Upbound Group, Inc. (UPBD) Stock Price & Analysis
Upbound Group, Inc. (UPBD) closed at USD 16.91 on Wednesday, October 28, 2026, down 0.24% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 16.95; the Oct 28, 2026 session ranged USD 16.5–17.03 on volume of 1,780,032 shares. Market capitalization is $985.84M, with a 52-week range of USD 14.98–23.98 (NMS). Source: Nexqual, retrieved October 29, 2026 at 12:05 UTC.
Also available as compact Markdown for AI agents: nexqual.com/UPBD.md
Key facts (UPBD)
- Last four reported quarters (through Jun 30, 2026): revenue $4.74B, net income $90.3M (1.9% margin), free cash flow $356M (SEC filings).
- Valuation: P/E 10.9x (avg 13.6x at the last 2 fiscal year-ends).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (6 analysts), mean target USD 27.5 (range 20–41).
- Total return with dividends: 1Y -19.9% vs S&P 500 +13.6%; 5Y -57.0% vs S&P 500 +79.8%.
- Next earnings: 2026-10-29, EPS estimate USD 0.91, revenue estimate $1.12B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (UPBD)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $4.58B | $4.25B | $3.99B | $4.32B | $4.70B | $4.74B |
| Gross profit | $2.24B | $2.08B | $2.02B | $2.08B | $2.27B | — |
| Operating income | $281M | $149M | $163M | $292M | $223M | $242M |
| Net income | $135M | $12.4M | -$5.2M | $123M | $73.2M | $90.3M |
| EPS (diluted) | $2.02 | $0.21 | -$0.09 | $2.21 | $1.25 | — |
| Free cash flow | $330M | $407M | $147M | $48.4M | $239M | $356M |
| Gross margin | 48.8% | 49.0% | 50.7% | 48.1% | 48.4% | — |
| Operating margin | 6.1% | 3.5% | 4.1% | 6.7% | 4.8% | 5.1% |
| Net margin | 2.9% | 0.3% | -0.1% | 2.9% | 1.6% | 1.9% |
| Revenue growth | +62.9% | -7.4% | -6.0% | +8.2% | +8.7% | — |
| Cash + short-term investments | $108M | $144M | $93.7M | $60.9M | $121M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (UPBD)
P/E 10.9x · P/S 0.2x · P/FCF 2.8x · P/B 1.3x · FCF yield 36.11% · Earnings yield 9.16% · Dividend yield (paid, TTM) 9.17%
P/E at fiscal year-ends: Dec 2025 14.1x, Dec 2024 13.2x.
Analysts (UPBD)
Consensus Buy (mean 2.00 on a 1–5 scale), 6 analysts; mean target USD 27.5 (low 20, high 41).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-06 | TD Cowen | Target lowered | Buy | $28 → $27 |
| 2026-07-31 | TD Cowen | Target lowered | Buy | $29 → $28 |
| 2026-07-31 | BTIG | Downgrade | Buy → Neutral | |
| 2026-07-07 | TD Cowen | Target raised | Buy | $28 → $29 |
Total return (dividends reinvested) (UPBD)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -19.9% | -57.0% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | -20.0% | -15.5% |
| Volatility (annualized) | 44.8% | 48.7% |
| Max drawdown | -31.4% (Jul 2026→Sep 2026) | -65.9% (Oct 2021→Sep 2022) |
UPBD earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $1.07 | $1.05 | Beat +1.9% | — |
| — | Quarter ended Mar 31, 2026 | $1.08 | $1.07 | Beat +0.9% | — |
| — | Quarter ended Dec 31, 2025 | $1.01 | $0.97 | Beat +4.1% | — |
| — | Quarter ended Sep 30, 2025 | $1.00 | $0.98 | Beat +2.0% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
UPBD recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Oct 29, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
| Oct 8, 2026 | Schedule 13G | Dimensional Fund Advisors LP: 5.4% of shares, passive 5%+ holder |
| Sep 22, 2026 | 8-K | Director or executive officer change, or pay arrangement; Regulation FD disclosure “Appointment of New EVP - Chief Operating Officer On September 22, 2026, Upbound Group, Inc. (the "Company") announced that Mr. Scott Young will join the Company as its Executive Vice President - Chief Operating Officer effective September 22, 2026. Mr. Young will report directly to Mr. Fahmi Karam, Chief Executive Officer. Mr. Young, age 60, has more than 30 years of experience leading and scaling consumer financial services, fintech, payments, lending, and digital banking businesses. Most recently, he served as…” |
| Aug 6, 2026 | Schedule 13G/A | FMR LLC, Abigail P. Johnson: 5.7% of shares, passive 5%+ holder (amended) |
| Jul 31, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Jul 30, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
| Jul 22, 2026 | Schedule 13G/A | Allred Aaron R: 3.1% of shares, passive 5%+ holder (amended) |
| Jul 22, 2026 | 8-K | Other material event “Upbound Group, Inc. (the "Company") recently experienced cybersecurity incidents in which certain non-sensitive customer information and other documents were obtained without authorization. In connection with certain such incidents, the Company believes the information was subsequently used to facilitate fraudulent lease-to-own agreements, contributing to elevated fraudulent contract losses of approximately $13 million in the Company's Acima segment during the second quarter of 2026. Upon identifying the data…” |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
UPBD suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Bridge IT | “•Our Brigit segment's EWA advances expose Brigit to the repayment risk of Brigit's customers and if Brigit's decisioning criteria for EWA advance eligibility is not sufficient to mitigate against this risk, or if the data Brigit uses to assess customer earned wages is inaccurate or incomplete, Brigit's financial condition and operating results could be adversely affected if a substantial number of Brigit's custome…” |
| Customer | Acceptance Now | “If a customer does not return the merchandise or make payment, the remaining book value of the rental merchandise associated with delinquent accounts is generally charged off on or before the 90th day following the time the account became past due in the Rent-A-Center and Mexico segments, on or before the 120th day in our Acima segment and during the month following the 150th day in certain Acima locations formerl…” |
Quoted from the company's 10-K filed Feb 23, 2026.
UPBD analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.91 | $1.00 | -9.5% | $1.12B | 6 |
| Next quarter (ends Dec 2026) | $1.10 | $1.07 | +3.5% | $1.23B | 6 |
| Current fiscal year (ends Dec 2026) | $4.16 | $4.20 | -0.9% | $4.73B | 6 |
| Next fiscal year (ends Dec 2027) | $4.62 | $4.76 | -2.9% | $4.93B | 6 |
Key Statistics (as of October 29, 2026 at 12:05 UTC)
| Price | USD 16.91 |
|---|---|
| Change | ▼ 0.24% (down) |
| Previous Close | USD 16.95 |
| Open | USD 16.72 |
| Day Range | USD 16.5 – 17.03 |
| 52-Week Range | USD 14.98 – 23.98 |
| Volume | 1,780,032 shares |
| Market Cap | $985.84M |
| Exchange | NMS |
Technical Analysis (UPBD)
Nexqual's technical model rates UPBD "NEUTRAL" based on 3 bullish and 2 bearish signals across 127 daily candles, as of October 29, 2026 at 12:05 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 51.82 (neutral) |
| vs SMA50 | Below (USD 17.18) |
| MACD | 0.01 (positive) |
Analyst Ratings (UPBD)
Wall Street analysts rate UPBD "Buy" based on 6 analysts, with a mean price target of USD 27.5 (range USD 20–41), per Nexqual as of October 29, 2026 at 12:05 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 27.5 |
| High Target | USD 41 |
| Low Target | USD 20 |
| Buy / Hold / Sell | 5 / 1 / 0 |
Earnings (UPBD)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 0.91 |
| Revenue Estimate | $1.12B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.07 vs est 1.05 ▲ beat |
| 2026-03-31 | USD 1.08 vs est 1.07 ▲ beat |
| 2025-12-31 | USD 1.01 vs est 0.97 ▲ beat |
| 2025-09-30 | USD 1 vs est 0.98 ▲ beat |
Source: Nexqual, October 29, 2026 at 12:05 UTC.
Financials & Fundamentals (UPBD)
| Total Revenue | $4.74B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +0.50% |
| Gross Margin | +49.13% |
| Operating Margin | +6.05% |
| Profit Margin | +1.90% |
| ROE | +12.73% |
| Debt / Equity | 2.33 |
| Current Ratio | 3.13 |
| Total Cash | $105.30M |
| Total Debt | $1.71B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $355.95M (7.5% of revenue) |
Source: Nexqual, October 29, 2026 at 12:05 UTC.
Financial Health Score (UPBD)
Nexqual rates Upbound Group, Inc.'s overall financial health "Mixed" across five dimensions, as of October 29, 2026 at 12:05 UTC.
| Growth | Solid — Revenue +9% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 49%, operating 5% (last 4 quarters to Jun 2026, SEC) |
| Balance Sheet | Weak — $105M cash vs $1.71B debt |
| Cash Flow | Solid — FCF $356M (last 4 quarters to Jun 2026, SEC), 8% margin |
| Efficiency | Mixed — ROE 12%, ROA 2.9% (last 4 quarters, SEC) |
Ownership (UPBD)
| Insider Ownership | +3.94% |
|---|---|
| Institutional Ownership | +103.69% |
| Shares Outstanding | 58.30M |
| Float | 55.89M |
| Short % of Float | +18.47% |
Source: Nexqual, October 29, 2026 at 12:05 UTC.
Leadership (UPBD)
Upbound Group, Inc. is led by Fahmi Karam, CEO & Director, per Nexqual as of October 29, 2026 at 12:05 UTC.
| CEO & Director | Fahmi Karam |
|---|---|
| Executive VP & CFO | Hal Khouri |
| Executive Vice President of Rent-A-Center Business | Anthony J. Blasquez |
| Executive Vice President of Acima | Tyler Montrone |
| Executive VP & COO | Scott A. Young |
Major Backers & Investors (UPBD)
Notable institutional backers of Upbound Group, Inc. include FMR, LLC, Goldman Sachs, LSV Asset Management, according to Nexqual as of October 29, 2026 at 12:05 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 5.68% |
| Goldman Sachs | 4.13% |
| LSV Asset Management | 3.91% |
| Fidelity | 3.74% |
| IEQ Capital, LLC | 3.04% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 15.7% |
| Vanguard Group | 11.25% |
| Dimensional Fund Advisors | 4.71% |
| State Street | 4.23% |
| Geode Capital | 2.52% |
Source: Nexqual, October 29, 2026 at 12:05 UTC.
From Upbound Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-23)
Key Strengths & Strategy (as disclosed to the SEC)
- Our Acima segment offers lease-to-own solutions through retailers in stores and online enabling such retailers to grow sales by expanding their customer base utilizing our differentiated offering and allowing customers to access our flexible lease-to-own solutions at thousands of retailers and to lease a wide range of durable products.
- We believe our executive management team's extensive industry and company experience will allow us to effectively execute our strategies.
Partnerships
- We occupy the space without charge by agreement with each retailer.
- In our Acima segment, we purchase the merchandise selected by the customer from the applicable third-party retailer at the time such customer enters into a lease purchase agreement with us and the product is delivered.
Legal & Regulatory Risks (Item 1A, quoted)
- Our businesses and industries are heavily regulated and subject to active enforcement including legal and regulatory proceedings that have in the past and may in the future result in damages, penalties or other significant monetary obligations and restrictions on our business operations.
- Our use of arbitration agreements may not allow us to avoid costly litigation or mass arbitrations.
- Laws and regulations regarding information security and data collection, use and privacy are increasingly rigorous and subject to change, which may cause us to incur significant compliance costs and subject us to adverse impacts in the event of actual or alleged compliance failures.
- Our reputation, ability to do business and operating results may be impaired by improper conduct by any of our employees, agents or business partners, including third-party retailers.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 12:05 UTC. This page is informational and not investment advice.
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