Stocks · Technology · Software - Application
Upbound Group, Inc. UPBD
$15.91 +1.47% Close, Oct 2, 2026 · NASDAQ · Market cap $927.5M
Inexpensive vs sector
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 10.3× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +2.5%).
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth34Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Bottom 28%
- FCF growth (TTM, YoY)Top 10%
- Revenue growth, 3-year CAGRBottom 41%
- Revenue growth accelerationBottom 23%
Quality68Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 41%
- Gross marginBottom 48%
- Operating marginTop 49%
- Cash conversion (OCF / net income)Top 11%
- Accruals (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverBottom 43%
Value100Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 3%
- Free-cash-flow yieldTop 2%
- EBITDA / enterprise valueTop 1%
- Sales / enterprise valueTop 5%
- P/E vs own 5-year history (lower is better)Top 5%
Momentum21Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 32%
- 6-month returnBottom 20%
- 1-year return vs S&P 500Bottom 24%
- Distance from 52-week highBottom 44%
- Trend checklist (0–4)Bottom 10%
Revisions89Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 28%
- Consecutive EPS beatsTop 9%
- Share of analysts rating BuyTop 33%
- Upside to consensus price targetTop 18%
Stability69Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 14%
- Maximum drawdown, 3 yearsTop 43%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Bottom 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.7% | 5.9% | ↓ |
| EPS growth (YoY) | -32.9% | -13.5% | ↑ |
| Gross margin | 47.8% | 49.1% | ↑ |
| Operating margin | 5.9% | 5.1% | ↓ |
| FCF margin | 3.6% | 7.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.9% | 7.7% | ↓ | Bottom 30% |
| EPS growth (TTM, YoY) | -13.5% | -32.9% | ↑ | Bottom 28% |
| Gross margin | 49.1% | 47.8% | ↑ | Bottom 48% |
| Operating margin | 5.1% | 5.9% | ↓ | Top 49% |
| Net margin | 1.9% | 2.3% | ↓ | — |
| Free-cash-flow margin | 7.5% | 3.6% | ↑ | — |
| Return on invested capital | 6.5% | — | Top 41% | |
| Revenue growth, 3-year CAGR | 3.4% | — | Bottom 41% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +2.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.91×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 9.74%
- Net buyback yield (TTM)
- -0.06%
- Shareholder yield
- 9.68%
- Share count change, 1 year
- -0.2%
- Share count change, 3-year CAGR
- +1.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +2.5%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $28.00
- Target vs current price
- +76.0%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +1.9% | -4.0% | -4.0% | -7.2% | — |
| Apr 30, 2026 | +1.9% | +4.3% | +0.4% | +2.5% | +8.8% |
| Feb 19, 2026 | +4.1% | +6.3% | +3.2% | -15.2% | -16.6% |
| Oct 30, 2025 | +2.0% | -16.3% | -14.1% | -21.0% | -16.4% |
| Jul 31, 2025 | +6.7% | -15.3% | -10.7% | +7.0% | -6.7% |
| May 1, 2025 | +6.4% | +19.1% | +16.3% | +15.2% | +26.4% |
| Feb 20, 2025 | +1.9% | -5.0% | -6.6% | -14.5% | -14.6% |
| Oct 31, 2024 | +6.7% | +8.0% | +25.9% | +27.2% | +9.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $1.07 | $1.05 | +1.9% | $1.16B |
| Apr 30, 2026 | $1.08 | $1.06 | +1.9% | $1.22B |
| Feb 19, 2026 | $1.01 | $0.97 | +4.1% | $1.20B |
| Oct 30, 2025 | $1.00 | $0.98 | +2.0% | $1.16B |
| Jul 31, 2025 | $1.12 | $1.05 | +6.7% | $1.16B |
| May 1, 2025 | $1.00 | $0.94 | +6.4% | $1.18B |
| Feb 20, 2025 | $1.05 | $1.03 | +1.9% | $1.08B |
| Oct 31, 2024 | $0.95 | $0.89 | +6.7% | $1.07B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.3× | 19.7× | 0th | Top 3% |
| P/E (forward) | 3.8× | — | — | — |
| EV / EBITDA | 1.4× | — | — | Top 1% |
| EV / Sales | 0.53× | — | — | Top 5% |
| Free-cash-flow yield | 38.38% | — | — | Top 2% |
| Earnings yield | 9.68% | — | — | Top 3% |
P/E over the past five years
Range 11.3× – 215.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -30.3%
- Earnings per share growth (TTM)
- -13.5%
- Change in P/E multiple
- +8.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.9%
- 200-day average slope (20 days)
- -0.4%
- Distance from 50-day average
- -14.2%
- Distance from 200-day average
- -16.4%
- RSI (14)
- 30.2
- Relative volume
- 1.03×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 37.1%
- Volatility vs own 5-year history
- 27th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.27
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -32.6%
- Maximum drawdown, 3 years
- -58.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 8, 2021 | Sep 29, 2026 | -76.1% | 1333 days | Not yet recovered |
| Mar 15, 2021 | Apr 20, 2021 | -16.4% | 25 days | 34 days (Jun 8, 2021) |
| Jan 14, 2021 | Jan 28, 2021 | -11.6% | 9 days | 6 days (Feb 5, 2021) |
| Oct 9, 2020 | Nov 10, 2020 | -11.0% | 22 days | 4 days (Nov 16, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $927.5M
- P/E (TTM)
- 10.3
- EPS, diluted (TTM)
- $1.54
- Revenue (TTM)
- $4.74B
- Dividend yield
- 9.81%
- 52-week range
- $15.13 – $23.98
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $4.58B | $4.25B | $3.99B | $4.32B | $4.70B |
| Gross profit | $2.24B | $2.08B | $2.02B | $2.08B | $2.27B |
| Operating income | $280.5M | $148.5M | $162.9M | $291.6M | $223.3M |
| Net income | $134.9M | $12.4M | -$5.2M | $123.5M | $73.2M |
| EPS (diluted) | $2.02 | $0.21 | -$0.09 | $2.21 | $1.25 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.07B | $1.08B | $1.18B | $1.16B | $1.16B | $1.20B | $1.22B | $1.16B |
| Net income | $30.9M | $31.0M | $24.8M | $15.5M | $13.2M | $19.7M | $35.8M | $21.6M |
| EPS (diluted) | $0.55 | $0.55 | $0.42 | $0.26 | $0.22 | $0.34 | $0.61 | $0.37 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $392.3M | $468.5M | $200.3M | $104.7M | $305.6M |
| Capital expenditure | -$62.5M | -$61.4M | -$53.4M | -$56.3M | -$66.9M |
| Free cash flow | $329.8M | $407.1M | $146.9M | $48.4M | $238.7M |
| Dividends paid | -$71.5M | -$79.2M | -$83.1M | -$82.3M | -$87.9M |
| Net share buybacks | -$378.1M | -$73.3M | -$47.6M | $1.8M | $566,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $105.3M
- Total assets
- $3.10B
- Total liabilities
- $2.37B
- Total debt
- $1.71B
- Net debt
- $1.60B
- Shareholders’ equity
- $733.4M
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 6, 2026 | $0.39 | Oct 27, 2026 |
| Jun 16, 2026 | $0.39 | Jul 7, 2026 |
| Apr 7, 2026 | $0.39 | Apr 28, 2026 |
| Dec 17, 2025 | $0.39 | Jan 6, 2026 |
| Sep 30, 2025 | $0.39 | Oct 21, 2025 |
| Jun 17, 2025 | $0.39 | Jul 8, 2025 |
| Apr 2, 2025 | $0.39 | Apr 22, 2025 |
| Dec 18, 2024 | $0.39 | Jan 7, 2025 |
Short interest
- Shares sold short
- 7,933,519
- Days to cover
- 10.45
- Change vs previous report
- +3.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 2, 2003
- 5-for-2
- Oct 10, 1995
- 2-for-1
- Jun 21, 1995
- 3-for-2