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Upbound Group, Inc.
NASDAQ: UPBD Technology IT 🔎 Screen
$1.1B
Market Cap
14.0
P/E
0.25
PEG
12.9%
ROCE
21.6%
ROE
2.67
D/E
4.8%
OPM
-22.9%
% from 52W High
29
α RS
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🌏 Global Investor Returns
Currency-adjusted total returns for UPBD including FX impact
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📈 Price History
Ratio Health
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About

Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico.

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📈 Growth Pattern
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⭐ Superinvestors Holding UPBD
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Manager Shares Value % of Fund Period
Steve Cohen Point72 Asset Management 173.6K $3.1M 0.00% Mar 2026
Jim Simons Renaissance Technologies LLC 63.9K $1.2M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-30
Q2 2026 saw modest revenue growth, strong cash flow, and stable portfolio health despite macro headwinds and a cyber incident in Acima. Brigit and Rent-A-Center delivered growth, while Acima managed losses and improved margins. Full-year guidance was narrowed, with free cash flow expectations raised.
Q1 2026 Q1 2026 2026-04-30
Q1 2026 results met targets with 3.7% revenue growth and strong cash flow, despite macro headwinds. Brigit and Acima showed robust performance, while Rent-A-Center stabilized. Guidance for 2026 is reaffirmed, with continued focus on digital transformation and disciplined capital allocation.
Q4 2025 Q4 2025 2026-02-19
Record 2025 revenue and EBITDA growth were driven by the Brigit acquisition, digital innovation, and strong segment execution. 2026 guidance projects continued revenue and cash flow growth, with a focus on disciplined risk management and technology investment.
Q3 2025 Q3 2025 2025-10-30
Q3 saw 9% revenue growth and 5.7% higher adjusted EBITDA, led by Acima and Brigit, despite macro headwinds. Acima’s GMV rose 11% but faced higher loss rates, while Brigit’s revenue jumped 40%. Guidance for 2025 remains strong, with a focus on innovation, risk management, and capital discipline.
Q2 2025 Q2 2025 2025-07-31
Q2 2025 saw 7.5% revenue and 7% adjusted EBITDA growth, led by Acima and Brigit, while Rent-A-Center faced a 4% same-store sales decline due to underwriting changes. Guidance was raised, legal accruals addressed, and digital innovation continued to drive segment performance.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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