Upbound Group Inc.

Upbound Group Inc.

UPBD · NASDAQ · Technology / Software - Application

25.09USD+1.21 (+5.07%)

Price History

Full chart

Market Stats

Previous Close23.88
Open23.83
Day Range23.60 – 25.12
52-Week Range14.83 – 23.10
Volume1.76M
Market Cap920.55M
P/E (TTM)10.46
Forward P/E3.46
EPS1.51
Dividend Yield9.70%
Beta1.77
50-Day Avg19.01
200-Day Avg19.09

About

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.

Company Details

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Fahmi Karam CPA
  • Employees12.05K
  • Headquarters5501 Headquarters Drive, Plano, TX, United States, 75024, USA
  • Websitehttps://www.upbound.com

Leadership

  • Mr. Fahmi Karam CPACEO & Director · b. 1978
  • Mr. Hal Khouri CPAExecutive VP & CFO · b. 1970
  • Mr. Anthony J. BlasquezExecutive Vice President of Rent-A-Center Business · b. 1977
  • Mr. Tyler MontroneExecutive Vice President of Acima · b. 1982

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue74.40M133.30M238.00M327.50M809.70M1.42B1.60B1.81B2.01B2.23B2.31B2.34B2.43B2.91B2.88B2.75B2.73B2.88B3.08B3.10B3.16B3.28B2.96B2.70B2.66B2.67B2.81B4.58B4.25B3.99B4.32B4.70B
Growth (%)-+79.17%+78.54%+37.61%+147.24%+75.03%+13.01%+12.92%+11.14%+10.85%+3.82%+1.12%+4.05%+19.40%-0.76%-4.58%-0.74%+5.51%+6.96%+0.70%+1.73%+3.82%-9.61%-8.80%-1.56%+0.35%+5.41%+62.87%-7.38%-5.96%+8.22%+8.67%
Cost of Revenue1.70M2.90M28.70M41.60M56.20M858.60M79.21M123.79M137.59M122.92M1.90B1.99B2.04B2.46B2.47B2.32B2.28B829.67M948.73M954.74M973.43M1.16B1.03B984.00M972.30M1.03B1.14B2.35B2.17B1.97B2.24B2.42B
Gross Profit72.70M130.40M209.30M285.90M753.50M558.60M1.52B1.68B1.87B2.11B416.21M350.93M394.37M444.64M416.55M431.92M452.28M2.05B2.13B2.15B2.18B2.12B1.94B1.72B1.69B1.64B1.67B2.24B2.08B2.02B2.08B2.27B
Gross Margin97.72%97.82%87.94%87.30%93.06%39.42%95.05%93.16%93.15%94.48%17.99%15.00%16.20%15.30%14.44%15.70%16.56%71.21%69.22%69.24%69.17%64.61%65.30%63.59%63.45%61.58%59.42%48.76%48.98%50.65%48.15%48.39%
Operating Expense63.40M110.60M178.30M244.00M651.30M368.50M1.28B1.50B1.52B290.35M133.26M101.16M172.43M240.40M142.21M135.60M148.51M1.76B1.82B1.90B1.99B3.13B2.00B1.78B1.63B1.39B1.43B1.95B1.93B1.86B1.79B2.05B
Operating Income9.30M19.80M31.00M41.90M102.20M190.10M244.63M184.59M350.45M1.81B282.95M249.77M221.94M204.24M274.34M296.32M303.77M293.16M318.47M246.17M193.46M-1.01B-66.60M-63.06M56.14M253.86M237.34M280.54M148.54M162.87M291.63M223.35M
Operating Margin12.50%14.85%13.03%12.79%12.62%13.41%15.27%10.21%17.43%81.45%12.23%10.68%9.12%7.03%9.51%10.77%11.12%10.17%10.33%7.93%6.13%-30.74%-2.25%-2.33%2.11%9.51%8.43%6.12%3.50%4.08%6.75%4.76%
EBITDA32.10M54.60M82.60M114.10M301.02M516.60M608.08M598.65M783.20M2.30B789.57M780.84M750.68M298.08M372.86M300.00M326.82M363.28M397.34M326.99M277.60M-927.49M13.44M14.39M166.68M316.13M294.77M435.01M283.05M290.54M339.01M1.74B
EBITDA Margin43.15%40.96%34.71%34.84%37.18%36.45%37.97%33.10%38.96%103.42%34.13%33.38%30.84%10.26%12.93%10.90%11.96%12.60%12.89%10.53%8.79%-28.29%0.45%0.53%6.27%11.84%10.47%9.49%6.67%7.28%7.85%36.97%
Net Income5.50M10.70M18.00M25.90M24.80M59.40M103.03M66.22M172.17M181.50M155.85M135.74M103.09M76.27M139.62M167.85M171.64M164.64M183.49M128.24M96.42M-866.63M-113.27M6.65M8.49M173.55M208.12M134.94M12.36M-5.18M123.48M73.24M
Net Income Margin7.39%8.03%7.56%7.91%3.06%4.19%6.43%3.66%8.57%8.15%6.74%5.80%4.24%2.62%4.84%6.10%6.28%5.71%5.95%4.13%3.05%-26.43%-3.82%0.25%0.32%6.50%7.40%2.94%0.29%-0.13%2.86%1.56%
R&D-----------------------------9.22M--
R&D as % of Total Revenue-----------------------------0.23%--
Interest Expense-------------94.78M66.24M26.79M26.77M37.23M32.06M39.63M52.06M49.33M47.18M46.00M42.97M31.03M15.32M70.87M87.71M113.42M110.58M112.98M
Interest Expense % of Total Revenue-------------3.26%2.30%0.97%0.98%1.29%1.04%1.28%1.65%1.50%1.59%1.70%1.62%1.16%0.54%1.55%2.07%2.84%2.56%2.41%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets37.00M147.30M174.50M208.90M1.50B1.49B1.49B1.62B1.62B1.83B1.97B1.95B2.74B2.63B2.50B2.44B2.69B2.80B2.87B3.02B3.28B1.99B1.60B1.42B1.40B1.58B1.75B2.99B2.76B2.72B2.65B3.28B
Total Liabilities27.70M50.80M49.00M56.10M1.09B1.01B896.31M1.21B773.65M1.04B1.17B1.13B1.80B1.68B1.42B1.20B1.33B1.44B1.40B1.68B1.89B1.52B1.34B1.15B1.11B1.12B1.16B2.48B2.24B2.16B2.02B2.58B
Total Equity9.30M96.50M125.50M152.80M414.40M477.60M590.60M405.38M842.40M794.83M794.27M823.43M942.96M947.09M1.08B1.25B1.35B1.36B1.47B1.34B1.39B470.48M264.93M272.44M286.52M458.96M592.08M513.28M525.15M560.37M628.98M695.74M
Cash1.40M35.30M5.90M4.70M33.80M21.70M36.49M107.96M85.72M143.94M58.83M57.63M92.34M97.38M87.38M101.80M70.73M88.06M61.09M42.27M46.13M60.36M95.40M72.97M155.39M70.49M159.45M108.33M144.14M93.70M60.86M120.53M
Total Debt23.40M40.80M19.00M27.20M805.70M847.20M741.05M702.51M521.33M698.00M708.25M724.05M1.29B1.26B947.09M711.16M701.11M740.67M687.50M916.27M1.04B968.37M724.23M672.89M540.04M515.95M300.39M1.69B1.48B1.60B1.58B1.86B
Net Debt22.00M5.50M13.10M22.50M771.90M825.50M704.56M594.55M435.61M554.06M649.42M666.42M1.20B1.16B859.71M609.36M630.39M652.61M626.41M874.00M996.69M908.01M628.83M599.92M384.65M445.46M125.91M188.20M161.41M1.51B1.52B1.74B

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.20M5.20M19.40M28.80M6.40M-29.30M191.56M175.73M294.49M342.41M331.03M187.90M187.36M240.38M384.34M330.12M216.49M286.63M217.90M134.34M19.11M230.99M354.07M110.53M227.50M215.42M236.50M392.30M468.46M200.29M104.72M305.57M
Investing Cash Flow-1.60M-24.70M-36.30M-40.60M-968.80M-27.60M-79.07M-106.66M-96.70M-181.30M-232.49M-96.04M-740.41M-117.57M-71.49M-72.94M-167.18M-159.25M-110.73M-129.63M-96.67M-90.08M-58.98M-63.35M-4.69M20.76M-20.61M-1.34B-62.33M-50.96M-41.51M-403.73M
Financing Cash Flow-4.60M53.40M-12.50M10.60M991.40M44.80M-97.67M2.39M-220.02M-102.90M-183.66M-93.06M587.77M-117.78M-323.23M-245.06M-81.33M-109.84M-134.46M-23.12M82.85M-124.39M-259.71M-70.54M-140.31M-321.63M-126.68M892.85M-370.71M-202.12M-93.52M156.47M
Capital Expenditure1.70M3.50M8.10M40.90M969.50M36.20M37.94M57.53M37.60M55.99M72.10M60.23M84.41M101.96M61.93M68.84M93.01M132.71M102.45M108.37M83.78M80.87M61.14M65.46M27.96M21.16M34.55M62.45M61.39M53.40M56.27M66.86M
Free Cash Flow4.50M1.70M11.30M-12.10M-963.10M-65.50M153.63M118.20M256.89M286.43M258.93M127.67M102.95M138.42M322.40M261.28M123.48M153.92M115.44M25.98M-64.67M150.12M292.93M45.07M199.54M194.26M201.96M329.85M407.07M146.89M48.45M238.71M
Dividends Paid500.00K1.50M--------------7.80M26.89M37.87M46.81M48.66M51.01M25.55M12.81M-13.71M63.12M71.50M79.19M83.06M82.30M87.86M
FCF to OCF72.58%32.69%58.25%-42.01%-15048.44%223.55%80.20%67.26%87.23%83.65%78.22%67.95%54.95%57.58%83.89%79.15%57.04%53.70%52.98%19.33%-338.37%64.99%82.73%40.78%87.71%90.18%85.39%84.08%86.90%73.34%46.26%78.12%
Dividend Paid to FCF11.11%88.24%--------------6.32%17.47%32.80%180.21%-75.25%33.98%8.72%28.42%-7.06%31.25%21.68%19.45%56.54%169.88%36.81%

Earnings

Report DateMar 31, 1998Jul 28, 1998Nov 3, 1998Feb 16, 1999May 3, 1999Aug 2, 1999Oct 27, 1999Feb 9, 2000May 1, 2000Jul 24, 2000Oct 30, 2000Feb 6, 2001Apr 25, 2001Jul 31, 2001Nov 12, 2001Feb 11, 2002Apr 29, 2002Jul 30, 2002Oct 28, 2002Feb 10, 2003Apr 28, 2003Jul 28, 2003Oct 27, 2003Feb 9, 2004Apr 26, 2004Jul 26, 2004Oct 25, 2004Feb 7, 2005Apr 25, 2005Jul 25, 2005Oct 24, 2005Feb 6, 2006Apr 24, 2006Jul 24, 2006Oct 30, 2006Feb 5, 2007Apr 30, 2007Jul 30, 2007Oct 29, 2007Feb 4, 2008Apr 28, 2008Jul 28, 2008Oct 27, 2008Feb 2, 2009Apr 27, 2009Jul 27, 2009Oct 26, 2009Feb 1, 2010Apr 26, 2010Jul 26, 2010Oct 25, 2010Jan 31, 2011Apr 25, 2011Jul 25, 2011Oct 24, 2011Jan 30, 2012Apr 23, 2012Jul 23, 2012Oct 22, 2012Jan 28, 2013Apr 22, 2013Jul 22, 2013Oct 21, 2013Jan 27, 2014Apr 21, 2014Jul 21, 2014Oct 20, 2014Feb 2, 2015Apr 27, 2015Jul 27, 2015Oct 26, 2015Feb 1, 2016Apr 27, 2016Jul 27, 2016Oct 26, 2016Mar 1, 2017May 1, 2017Jul 26, 2017Oct 30, 2017Feb 20, 2018Apr 30, 2018Jul 30, 2018Nov 5, 2018Feb 25, 2019May 6, 2019Aug 7, 2019Nov 6, 2019Feb 24, 2020May 6, 2020Aug 5, 2020Oct 28, 2020Feb 24, 2021May 5, 2021Aug 4, 2021Nov 3, 2021Feb 23, 2022May 4, 2022Aug 3, 2022Nov 2, 2022Feb 23, 2023May 4, 2023Aug 3, 2023Nov 2, 2023Feb 22, 2024May 2, 2024Aug 1, 2024Oct 31, 2024Feb 20, 2025Apr 30, 2025Jul 31, 2025Oct 30, 2025Feb 19, 2026Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate-0.120.120.120.140.150.180.200.210.240.220.260.260.300.200.270.260.300.450.500.560.570.570.600.620.610.470.550.560.520.340.440.500.530.490.500.650.600.320.410.510.570.470.440.550.530.500.570.670.670.570.680.850.720.580.820.850.710.670.830.870.750.620.740.540.380.470.610.490.490.450.520.400.490.14-0.13-0.020.07-0.02-0.070.080.240.280.200.320.570.500.570.570.601.021.021.121.361.491.610.710.990.890.740.660.750.750.770.771.030.931.020.941.060.980.971.081.070.94
EPS Actual0.120.140.120.120.160.160.180.280.240.260.270.270.280.300.200.280.690.740.460.500.570.580.570.620.630.620.470.550.560.520.350.480.570.540.510.500.660.580.330.420.570.560.440.470.650.610.550.660.770.720.620.710.790.680.600.850.870.740.670.810.800.760.510.250.570.380.490.500.520.500.470.540.480.410.11-0.230.04-0.01-0.15-0.41-0.080.470.320.350.590.600.470.580.670.801.041.031.321.631.521.080.741.150.940.860.831.110.790.810.791.040.951.051.001.121.001.011.081.07-
Surprise-16.67%0.00%0.00%14.29%6.67%0.00%40.00%14.29%8.33%22.73%3.85%7.69%0.00%0.00%3.70%165.38%146.67%2.22%0.00%1.79%1.75%0.00%3.33%1.61%1.64%0.00%0.00%0.00%0.00%2.94%9.09%14.00%1.89%4.08%0.00%1.54%-3.33%3.13%2.44%11.76%-1.75%-6.38%6.82%18.18%15.09%10.00%15.79%14.93%7.46%8.77%4.41%-7.06%-5.56%3.45%3.66%2.35%4.23%0.00%-2.41%-8.05%1.33%-17.74%-66.22%5.56%0.00%4.26%-18.03%6.12%2.04%4.44%3.85%20.00%-16.33%-21.43%-76.92%300.00%-114.29%-650.00%-485.71%-200.00%95.83%14.29%75.00%84.38%5.26%-6.00%1.75%17.54%33.33%1.96%0.98%17.86%19.85%2.01%-32.92%4.23%16.16%5.62%16.22%25.76%48.00%5.33%5.19%2.60%0.97%2.15%2.44%5.85%5.66%2.04%3.86%0.00%0.00%-
Timing----------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap920.55M
Enterprise Value2.58B
Trailing P/E10.46
Forward P/E3.46
PEG Ratio1.39
Price / Sales0.19
Price / Book1.33
EPS1.51
Book Value12.58
Revenue (TTM)4.74B
Gross Profit (TTM)2.33B
EBITDA477.64M
Profit Margin1.90%
Operating Margin6.05%
Return on Equity12.73%
Return on Assets6.82%
Shares Outstanding58.30M
Shares Float55.91M
Beta1.77
Dividend Yield9.70%
Dividend Rate1.56
Payout Ratio37.50%

Analyst Ratings

Buy
Based on 8 analystsTarget 28.25
  • Strong Buy
    5
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
101.82%
Insiders
3.90%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    8.21M14.08%
  • FMR Inc
    5.41M9.28%
  • Vanguard Portfolio Management, LLC
    3.94M6.76%
  • IEQ CAPITAL, LLC
    3.90M6.70%
  • Dimensional Fund Advisors, Inc.
    2.74M4.71%
  • State Street Corp
    2.30M3.94%
  • LSV Asset Management
    2.28M3.91%
  • Vanguard Capital Management, LLC
    2.28M3.90%
  • The Goldman Sachs Group Inc
    1.38M2.36%
  • Geode Capital Management, LLC
    1.35M2.32%
  • Charles Schwab Investment Management Inc
    1.27M2.17%
  • Bragg Financial Advisors Inc
    1.19M2.04%
  • Wellington Management Company LLP
    1.10M1.89%
  • Huber Capital Management LLC
    1.06M1.82%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    3.19M5.47%
  • Fidelity Value
    1.83M3.15%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.67M2.86%
  • iShares Russell 2000 ETF
    1.41M2.42%
  • Vanguard Small Cap Index
    1.21M2.08%
  • FPA Queens Road Small Cap Value Inv
    1.13M1.93%

Dividends

20262×
0.39Jun 16, 20260.39Apr 7, 2026
20254×
0.39Dec 17, 20250.39Sep 30, 20250.39Jun 17, 20250.39Apr 2, 2025
20244×
0.39Dec 18, 20240.37Oct 1, 20240.37Jun 18, 20240.37Apr 2, 2024
20234×
0.37Dec 18, 20230.34Oct 2, 20230.34Jun 16, 20230.34Apr 4, 2023
20224×
0.34Dec 19, 20220.34Oct 3, 20220.34Jun 17, 20220.34Apr 4, 2022
20214×
0.34Dec 15, 20210.31Sep 27, 20210.31Jun 21, 20210.31Apr 5, 2021
20202×
0.31Dec 14, 20200.29Oct 6, 2020

Stock Splits

  • Sep 2, 20035:2
  • Oct 10, 19952:1
  • Jun 21, 19953:2