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Upbound Group

UPBD Nasdaq Computer & Electronics Retail Financials FY2016–FY2025

Upbound Group's revenue rose 8.7% to $4.7 billion in fiscal 2025. Its operating margin was 4.8%, down from 6.8% a year earlier. Free cash flow was $239 million, up 392.7%. It paid out $88 million in dividends and buybacks, 37% of free cash flow. The diluted share count rose 4.8%.

Last close · Oct 23, 2026

$17.08

1.7%
Value it Compare
Revenue Total sales reported in the income statement.
$4.7B
8.7% vs prior year
Operating margin Operating income as a share of revenue.
4.8%
2.0 pts
Net income Profit after all expenses, interest and tax.
$73.2M
40.7%
Free cash flow Cash from operations minus capital spending.
$239M
392.7%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$1.0B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
11.1x
On $1.54 EPS (TTM)

What Upbound Group does

No business description yet.

Legal name
Upbound Group, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
—
Accession · CIK
0000933036-26-000008
0000933036

Revenue and margins

Upbound Group had $4.7B of revenue in fiscal 2025, up 8.7% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $239M in fiscal 2025, 5.1% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Upbound Group returned $87.9M to shareholders in fiscal 2025, 37% of free cash flow. The diluted share count rose 4.8%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Upbound Group yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Discounted cash flow

Value per share

—

Adds net cash of — and divides by 58.6M diluted shares. Ten years of cash flows plus a terminal value, discounted to today.

Earnings multiple

Value per share

—

Reference multiples: today 11.1x · peers 18.3x · sector 17.9x.

Balance sheet

Cash, debt and the ratios that show how comfortably Upbound Group can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $108M$144M$93.7M$60.9M$121M
Interest coverage 4.0x1.7x1.4x2.6x2.0x
Total assets $3.0B$2.8B$2.7B$2.6B$3.3B
Total liabilities $2.5B$2.2B$2.2B$2.0B$2.6B
Shareholders' equity $513M$525M$560M$629M$696M
Net debt (− = net cash) —————

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.1M

1 insider

Sold, 12 months

$0.2M

1 insider

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 21, 2026 Anthony J BlasquezEvp-rac Sold 10,000 $18.85 $0.2M Form 4
Jul 7, 2026 Jeffrey J BrownDirector Bought 2,295 $20.09 $0.0M Form 4
Apr 28, 2026 Jeffrey J BrownDirector Bought 2,329 $19.41 $0.0M Form 4
Jan 6, 2026 Jeffrey J BrownDirector Bought 2,502 $17.68 $0.0M Form 4

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY23FY24FY25
Net income is positive ✕ ✓ ✓
Cash from operations is positive ✓ ✓ ✓
Return on assets rose ✕ ✓ ✕
Cash from operations exceeds net income ✓ ✕ ✓
Debt fell relative to assets — — —
Current ratio rose — — —
Share count didn't rise ✓ ✕ ✕
Gross margin rose ✓ ✕ ✓
Revenue rose relative to assets ✓ ✓ ✓
F-score — / 9— / 9— / 9
Accruals ratio −7.5%0.7%−7.8%
Altman Z'' ———

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Upbound Group UPBD $1.0B 8.7% 4.8% 5.1% — 11.1x —
GameStop GME $14.7B −5.1% 6.4% 16.5% — 16.3x 6 Compare →
Best Buy BBY $21.2B 0.4% 3.3% 3.0% 43.9% 16.6x 7 Compare →
Floor & Decor FND $5.2B 5.1% 5.8% 1.4% 9.3% 22.3x 6 Compare →
Five Below FIVE $12.4B 22.9% 9.6% 8.6% 26.9% 20.0x 7 Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $3.0B $2.7B $2.7B $2.7B $2.8B $4.6B $4.2B $4.0B $4.3B $4.7B
Gross profit $1.9B $1.7B $1.7B $1.6B $1.7B $2.2B $2.1B $2.0B $2.1B $2.3B
Operating income −$66.6M −$63.1M $56.1M $254M $237M $281M $149M $163M $292M $223M
Interest expense $47.2M $46.0M $43.0M $31.0M $15.3M $70.9M $87.7M $113M $111M $113M
Pretax income −$113M −$110M $13.8M $224M $223M $194M $61.5M $52.9M $178M $108M
Income tax −$8.1M −$117M $5.3M $50.2M $14.7M $59.4M $49.1M $58.0M $54.1M $34.8M
Net income −$105M $6.7M $8.5M $174M $208M $135M $12.4M −$5.2M $124M $73.2M
Diluted EPS −$1.98 $0.12 $0.16 $3.10 $3.73 $2.02 $0.21 −$0.09 $2.21 $1.25
Diluted shares 0.05B 0.05B 0.05B 0.06B 0.06B 0.07B 0.06B 0.06B 0.06B 0.06B
Cash flow
Cash from operations $354M $111M $228M $215M $237M $392M $469M $200M $105M $306M
Capital expenditure $61.1M $65.5M $28.0M $21.2M $34.5M $62.4M $61.4M $53.4M $56.3M $66.9M
Free cash flow $293M $45.1M $200M $194M $202M $330M $407M $147M $48.5M $239M
Depreciation and amortization $79.5M $78.6M $68.9M $61.3M $56.7M $170M $53.1M $51.3M $50.9M $52.0M
Stock-based compensation $9.2M $3.9M $6.0M $7.0M $12.3M $148M $159M $162M $36.1M $45.4M
Acquisitions $3.1M $2.5M $2.0M $28.9M $0.7M $1.3B $1.0M $0.0M $1.4M $279M
Share buybacks $0.0M $0.0M $0.0M $1.3M $26.6M $390M $75.1M $50.0M $0.0M $0.0M
Dividends paid $25.6M $12.8M $0.0M $13.7M $63.1M $71.5M $79.2M $83.1M $82.3M $87.9M
Dividends and buybacks $25.6M $12.8M $0.0M $15.0M $89.7M $462M $154M $133M $82.3M $87.9M
Balance sheet
Cash and short-term investments $95.4M $73.0M $155M $70.5M $159M $108M $144M $93.7M $60.9M $121M
Total debt $192M — — — — — — — — —
Finance lease liabilities $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Inventory $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Property and equipment, net $316M $283M $226M $166M $142M $308M $295M $273M $254M $310M
Total assets $1.6B $1.4B $1.4B $1.6B $1.8B $3.0B $2.8B $2.7B $2.6B $3.3B
Total liabilities $1.3B $1.1B $1.1B $1.1B $1.2B $2.5B $2.2B $2.2B $2.0B $2.6B
Shareholders' equity $265M $272M $287M $459M $592M $513M $525M $560M $629M $696M
Margins
Gross margin 65.3% 63.6% 63.5% 61.6% 59.4% 48.8% 49.0% 50.7% 48.2% 48.4%
Operating margin −2.3% −2.3% 2.1% 9.5% 8.4% 6.1% 3.5% 4.1% 6.8% 4.8%
EBITDA margin 0.4% 0.6% 4.7% 11.8% 10.5% 9.8% 4.8% 5.4% 7.9% 5.9%
Net margin −3.6% 0.3% 0.3% 6.5% 7.4% 2.9% 0.3% −0.1% 2.9% 1.6%
FCF margin 9.9% 1.7% 7.5% 7.3% 7.2% 7.2% 9.6% 3.7% 1.1% 5.1%
Returns
Return on capital −9.5% — — — — — — — — —
Return on equity −32.4% 2.5% 3.0% 46.6% 39.6% 24.4% 2.4% −1.0% 20.8% 11.1%
Return on assets −5.9% 0.4% 0.6% 11.7% 12.5% 5.7% 0.4% −0.2% 4.6% 2.5%
Growth
Revenue growth −9.6% −8.8% −1.6% 0.4% 5.4% 62.9% −7.4% −6.0% 8.2% 8.7%
Net income growth — — 27.6% 1,943.6% 19.9% −35.2% −90.8% −141.9% — −40.7%
EPS growth — — 33.3% 1,837.5% 20.3% −45.8% −89.6% −142.9% — −43.4%
FCF growth 95.1% −84.6% 342.7% −2.7% 4.0% 63.3% 23.4% −63.9% −67.0% 392.7%
Share count change 0.1% 1.4% 1.3% 2.6% −0.4% 19.9% −11.8% −6.8% 1.7% 4.8%
Financial health
Net debt / EBITDA 7.5x — — — — — — — — —
Debt / equity 0.7x — — — — — — — — —
Interest coverage −1.4x −1.4x 1.3x 8.2x 15.5x 4.0x 1.7x 1.4x 2.6x 2.0x
Capital allocation
Capex / revenue 2.1% 2.4% 1.1% 0.8% 1.2% 1.4% 1.5% 1.3% 1.3% 1.4%
Stock comp / revenue 0.3% 0.1% 0.2% 0.3% 0.4% 3.2% 3.8% 4.1% 0.8% 1.0%
Payouts / FCF 8.7% 28.4% 0.0% 7.7% 44.4% 140.0% 37.9% 90.6% 169.9% 36.8%
Quality scores
Accruals ratio −25.7% −6.9% −15.6% −2.8% −1.7% −10.9% −15.9% −7.5% 0.7% −7.8%

Source: SEC EDGAR XBRL filings (CIK 0000933036). Data updated October 20, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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