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UPBOUND GROUP, INC.

UPBD

$19.83 ▲ +0.32 (+1.64%) at close

19 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

UPBOUND GROUP, INC. shows mixed fundamentals. Consider comparing against peers in the Industrials sector before making investment decisions.

Market Cap $1.1B

Dividend Yield 7.87%

Revenue Growth 8.7% ↗

Op. Margin 4.8% ↘

ROIC 21.8% ↘

FCF / Share $4.23 ↗

Trailing P/E 15.3x

Price / Book 1.6x

FCF Yield 21.3%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.70B

↑ +8.7% —

Net Income Profit after all expenses

$73.24M

↓ -40.7% —

Operating Margin Operating profit as % of sales

4.8%

↓ -29.5% 42th

FCF / Share Free cash flow per share

$4.23

↑ +376.8% —

Long-Term Debt Long-term obligations

$191.81M

↓ -54.9% —

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.56 Latest / share

+4.0% YoY

+4.8% 12-yr CAGR

$0.93

FY 2014

$0.96

FY 2015

$0.32

FY 2016

$0.16

FY 2017

$0.00

FY 2018

$0.54

FY 2019

$1.18

FY 2020

$1.27

FY 2021

$1.36

FY 2022

$1.39

FY 2023

$1.50

FY 2024

$1.56

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	8.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-219%)	-7.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-248%)	62.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1157%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	0.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	-1.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-131%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-276%)	-9.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-292%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	5.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	-0.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	-4.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-192%)	—	—
EPS Growth YoY (%)	-42.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-90.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-38.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	20.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	1893.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	87.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-22.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	3.9% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	21.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-40.7% Weak Weak Year-over-year change in net income	N/M	N/M	-90.8% Weak ↓ Weak Declining Year-over-year change in net income	-35.2% Weak ↓ Weak Declining Year-over-year change in net income	19.9% Good ↓ Good Declining Year-over-year change in net income	1943.6% Excellent ↑ Excellent Improving Year-over-year change in net income	27.6% Excellent Excellent Year-over-year change in net income	N/M	87.9% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-25.1% Weak ↓ Weak Declining Year-over-year change in net income	-29.1% Weak ↓ Weak Declining Year-over-year change in net income	10.4% Fair ↑ Fair Improving Year-over-year change in net income	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	2.3% Caution Caution Year-over-year change in net income	20.2% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%)	376.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-66.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	-64.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	30.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	55.1% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	4.2% Caution ↓ Caution Declining Year-over-year change in free cash flow	-4.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	341.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-84.6% Weak Weak Year-over-year change in free cash flow	95.3% Excellent Excellent Year-over-year change in free cash flow	N/M	N/M	-75.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	-22.1% Weak Weak Year-over-year change in free cash flow	32.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—
Revenue CAGR 3Y (%)	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	12.4% Good → Good Stable Compound annual revenue growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	1.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-3.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.9% Caution Caution Compound annual revenue growth over 3 years	-0.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	-3.0% Weak → Weak Stable Compound annual revenue growth over 5 years	-3.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.8% Caution Caution Compound annual revenue growth over 5 years	1.4% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	78.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-58.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	145.6% Excellent Excellent Compound annual EPS growth over 3 years	217.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	-59.6% Weak Weak Compound annual EPS growth over 3 years	—	—	-12.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.6% Fair Fair Compound annual EPS growth over 3 years	8.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	4.8% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	6.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	3.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	6.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	9.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	2.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	-2.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-2.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-30.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-356%)	6.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	8.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	10.2% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	10.2% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	11.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	10.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	9.5% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—
Effective Tax Rate (%) (%)	32.2% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	109.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	79.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	1.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	0.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	2.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	7.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	6.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	0.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	0.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-26.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-430%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	4.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	5.9% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	5.7% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	6.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	6.1% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	4.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	—
FCF Margin (%) (%)	5.1% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.6% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.2% Caution → Caution Stable Free cash flow as a percentage of revenue Optimal: > 10%	7.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.9% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-2.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	0.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.3% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	4.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.5% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	11.2% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	3.26x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-28.36x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	32.94x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.44x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	0.97x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.12x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	23.50x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.77x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-2.78x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.17x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.67x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.20x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.64x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.93x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	0.72x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.56x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.31x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%)	21.8% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	32.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.7% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	38.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	—	43.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	15.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	—	-11.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-88.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	11.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	14.6% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	17.0% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	17.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	17.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	18.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	20.1% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	6.8% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	11.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	6.0% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.4% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	9.4% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	13.6% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	16.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	4.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-4.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-50.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.2% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	11.0% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	10.5% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	11.3% Good Good Operating profit relative to total assets Optimal: > 10%	12.1% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	19.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+31%)	-0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	26.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+75%)	—	37.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+152%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	—	-39.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-365%)	-184.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1328%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	12.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	12.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	13.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	12.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	0.72x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.90x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+29%)	—	—	—	—	—	—	—	—
Interest Coverage (x)	1.98x Caution → Caution Stable Operating income divided by interest expense Optimal: > 5x	2.64x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.44x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.69x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.96x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	15.49x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	8.18x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	1.31x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.37x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.41x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-20.43x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	4.04x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	6.23x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.84x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	7.87x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	11.35x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	11.06x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	4.14x Fair Fair Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-120.53M	$-60.86M	$-93.70M	$-144.14M	$-108.33M	$-159.45M	$-70.49M	$-155.39M	$-72.97M	$96.42M	$365.27M	$-46.13M	$-42.27M	$-61.09M	$-88.06M	$-70.73M	$-101.80M	$-87.38M	$-97.38M
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	—	17.82x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.46x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$83.13	$79.05	$72.62	$78.84	$80.34	$51.93	$49.15	$49.76	$50.72	$55.78	$61.80	$59.75	$56.46	$52.33	$47.10	$41.96	—	—	—
Basic EPS, GAAP (USD)	$1.30	$2.26	$-0.09	$0.23	$2.37	$3.84	$3.19	$0.16	$0.12	$-1.98	$-16.34	$1.82	$2.35	$3.08	$2.69	$2.64	$2.54	$2.10	—
Free Cash Flow per Share (USD)	$4.23	$0.89	$2.67	$7.56	$5.78	$3.73	$3.58	$3.73	$0.85	$5.51	$2.82	$-1.22	$0.47	$1.96	$2.52	$1.90	—	—	—
Dividend per Share (USD)	$1.56	$1.50	$1.39	$1.36	$1.27	$1.18	$0.54	$0.00	$0.16	$0.32	$0.96	$0.93	$0.86	$0.64	$0.44	$0.12	$0.00	$0.00	—
Book Value per Share (USD)	$12.32	$11.51	$10.19	$9.75	$9.00	—	$8.45	$5.36	—	$4.99	$8.87	$26.29	$24.38	$24.85	$22.21	$20.79	—	—	—
Tangible Book Value per Share (USD)	$3.68	$6.20	$4.92	$4.37	$3.92	—	$7.16	$4.30	—	$3.95	$4.98	$0.36	$-0.52	$2.03	$0.33	$0.51	—	—	—
Basic Weighted Avg Shares (shares)	56.48M	54.65M	54.98M	53.85M	57.05M	54.19M	54.33M	53.47M	53.28M	53.12M	53.05M	52.85M	54.80M	58.91M	61.19M	65.10M	—	—	—
Dividend Payout Ratio (%)	120.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	66.4% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	-16.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-5.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.1% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	36.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
LT Debt (USD)	—	—	—	—	—	—	—	—	—	$191.81M	$425.63M	—	—	—	—	—	—	—	—
Total Equity (USD)	$695.74M	$628.98M	$560.37M	$525.15M	$513.28M	—	$458.96M	$286.52M	—	$264.93M	$470.48M	$1.39B	$1.34B	$1.46B	$1.36B	$1.35B	$1.25B	$1.08B	$947.09M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$4.70B	$4.32B	$3.99B	$4.25B	$4.58B	$2.81B	$2.67B	$2.66B	$2.70B	$2.96B	$3.28B	$3.16B	$3.09B	$3.08B	$2.88B	$2.73B	$2.75B	$2.88B	—
Depreciation Expense (USD)	$75.30M	$72.00M	$75.45M	$67.98M	$67.09M	$55.60M	$60.59M	$68.28M	$73.69M	$77.36M	$76.43M	$78.75M	$76.45M	$73.36M	$65.21M	$63.41M	$65.79M	$72.68M	—
Net Income, GAAP (USD)	$73.24M	$123.48M	$-5.18M	$12.36M	$134.94M	$208.12M	$173.55M	$8.49M	$6.65M	$-105.19M	$-866.63M	$96.42M	$128.76M	$181.70M	$164.64M	$171.64M	$167.85M	$139.62M	—
Operating Cash Flow (USD)	$305.57M	$104.72M	$200.29M	$468.46M	$392.30M	$236.50M	$215.42M	$227.50M	$110.53M	$353.74M	$230.49M	$19.11M	$134.34M	$217.90M	$286.63M	$216.49M	$330.12M	$384.34M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

UPBOUND GROUP, INC.

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