Is Upbound Group (UPBD) overvalued or fairly valued?

MarketChacha shows Upbound Group's valuation in context — a trailing P/E of about 11.2, a forward P/E of about 3.5, a price-to-book of about 1.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Upbound Group's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (3.19×) from reported figures — education, not a rating.

What is Upbound Group's revenue?

Upbound Group reported revenue of $4.7B for FY2025, with net profit of $73.2M, per official filings.

What is the share price of Upbound Group (UPBD)?

Upbound Group last traded at $16.33 (+2.2% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Upbound Group

UPBD · NYSE · Consumer Discretionary · United States

Snapshot

TickerUPBD

ExchangeNYSE

SectorConsumer Discretionary

IndustrySoftware - Application

CountryUnited States

Employees12,050

HeadquartersPlano, United States

Websitewww.upbound.com

Filings tracked16

About Upbound Group

Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was incorporated in 1986 and is based in Plano, Texas.

Who owns it

Insiders3.9%
Institutions96.1%
Public & other0.0%

370 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.15.70%
Vanguard Portfolio Management LLC7.26%
FMR, LLC5.68%
Dimensional Fund Advisors LP4.71%
State Street Corporation4.23%
Goldman Sachs Group Inc4.13%
Vanguard Capital Management LLC3.99%
LSV Asset Management3.91%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion3.19×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend-0.1% → 1.6%

Margin has expanded by about 1.7 points — the business is getting more profitable.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.2B · EPS 1.10

Est. earnings growth +9.2%

Next fiscal year

Rev $4.9B · EPS 4.62

Est. earnings growth +11.1%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$4.7B

Net margin

1.6%

ROE

10.5%

Revenue CAGR (2y)

+8.4%

EPS (FY2025)

1.25

Net profit (FY2025)

$73.2M

Ask MarketChacha about UPBD

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$4.7B	$73.2M	1.25	1.6%	10.5%
FY2024	$4.3B	$123.5M	2.21	2.9%	19.6%
FY2023	$4.0B	$-5.2M	-0.09	-0.1%	-0.9%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$1.2B	$21.6M	0.37	1.9%
2026Q1	$1.2B	$35.8M	0.61	2.9%
2025Q3	$1.2B	$13.2M	0.22	1.1%
2025Q2	$1.2B	$15.5M	0.26	1.3%
2025Q1	$1.2B	$24.8M	0.42	2.1%
2024Q3	$1.1B	$30.9M	0.55	2.9%
2024Q2	$1.1B	$33.9M	0.61	3.2%
2024Q1	$1.1B	$27.7M	0.50	2.5%
2023Q3	$979.1M	$4.4M	0.08	0.4%
2023Q2	$979.2M	$-45.6M	-0.83	-4.7%
2023Q1	$1.0B	$47.3M	0.84	4.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/31/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/30/2026material
8-K — Other events
SEC7/22/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC6/3/2026material
8-K — Executive/director change
SEC5/19/2026material
10-Q filing
SEC5/1/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/30/2026material
10-K filing
SEC2/23/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC2/19/2026material

2025

8-K — Exhibits
SEC11/21/2025material
10-Q filing
SEC10/31/2025
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC10/30/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/30/2025material
8-K — Material agreement, Material financial obligation, Exhibits
SEC8/19/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/31/2025material
10-Q filing
SEC7/31/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.