | LANGENSTEIN MOLLY | Buy | 358 | — | — |
| 2025-10-21 | McFate Carol A. | Buy | 168 | — | — |
| 2025-10-21 | MARINO GLENN P | Buy | 813 | — | — |
| 2025-10-21 | BROWN JEFFREY J | Buy | 1.66K | — | — |
| 2025-10-21 | BROWN JEFFREY J | Buy | 1.56K | $22.27 | 34.85K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 265, holders +17 vs prior quarter. Ownership 104.31%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACKROCK, INC. | 9.15M | 944.45K | +11.51% | 194.22M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 4.23M | 295.18K | +7.49% | 89.85M |
| FMR LLC | 3.31M | -2.10M | -38.74% | 70.29M |
| DIMENSIONAL FUND ADVISORS LP | 2.74M | 349.96K | +14.61% | 58.24M |
| STATE STREET CORP | 2.47M | 171.99K | +7.49% | 53.32M |
| GOLDMAN SACHS GROUP INC | 2.41M | 1.03M | +74.86% | 51.09M |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.33M | 51.87K | +2.28% | 49.39M |
| LSV ASSET MANAGEMENT | 2.28M | -33.00K | -1.43% | 48.39M |
| IEQ CAPITAL, LLC | 1.77M | -2.13M | -54.65% | 37.56M |
| GEODE CAPITAL MANAGEMENT, LLC | 1.47M | 113.05K | +8.34% | 31.16M |
| BRAGG FINANCIAL ADVISORS, INC | 1.19M | 66.28K | +5.90% | 25.24M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 1.16M | 1.16M | New | 24.52M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 1.16M | -112.66K | -8.88% | 24.52M |
| WELLINGTON MANAGEMENT GROUP LLP | 1.10M | -151.51K | -12.06% | 23.44M |
| HUBER CAPITAL MANAGEMENT LLC | 1.06M | -640.74K | -37.63% | 22.53M |
| MORGAN STANLEY | 1.05M | 263.70K | +33.65% | 22.23M |
| BANK OF NEW YORK MELLON CORP | 888.87K | 33.69K | +3.94% | 18.86M |
| AMERICAN CENTURY COMPANIES INC | 853.18K | 510.23K | +148.78% | 18.10M |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | 831.81K | 94.15K | +12.76% | 17.65M |
| AQR CAPITAL MANAGEMENT LLC | 720.15K | 432.84K | +150.65% | 15.28M |
| MILLENNIUM MANAGEMENT LLC | 709.36K | 529.96K | +295.41% | 15.05M |
| NORTHERN TRUST CORP | 675.06K | 72.90K | +12.11% | 14.32M |
| KENNEDY CAPITAL MANAGEMENT LLC | 652.00K | -17.07K | -2.55% | 13.84M |
| INVESCO LTD. | 579.04K | 47.22K | +8.88% | 12.29M |
| PACER ADVISORS, INC. | 450.92K | 37.92K | +9.18% | 9.57M |
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