Upbound Group

Upbound Group

Consumer Finance
Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has three operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions across e-commerce, digital, and mobile channels, Mexico segment offers lease-to-own stores in Mexico. The franchising segment offers the sale of rental merchandise to its franchisees. The company derives a majority of its revenue from the Acima segment.

$1.3B

Market Cap • 11/2/2026

1986

(40 years)

Founded

1995

(31 years ago)

IPO

NASDAQ

Listing Exchange

Flag of United States

United States

Country

Valuation

P/B

1,8

P/S

0,3

P/EBITDA

0,8

P/OCF

2,5

P/FCF

2,9

P/E

12

BVPS

12,9

EPS

1,9

Market Cap

Market Cap

1,3B

EV

2,8B

EV/Revenue

0,6

EV/EBITDA

1,6

EV/EBIT

10,9

Payout

Dividend Per Share

1,6

Dividend Yield

6,8%

Buyback Yield

0,3%

Total Yield

7,2%

Dividend Yield 5Y

6,5%

Payout

82,3%

Retained Earnings

1B

Profitability

Gross Margin

49,7%

EBITDA Margin

37,3%

EBIT Margin

5,5%

Net Margin

4,3%

D&A/EBITDA

3,2%

R&D/Revenue

0%

Capex/Revenue

1,4%

Capex/D&A

4,3%

Capex/OCF

12,4%

SBC/OCF

8,6%

% PPE

18,4%

% Goodwill

16%

ROE

28,2%

ROIC

10,5%

Growth

CAGR Revenue 5Y

2,7%

CAGR Op. Income 5Y

-2,7%

CAGR Net Income 5Y

-5,8%

CAGR EPS 5Y

-7,8%

CAGR OCF 5Y

14,6%

Leverage

N.D./EBITDA

0,9

Debt/Equity

0%

Current Ratio

3,1

Quick Ratio

0,6

Interest Coverage

246,6%

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