Upbound Group, Inc.

Consumer Discretionary
Diversified Commercial Services
www.upbound.com

Earnings Score
Moat Score

Market Cap $1.62B
PE 20
Debt -
Cash $85.05M
EV -
FCF $85.59M

Earnings

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Sales & Net Margins

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Earnings	$81.24M
EBIT	$268.37M
ROE	13%
ROA	10%
FCF	$85.59M
Equity	$611.82M
Growth Stability	-4%
PE	19.88
PEG	-0.86
PB	2.64
P/FCF	18.87
P/S	0.38
Price/Cash	0.05
Net Margins	3%
Gross Margins	49%
Op. Margins	6%
Earnings CAGR	1%
Sales Growth YoY	9%
Sales Growth QoQ	-1%
Sales CAGR	6%
FCF CAGR	4%
Equity CAGR	2%
Earnings Stability	0
Earnings Growth YoY	607%

Earnings Growth QoQ	-9%
Earnings CAGR 5Y	-23%
Sales CAGR 5Y	11%
FCF CAGR 5Y	-13%
Equity CAGR 5Y	2%
Earnings CAGR 3Y	-5%
Sales CAGR 3Y	-5%
FCF CAGR 3Y	-50%
Equity CAGR 3Y	5%
Market Cap	$1.62B
Revenue	$4.26B
Dividend Yield	5%
Payout Ratio	99%
Assets	$2.58B
Cash	$85.05M
Shares Outstanding	54.63M
Earnings Score	6%
Moat Score	84%
Gross Profit	$2.08B
Shares Growth 3y	-0%
Equity Growth QoQ	3%
Equity Growth YoY	2%

Assets & ROA

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Stockholders Equity & ROE

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Upbound Group, Inc. is a lease-to-own provider with operations in the United States, Puerto Rico and Mexico. The Company has four segments. Acima segment generally offers lease-to-own transactions to consumers who do not qualify for financing from the traditional retailer. Rent-A-Center Business segment consists of the Company-owned lease-to-own stores in the United States and Puerto Rico. The segment operates approximately 1,851 the Company-owned stores in the United States and Puerto Rico, segment consists of the Company-owned lease-to-own stores in Mexico that lease durable goods to customers on a lease-to-own basis. The segment operates approximately 126 stores in Mexico. The stores in its Franchising segment use its Rent-A-Center, ColorTyme or RimTyme trade names, service marks, trademarks and logos. The segment franchises approximately 447 stores in 31 states operating under the Rent-A-Center (392 stores), ColorTyme (18 stores) and RimTyme (37 stores) trade names.

SEC Filings

Direct access to Upbound Group, Inc. (UPBD) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Upbound Group, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Upbound Group, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 1%

Stability 0%

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Upbound Group, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Upbound Group, Inc..

Years

Calculation mode

= $1.2B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$86M	$89M	$93M	$97M	$102M	$106M	$111M	$116M	$121M	$126M	$132M	$1.3B
DCF		$81M	$77M	$73M	$70M	$66M	$63M	$59M	$56M	$54M	$51M	$509M
Value	$1.2B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-26%	-4%	0%	0%	7%	7%	3%	0%	-0%	3%
ROA	-	-4%	-4%	4%	16%	14%	9%	5%	6%	10%
ROE	-	-40%	2%	3%	38%	35%	26%	2%	-1%	13%

Bad Net Margins (2.85%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	0.66	-	-	-	-	-	-	-	-
Debt over Equity	0.9	0.72	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	-	-	100%	100%	7%	-4%	-4%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-4%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-10%	-9%	-2%	0%	5%	63%	-7%	-6%	11%
Earnings YoY growth	-	-88%	-106%	28%	2K%	20%	-35%	-91%	-142%	-23%
Equity YoY growth	-	-44%	3%	5%	60%	29%	-13%	2%	7%	2%
FCF YoY growth	-	96%	-85%	343%	-3%	4%	63%	23%	-64%	-13%