Upbound Group (UPBD) Financials

$18.73 +0.25 (+1.35%)

Closing price 04:00 PM Eastern

Extended Trading

$18.78 +0.05 (+0.28%)

As of 07:56 PM Eastern

Annual Income Statements for Upbound Group

This table shows Upbound Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-954	-105	6.65	8.49	174	208	135	12	-5.18	123	73
Consolidated Net Income / (Loss)	-954	-105	6.65	8.49	174	208	135	12	-5.18	123	73
Net Income / (Loss) Continuing Operations	-954	-105	6.65	8.49	174	208	135	12	-5.18	123	73
Total Pre-Tax Income	-1,057	-113	-110	14	224	223	194	61	53	178	108
Total Operating Income	-1,008	-67	-63	56	254	237	281	149	163	292	223
Total Gross Profit	2,118	1,935	1,719	1,688	1,644	1,672	2,235	2,080	2,022	2,080	2,272
Total Revenue	3,278	2,963	2,703	2,660	2,670	2,814	4,583	4,240	3,992	4,321	4,695
Operating Revenue	3,259	2,963	2,703	2,660	2,670	2,814	4,583	4,240	3,962	4,287	4,662
Other Revenue	19	-	-	-	-	-	-	-	30	33	33
Total Cost of Revenue	1,160	1,028	984	972	1,026	1,142	2,348	2,166	1,970	2,240	2,423
Operating Cost of Revenue	1,160	1,028	984	972	1,026	1,142	2,348	2,166	2,584	2,849	3,026
Total Operating Expenses	3,126	2,002	1,782	1,632	1,390	1,435	1,954	1,931	1,246	1,180	1,446
Selling, General & Admin Expense	166	169	171	163	143	153	195	1,008	978	1,024	1,182
Depreciation Expense	81	80	75	69	61	57	55	53	51	51	52
Other Operating Expenses / (Income)	1,689	1,581	1,477	1,340	1,247	1,188	1,415	634	217	105	212
Total Other Income / (Expense), net	-49	-47	-47	-42	-30	-15	-86	-87	-110	-114	-115
Interest Expense	49	47	48	43	31	15	71	88	113	111	113
Interest & Investment Income	0.63	0.50	0.79	1.15	3.12	0.77	0.22	0.64	3.42	3.10	2.62
Other Income / (Expense), net	0.00	0.00	-	-0.48	-2.17	0.00	-16	0.00	0.00	-6.60	-4.89
Income Tax Expense	-103	-8.08	-117	5.35	50	15	59	49	58	54	35
Basic Earnings per Share	($17.97)	($1.98)	$0.12	$0.16	$3.19	$3.84	$2.37	$0.23	($0.09)	$2.26	$1.30
Weighted Average Basic Shares Outstanding	53.05M	53.12M	53.28M	53.47M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Diluted Earnings per Share	($17.97)	($1.98)	$0.12	$0.16	$3.10	$3.73	$2.02	$0.21	($0.09)	$2.21	$1.25
Weighted Average Diluted Shares Outstanding	53.05M	53.12M	53.28M	53.47M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Weighted Average Basic & Diluted Shares Outstanding	53.05M	53.12M	53.28M	53.47M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Cash Dividends to Common per Share	$0.96	$0.32	$0.16	$0.00	$0.54	$1.18	$1.27	$1.36	$0.00	$0.00	$0.00

This table shows Upbound Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	4.36	-11	28	34	31	31	25	15	13	20	36
Consolidated Net Income / (Loss)	4.36	-11	28	34	31	31	25	15	13	20	36
Net Income / (Loss) Continuing Operations	4.36	-11	28	34	31	31	25	15	13	20	36
Total Pre-Tax Income	31	27	33	46	44	54	36	23	20	30	51
Total Operating Income	58	56	62	81	70	79	63	51	53	57	77
Total Gross Profit	497	513	529	532	511	508	550	572	563	587	586
Total Revenue	979	1,012	1,096	1,077	1,069	1,071	1,176	1,158	1,165	1,196	1,220
Operating Revenue	979	1,012	1,088	1,069	1,061	1,071	1,167	1,149	1,157	1,189	1,214
Other Revenue	-	-	8.18	7.99	7.67	-	9.05	8.85	7.62	7.24	5.43
Total Cost of Revenue	482	349	725	545	558	413	626	586	602	610	633
Operating Cost of Revenue	482	197	725	701	710	257	775	735	753	762	782
Total Operating Expenses	439	765	309	295	288	743	338	372	359	377	360
Selling, General & Admin Expense	245	258	269	258	247	250	283	294	292	313	307
Depreciation Expense	13	13	13	13	13	12	12	13	13	14	14
Other Operating Expenses / (Income)	152	-	-	25	28	-	43	65	53	50	38
Total Other Income / (Expense), net	-27	-28	-29	-34	-26	-25	-27	-28	-33	-27	-26
Interest Expense	28	29	30	28	27	25	28	29	29	28	27
Interest & Investment Income	1.26	0.73	0.80	0.75	0.90	0.65	0.69	0.64	0.67	0.61	0.71
Other Income / (Expense), net	-	-	-	-6.60	0.00	-	0.00	0.00	-4.89	-	0.00
Income Tax Expense	27	39	4.89	12	13	23	11	7.36	6.65	10	15
Basic Earnings per Share	$0.08	($0.20)	$0.51	$0.62	$0.56	$0.57	$0.44	$0.27	$0.23	$0.36	$0.62
Weighted Average Basic Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Diluted Earnings per Share	$0.08	($0.18)	$0.50	$0.61	$0.55	$0.55	$0.42	$0.26	$0.22	$0.35	$0.61
Weighted Average Diluted Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Weighted Average Basic & Diluted Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Cash Dividends to Common per Share	$0.34	$0.37	$0.37	$0.37	$0.37	$0.39	$0.39	$0.39	$0.39	($1.17)	$0.39

This table details how cash moves in and out of Upbound Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	14	35	-22	82	-85	89	-51	36	-50	-33	60
Net Cash From Operating Activities	231	354	111	228	215	237	392	468	200	105	306
Net Cash From Continuing Operating Activities	231	354	111	228	215	347	392	468	200	105	306
Net Income / (Loss) Continuing Operations	-954	-105	6.65	8.49	174	208	135	12	-5.18	123	73
Consolidated Net Income / (Loss)	-954	-105	6.65	8.49	174	208	135	12	-5.18	123	73
Depreciation Expense	795	734	692	685	680	56	1,284	1,297	1,236	1,375	1,456
Amortization Expense	6.46	4.39	12	6.16	5.88	2.65	119	72	64	52	63
Non-Cash Adjustments To Reconcile Net Income	584	-344	-452	-541	-653	45	-1,109	-860	-1,083	-1,267	-1,318
Changes in Operating Assets and Liabilities, net	-201	64	-148	69	9.04	36	-36	-54	-12	-178	31
Net Cash From Investing Activities	-90	-59	-63	-4.69	21	-21	-1,336	-62	-51	-42	-404
Net Cash From Continuing Investing Activities	-90	-59	-63	-4.69	21	-21	-1,336	-62	-51	-42	-404
Purchase of Property, Plant & Equipment	-81	-61	-65	-28	-21	-35	-62	-61	-53	-56	-67
Acquisitions	-25	-3.10	-2.53	-2.05	-29	-0.70	-1,274	-1.00	-0.04	-1.41	-279
Sale of Property, Plant & Equipment	16	5.26	4.64	25	70	14	0.00	0.05	2.48	19	0.06
Other Investing Activities, net	-	-	0.00	0.00	1.11	0.16	-	0.00	0.00	-2.50	-58
Net Cash From Financing Activities	-124	-260	-71	-140	-322	-127	893	-371	-202	-94	156
Net Cash From Continuing Financing Activities	-124	-260	-71	-140	-322	-127	893	-371	-202	-94	156
Repayment of Debt	-606	-286	-405	-168	-617	-240	-417	-299	-139	-329	-525
Repurchase of Common Equity	-	-	0.00	0.00	-1.29	-27	-390	-75	-50	0.00	0.00
Payment of Dividends	-51	-26	-13	0.00	-14	-63	-72	-79	-83	-82	-88
Issuance of Debt	531	52	348	27	305	198	1,780	90	70	320	776
Other Financing Activities, net	1.07	-0.34	0.05	1.08	5.07	5.01	-8.85	-7.72	-0.46	-2.28	-6.61
Effect of Exchange Rate Changes	-2.30	-0.35	0.93	-0.08	0.56	-0.26	-0.29	0.39	2.36	-2.54	1.36
Cash Interest Paid	49	44	41	38	32	14	51	71	106	109	105
Cash Income Taxes Paid	128	19	1.98	2.23	24	52	19	72	89	103	70

This table details how cash moves in and out of Upbound Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	19	-12	-8.91	-2.28	2.54	-24	46	-0.48	0.18	14	-22
Net Cash From Operating Activities	78	-20	45	15	106	-62	148	7.81	118	42	171
Net Cash From Continuing Operating Activities	78	-20	45	15	106	-62	148	7.81	118	42	171
Net Income / (Loss) Continuing Operations	4.36	-11	28	34	31	31	25	15	13	20	36
Consolidated Net Income / (Loss)	4.36	-11	28	34	31	31	25	15	13	20	36
Depreciation Expense	309	323	337	343	346	349	356	362	368	371	364
Amortization Expense	16	16	14	13	12	12	15	16	16	16	16
Non-Cash Adjustments To Reconcile Net Income	-288	-424	-251	-308	-278	-430	-234	-337	-329	-418	-220
Changes in Operating Assets and Liabilities, net	37	76	-83	-66	-4.23	-25	-13	-48	50	53	-25
Net Cash From Investing Activities	-15	-15	-12	-14	-1.23	-14	-296	-19	-70	-29	-34
Net Cash From Continuing Investing Activities	-15	-15	-12	-14	-1.23	-14	-296	-19	-70	-29	-34
Purchase of Property, Plant & Equipment	-15	-17	-12	-14	-18	-12	-11	-18	-21	-18	-16
Acquisitions	-	-	0.00	-	-	-1.41	-275	-1.27	-1.89	-0.90	0.00
Sale of Property, Plant & Equipment	0.01	2.47	0.10	0.04	18	0.33	0.01	0.02	0.02	0.01	0.67
Other Investing Activities, net	-	-	-	-	-	-1.00	-10	-	-	-10	-19
Net Cash From Financing Activities	-44	22	-43	-1.51	-102	52	194	10	-49	0.50	-159
Net Cash From Continuing Financing Activities	-44	22	-43	-1.51	-102	52	194	10	-49	0.50	-159
Repayment of Debt	-0.01	-4.38	-79	-86	-131	-32	-237	-57	-159	-72	-236
Payment of Dividends	-20	-19	-21	-20	-20	-20	-21	-22	-22	-22	-23
Issuance of Debt	-	70	60	105	50	105	459	90	132	95	105
Other Financing Activities, net	0.37	0.65	-2.12	0.12	-0.10	-0.18	-6.22	-0.32	0.07	-0.14	-4.36
Effect of Exchange Rate Changes	-0.57	0.76	0.19	-	-0.88	-0.43	-0.03	0.80	0.31	0.27	-0.10

This table presents Upbound Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,974	1,603	1,421	1,397	1,583	1,751	2,993	2,764	2,721	2,650	3,276
Total Current Assets	293	224	211	280	206	297	305	309	261	277	482
Cash & Equivalents	60	95	73	155	70	159	108	144	94	61	121
Accounts Receivable	69	70	70	70	84	82	126	112	111	156	203
Inventories, net	4.67	3.63	4.03	3.83	4.88	5.44	6.41	6.99	6.40	5.52	5.21
Prepaid Expenses	159	55	65	51	46	50	63	46	50	54	153
Plant, Property, & Equipment, net	331	316	283	226	166	142	308	295	273	254	310
Total Noncurrent Assets	1,350	1,063	926	890	1,211	1,304	2,381	2,159	2,187	2,118	2,484
Goodwill	206	55	57	57	70	70	290	290	290	290	488
Intangible Assets	7.78	5.25	0.88	0.50	8.76	7.87	425	359	301	255	350
Noncurrent Deferred & Refundable Income Taxes	-	-	0.00	26	15	34	68	83	72	59	57
Other Noncurrent Operating Assets	1,136	1,002	869	807	1,117	1,193	1,597	1,427	1,524	1,514	1,589
Total Liabilities & Shareholders' Equity	1,974	1,603	1,421	1,397	1,583	1,751	2,993	2,764	2,721	2,650	3,276
Total Liabilities	1,591	1,338	1,148	1,110	1,124	1,159	2,480	2,238	2,161	2,021	2,580
Total Current Liabilities	429	440	388	451	444	507	498	476	500	420	615
Accounts Payable	96	108	90	114	168	186	136	155	177	115	154
Accrued Expenses	333	332	298	337	276	321	363	321	323	304	461
Total Noncurrent Liabilities	1,162	897	760	659	680	652	1,982	1,762	1,661	1,601	1,965
Long-Term Debt	-	-	-	540	231	190	-	1,369	1,307	1,310	1,570
Noncurrent Deferred & Payable Income Tax Liabilities	206	173	87	119	164	176	114	88	61	18	109
Other Noncurrent Operating Liabilities	956	724	673	0.00	285	285	1,868	306	293	273	287
Total Equity & Noncontrolling Interests	384	265	272	287	459	842	513	525	560	629	696
Total Preferred & Common Equity	384	265	272	287	459	592	513	525	560	629	696
Total Common Equity	384	265	272	287	459	842	513	525	560	629	696
Common Stock	819	828	832	840	871	1,138	1,148	1,299	1,461	1,495	1,575
Retained Earnings	923	801	799	806	948	1,091	1,144	1,077	995	1,036	1,019
Treasury Stock	-1,348	-1,348	-1,348	-1,348	-1,349	-1,376	-1,766	-1,841	-1,891	-1,891	-1,891
Accumulated Other Comprehensive Income / (Loss)	-11	-16	-11	-11	-11	-11	-12	-11	-4.36	-11	-6.97

This table presents Upbound Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	2,741	2,586	2,626	2,627	2,620	2,578	3,043	3,095	3,212	3,128
Total Current Assets	324	232	272	242	255	287	348	383	496	442
Cash & Equivalents	172	87	106	85	83	85	107	107	107	98
Accounts Receivable	102	99	105	108	115	122	185	190	203	195
Inventories, net	6.11	5.09	5.54	5.90	5.46	5.57	5.06	4.60	5.36	5.05
Prepaid Expenses	45	41	56	43	52	74	51	82	181	143
Plant, Property, & Equipment, net	288	283	277	263	259	258	312	311	313	304
Total Noncurrent Assets	2,129	2,071	2,077	2,123	2,106	2,034	2,383	2,401	2,403	2,382
Goodwill	290	290	290	290	290	290	488	487	488	488
Intangible Assets	345	330	316	288	277	266	394	379	364	334
Noncurrent Deferred & Refundable Income Taxes	123	85	84	72	70	69	58	59	59	57
Other Noncurrent Operating Assets	1,371	1,365	1,387	1,473	1,469	1,409	1,442	1,476	1,492	1,502
Total Liabilities & Shareholders' Equity	2,741	2,586	2,626	2,627	2,620	2,578	3,043	3,095	3,212	3,128
Total Liabilities	2,071	1,960	2,029	2,049	2,024	1,967	2,364	2,410	2,524	2,412
Total Current Liabilities	438	411	432	428	382	407	504	527	561	563
Accounts Payable	119	104	132	120	114	125	119	111	149	111
Accrued Expenses	320	308	300	308	268	282	385	416	412	451
Total Noncurrent Liabilities	1,632	1,549	1,597	1,621	1,642	1,560	1,860	1,883	1,964	1,850
Long-Term Debt	-	1,238	1,239	1,289	1,316	1,236	1,533	1,567	1,546	1,440
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	12	58	43	42	47	52	35	131	121
Other Noncurrent Operating Liabilities	1,632	299	300	288	284	277	276	281	287	289
Total Equity & Noncontrolling Interests	670	626	597	578	596	612	679	686	687	716
Total Preferred & Common Equity	670	626	597	578	596	612	679	686	687	716
Total Common Equity	670	626	597	578	596	612	679	686	687	716
Common Stock	1,413	1,429	1,445	1,471	1,479	1,486	1,543	1,554	1,565	1,582
Retained Earnings	1,105	1,041	1,026	1,002	1,016	1,027	1,038	1,031	1,022	1,031
Treasury Stock	-1,841	-1,841	-1,868	-1,891	-1,891	-1,891	-1,891	-1,891	-1,891	-1,891
Accumulated Other Comprehensive Income / (Loss)	-7.52	-3.38	-6.11	-3.69	-7.53	-10	-11	-8.86	-8.20	-7.22

This table displays calculated financial ratios and metrics derived from Upbound Group's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	3.82%	-9.61%	-8.80%	-1.56%	0.35%	5.41%	62.87%	-7.48%	-5.99%	8.17%	8.67%
EBITDA Growth	-121.57%	424.91%	-4.72%	16.58%	25.55%	-68.47%	464.13%	-8.97%	-3.60%	16.95%	1.54%
EBIT Growth	-632.57%	93.39%	5.31%	188.27%	352.18%	-5.70%	11.64%	-43.94%	9.65%	75.01%	-23.36%
NOPAT Growth	-638.40%	93.39%	5.31%	178.03%	471.59%	12.62%	-12.13%	-84.67%	-153.43%	1,371.26%	-25.39%
Net Income Growth	-1,088.90%	88.97%	106.32%	27.64%	1,943.64%	19.92%	-35.16%	-90.84%	-141.91%	2,484.21%	-40.68%
EPS Growth	-1,092.82%	88.98%	106.06%	33.33%	1,837.50%	20.32%	-45.84%	-89.60%	-142.86%	2,555.56%	-43.44%
Operating Cash Flow Growth	1,108.57%	53.28%	-68.78%	105.83%	-5.31%	9.79%	65.88%	19.41%	-57.25%	-47.72%	191.80%
Free Cash Flow Firm Growth	3,104.84%	-92.11%	-169.19%	-490.25%	156.87%	-9.10%	79.17%	-424.74%	97.01%	349.79%	-217.93%
Invested Capital Growth	-86.45%	-47.55%	17.66%	236.47%	-7.72%	-0.70%	-34.16%	332.13%	1.34%	5.89%	14.24%
Revenue Q/Q Growth	-0.08%	-3.57%	-1.64%	0.86%	0.23%	1.76%	11.02%	0.00%	0.68%	1.38%	2.75%
EBITDA Q/Q Growth	-121.50%	349.50%	17.56%	10.71%	6.97%	-68.84%	12.55%	0.00%	2.00%	2.34%	-0.10%
EBIT Q/Q Growth	-727.74%	93.52%	62.34%	549.61%	26.07%	-5.27%	-11.19%	0.00%	9.08%	6.21%	-10.93%
NOPAT Q/Q Growth	-781.24%	93.52%	62.34%	497.44%	19.92%	7.91%	-18.08%	0.00%	-150.68%	40.10%	-3.14%
Net Income Q/Q Growth	-1,426.12%	89.03%	103.81%	-79.61%	28.82%	8.22%	-25.62%	0.00%	-159.38%	51.99%	-13.30%
EPS Q/Q Growth	-1,441.04%	89.03%	103.64%	-79.49%	27.57%	8.43%	-29.12%	0.00%	-160.00%	49.32%	-13.79%
Operating Cash Flow Q/Q Growth	12.60%	-0.71%	-3.57%	43.14%	-20.74%	-16.58%	47.21%	0.00%	-27.51%	-28.77%	51.24%
Free Cash Flow Firm Q/Q Growth	834.97%	-90.78%	-175.96%	-2,045.91%	191.37%	-55.46%	384.33%	-291.34%	97.68%	-13.15%	44.12%
Invested Capital Q/Q Growth	-85.68%	-54.88%	23.88%	288.55%	1.69%	100.33%	-41.08%	0.00%	2.45%	6.54%	0.88%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	64.61%	65.30%	63.59%	63.45%	61.58%	59.42%	48.76%	49.04%	50.73%	48.24%	48.39%
EBITDA Margin	-6.31%	22.69%	23.70%	28.07%	35.11%	10.50%	36.38%	35.80%	36.71%	39.69%	37.01%
Operating Margin	-30.74%	-2.25%	-2.33%	2.11%	9.51%	8.43%	6.12%	3.50%	4.09%	6.76%	4.76%
EBIT Margin	-30.74%	-2.25%	-2.33%	2.09%	9.43%	8.43%	5.78%	3.50%	4.09%	6.61%	4.65%
Profit (Net Income) Margin	-29.08%	-3.55%	0.25%	0.32%	6.50%	7.40%	2.94%	0.29%	-0.13%	2.86%	1.56%
Tax Burden Percent	90.25%	92.87%	-6.04%	61.35%	77.55%	93.42%	69.45%	20.10%	-9.80%	69.55%	67.76%
Interest Burden Percent	104.83%	170.09%	174.76%	24.87%	88.91%	93.87%	73.33%	41.38%	32.46%	62.29%	49.48%
Effective Tax Rate	0.00%	0.00%	0.00%	38.65%	22.45%	6.58%	30.55%	79.90%	109.80%	30.45%	32.24%
Return on Invested Capital (ROIC)	-52.08%	-18.92%	-23.92%	7.91%	30.51%	35.92%	38.20%	2.77%	-0.91%	11.11%	7.52%
ROIC Less NNEP Spread (ROIC-NNEP)	-105.05%	56.30%	-84.26%	-8.74%	21.95%	76.77%	73.92%	-0.36%	-0.02%	4.66%	1.74%
Return on Net Nonoperating Assets (RNNOA)	-55.48%	-13.52%	26.40%	-4.87%	16.05%	-3.93%	-18.29%	-0.39%	-0.05%	9.65%	3.53%
Return on Equity (ROE)	-107.56%	-32.44%	2.48%	3.04%	46.56%	31.99%	19.91%	2.38%	-0.95%	20.76%	11.06%
Cash Return on Invested Capital (CROIC)	100.20%	43.46%	-40.15%	-100.44%	38.53%	36.62%	79.40%	-122.06%	-2.24%	5.39%	-5.77%
Operating Return on Assets (OROA)	-38.43%	-3.72%	-4.17%	3.95%	16.89%	14.24%	11.17%	5.16%	5.94%	10.61%	7.37%
Return on Assets (ROA)	-36.35%	-5.88%	0.44%	0.60%	11.65%	12.49%	5.69%	0.43%	-0.19%	4.60%	2.47%
Return on Common Equity (ROCE)	-107.56%	-32.44%	2.48%	3.04%	46.56%	31.99%	19.91%	2.38%	-0.95%	20.76%	11.06%
Return on Equity Simple (ROE_SIMPLE)	-248.58%	-39.71%	2.44%	2.96%	37.81%	35.15%	26.29%	2.35%	-0.92%	19.63%	0.00%
Net Operating Profit after Tax (NOPAT)	-706	-47	-44	34	197	222	195	30	-16	203	151
NOPAT Margin	-21.52%	-1.57%	-1.63%	1.29%	7.37%	7.88%	4.25%	0.70%	-0.40%	4.70%	3.22%
Net Nonoperating Expense Percent (NNEP)	52.97%	-75.22%	60.34%	16.65%	8.56%	-40.85%	-35.72%	3.14%	-0.88%	6.45%	5.79%
Return On Investment Capital (ROIC_SIMPLE)	-183.93%	-17.60%	-16.20%	4.17%	28.54%	21.47%	37.96%	1.58%	-0.85%	10.46%	6.68%
Cost of Revenue to Revenue	35.39%	34.70%	36.41%	36.55%	38.42%	40.58%	51.24%	51.08%	49.42%	51.95%	51.61%
SG&A Expenses to Revenue	5.07%	5.70%	6.33%	6.14%	5.34%	5.44%	4.25%	23.78%	24.52%	23.75%	25.17%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	95.35%	67.55%	65.92%	61.34%	52.07%	50.99%	42.64%	45.54%	46.64%	41.48%	30.80%
Earnings before Interest and Taxes (EBIT)	-1,008	-67	-63	56	252	237	265	149	163	285	218
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-207	672	641	747	938	296	1,667	1,518	1,463	1,711	1,738
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.53	1.70	1.68	2.33	2.68	2.02	5.20	2.32	3.23	2.58	1.41
Price to Tangible Book Value (P/TBV)	3.47	2.21	2.13	2.92	3.24	2.23	0.00	0.00	0.00	19.46	0.00
Price to Revenue (P/Rev)	0.18	0.15	0.17	0.25	0.46	0.60	0.58	0.29	0.45	0.38	0.21
Price to Earnings (P/E)	0.00	0.00	68.65	78.75	7.09	8.18	19.77	98.38	0.00	13.17	13.36
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.29%	5.14%	8.88%
Earnings Yield	0.00%	0.00%	1.46%	1.27%	14.10%	12.23%	5.06%	1.02%	0.00%	7.60%	7.48%
Enterprise Value to Invested Capital (EV/IC)	1.63	2.10	1.92	1.57	2.25	2.82	6.32	1.39	1.70	1.53	1.13
Enterprise Value to Revenue (EV/Rev)	0.16	0.12	0.14	0.40	0.52	0.62	0.56	0.58	0.76	0.67	0.52
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.53	0.60	1.41	1.48	5.86	1.53	1.61	2.06	1.68	1.40
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	18.92	5.53	7.30	9.66	16.43	18.55	10.08	11.11
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	30.58	7.07	7.82	13.13	81.73	0.00	14.17	16.04
Enterprise Value to Operating Cash Flow (EV/OCF)	2.29	1.00	3.47	4.63	6.46	7.33	6.52	5.21	15.08	27.45	7.95
Enterprise Value to Free Cash Flow (EV/FCFF)	0.39	3.32	0.00	0.00	5.59	7.67	6.32	0.00	0.00	29.22	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	1.88	0.50	0.23	0.00	2.61	2.33	2.08	2.26
Long-Term Debt to Equity	0.00	0.00	0.00	1.88	0.50	0.23	0.00	2.61	2.33	2.08	2.26
Financial Leverage	0.53	-0.24	-0.31	0.56	0.73	-0.05	-0.25	1.08	2.25	2.07	2.04
Leverage Ratio	2.96	5.52	5.63	5.04	4.00	2.56	3.50	5.54	5.05	4.52	4.47
Compound Leverage Factor	3.10	9.38	9.83	1.25	3.55	2.41	2.57	2.29	1.64	2.81	2.21
Debt to Total Capital	0.00%	0.00%	0.00%	65.34%	33.47%	18.45%	0.00%	72.27%	69.99%	67.55%	69.29%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	65.34%	33.47%	18.45%	0.00%	72.27%	69.99%	67.55%	69.29%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	100.00%	100.00%	34.66%	66.53%	81.55%	100.00%	27.73%	30.01%	32.45%	30.71%
Debt to EBITDA	0.00	0.00	0.00	0.72	0.25	0.64	0.00	0.90	0.89	0.77	0.90
Net Debt to EBITDA	0.00	0.00	0.00	0.52	0.17	0.11	0.00	0.81	0.83	0.73	0.83
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.72	0.25	0.64	0.00	0.90	0.89	0.77	0.90
Debt to NOPAT	0.00	0.00	0.00	15.68	1.17	0.86	0.00	45.84	-81.90	6.46	10.37
Net Debt to NOPAT	0.00	0.00	0.00	11.17	0.81	0.14	0.00	41.02	-76.02	6.16	9.58
Long-Term Debt to NOPAT	0.00	0.00	0.00	15.68	1.17	0.86	0.00	45.84	-81.90	6.46	10.37
Altman Z-Score	0.77	2.45	2.63	3.06	3.53	3.66	2.93	2.51	2.57	2.95	2.27
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.68	0.51	0.54	0.62	0.46	0.59	0.61	0.65	0.52	0.66	0.78
Quick Ratio	0.30	0.38	0.37	0.50	0.35	0.48	0.47	0.54	0.41	0.52	0.53
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	1,357	107	-74	-437	249	226	405	-1,315	-39	98	-116
Operating Cash Flow to CapEx	355.89%	633.62%	181.73%	8,601.32%	0.00%	1,178.50%	628.22%	763.77%	393.36%	278.57%	457.43%
Free Cash Flow to Firm to Interest Expense	27.52	2.27	-1.55	-10.18	8.01	14.75	5.71	-14.99	-0.35	0.89	-1.03
Operating Cash Flow to Interest Expense	4.68	7.50	2.31	5.29	6.94	15.43	5.54	5.34	1.77	0.95	2.70
Operating Cash Flow Less CapEx to Interest Expense	3.37	6.32	1.04	5.23	8.51	14.12	4.65	4.64	1.32	0.61	2.11
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.25	1.66	1.79	1.89	1.79	1.69	1.93	1.47	1.45	1.61	1.58
Accounts Receivable Turnover	48.64	42.60	38.72	38.15	34.73	33.89	44.00	35.60	35.77	32.25	26.11
Inventory Turnover	243.69	247.85	257.12	247.44	235.49	221.39	396.56	323.43	294.36	375.87	451.82
Fixed Asset Turnover	9.88	9.15	9.02	10.45	13.61	18.29	20.38	14.05	14.03	16.36	16.64
Accounts Payable Turnover	9.74	10.05	9.91	9.52	7.28	6.45	14.60	14.88	11.84	15.31	17.98
Days Sales Outstanding (DSO)	7.50	8.57	9.43	9.57	10.51	10.77	8.30	10.25	10.20	11.32	13.98
Days Inventory Outstanding (DIO)	1.50	1.47	1.42	1.48	1.55	1.65	0.92	1.13	1.24	0.97	0.81
Days Payable Outstanding (DPO)	37.47	36.31	36.83	38.33	50.16	56.60	25.00	24.53	30.82	23.85	20.30
Cash Conversion Cycle (CCC)	-28.47	-26.27	-25.98	-27.28	-38.10	-44.18	-15.79	-13.15	-19.38	-11.56	-5.51
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	323	170	199	671	619	615	405	1,750	1,773	1,878	2,145
Invested Capital Turnover	2.42	12.03	14.65	6.11	4.14	4.56	8.99	3.94	2.26	2.36	2.33
Increase / (Decrease) in Invested Capital	-2,063	-154	30	472	-52	-4.31	-210	1,345	23	104	267
Enterprise Value (EV)	528	356	384	1,053	1,391	1,733	2,559	2,440	3,020	2,874	2,428
Market Capitalization	589	451	457	669	1,231	1,702	2,667	1,216	1,807	1,626	979
Book Value per Share	$7.23	$4.98	$5.11	$5.35	$8.38	$15.55	$7.76	$9.42	$10.32	$11.50	$12.02
Tangible Book Value per Share	$3.20	$3.85	$4.03	$4.28	$6.94	$14.10	($3.05)	($2.23)	($0.57)	$1.53	($2.45)
Total Capital	384	265	272	827	690	1,033	513	1,894	1,867	1,939	2,266
Total Debt	0.00	0.00	0.00	540	231	190	0.00	1,369	1,307	1,310	1,570
Total Long-Term Debt	0.00	0.00	0.00	540	231	190	0.00	1,369	1,307	1,310	1,570
Net Debt	-60	-95	-73	385	160	31	-108	1,225	1,213	1,249	1,449
Capital Expenditures (CapEx)	65	56	61	2.65	-49	20	62	61	51	38	67
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-196	-312	-250	-326	-309	-369	-302	-311	-332	-204	-254
Debt-free Net Working Capital (DFNWC)	-136	-217	-177	-171	-238	-210	-194	-167	-239	-143	-133
Net Working Capital (NWC)	-136	-217	-177	-171	-238	-210	-194	-167	-239	-143	-133
Net Nonoperating Expense (NNE)	248	59	-51	26	23	14	60	18	-11	79	78
Net Nonoperating Obligations (NNO)	-60	-95	-73	385	160	-227	-108	1,225	1,213	1,249	1,449
Total Depreciation and Amortization (D&A)	801	739	704	691	686	58	1,403	1,369	1,300	1,426	1,519
Debt-free, Cash-free Net Working Capital to Revenue	-5.98%	-10.53%	-9.25%	-12.27%	-11.57%	-13.12%	-6.59%	-7.34%	-8.34%	-4.72%	-5.40%
Debt-free Net Working Capital to Revenue	-4.14%	-7.31%	-6.55%	-6.43%	-8.93%	-7.45%	-4.23%	-3.94%	-5.99%	-3.31%	-2.84%
Net Working Capital to Revenue	-4.14%	-7.31%	-6.55%	-6.43%	-8.93%	-7.45%	-4.23%	-3.94%	-5.99%	-3.31%	-2.84%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($16.34)	($1.98)	$0.12	$0.16	$3.19	$3.84	$2.37	$0.23	($0.09)	$2.26	$1.30
Adjusted Weighted Average Basic Shares Outstanding	53.09M	53.20M	53.41M	53.98M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Adjusted Diluted Earnings per Share	($16.34)	($1.98)	$0.12	$0.16	$3.10	$3.73	$2.02	$0.21	($0.09)	$2.21	$1.25
Adjusted Weighted Average Diluted Shares Outstanding	53.09M	53.20M	53.41M	53.98M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	53.09M	53.20M	53.41M	53.98M	55.23M	54.41M	59.03M	55.73M	54.42M	57.42M	58.12M
Normalized Net Operating Profit after Tax (NOPAT)	128	74	-2.69	71	150	256	396	269	266	276	151
Normalized NOPAT Margin	3.90%	2.48%	-0.10%	2.66%	5.61%	9.09%	8.64%	6.34%	6.67%	6.39%	3.22%
Pre Tax Income Margin	-32.23%	-3.82%	-4.08%	0.52%	8.38%	7.92%	4.24%	1.45%	1.33%	4.12%	2.30%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-20.43	-1.41	-1.32	1.30	8.11	15.49	3.74	1.69	1.44	2.58	1.93
NOPAT to Interest Expense	-14.30	-0.99	-0.92	0.80	6.34	14.47	2.75	0.34	-0.14	1.83	1.34
EBIT Less CapEx to Interest Expense	-21.75	-2.60	-2.58	1.23	9.68	14.18	2.86	0.99	0.99	2.24	1.34
NOPAT Less CapEx to Interest Expense	-15.62	-2.17	-2.19	0.74	7.91	13.16	1.87	-0.36	-0.59	1.49	0.75
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	-5.35%	-24.29%	192.56%	0.00%	7.90%	30.33%	52.99%	640.84%	-1,603.71%	66.65%	119.97%
Augmented Payout Ratio	-5.35%	-24.29%	192.56%	0.00%	8.64%	43.10%	342.09%	1,248.20%	-2,569.14%	66.65%	119.97%

This table displays calculated financial ratios and metrics derived from Upbound Group's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	58,117,605.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	58,117,605.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.62
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-4.38%	2.71%	7.86%	9.94%	9.17%	5.79%	7.34%	7.53%	8.97%	10.86%	3.69%
EBITDA Growth	3.64%	7.83%	44.43%	7.55%	11.75%	11.58%	4.84%	-0.11%	0.87%	0.71%	5.54%
EBIT Growth	56.57%	32.02%	275.90%	-11.88%	20.68%	41.61%	1.38%	-31.49%	-31.69%	-27.68%	23.67%
NOPAT Growth	153.93%	-425.99%	313.58%	187.38%	507.41%	296.73%	-16.72%	-41.69%	-28.31%	-16.08%	23.65%
Net Income Growth	175.51%	-525.16%	-41.50%	174.42%	607.31%	375.30%	-10.45%	-54.39%	-57.16%	-36.28%	44.35%
EPS Growth	180.00%	-400.00%	-40.48%	173.49%	587.50%	405.56%	-16.00%	-57.38%	-60.00%	-36.36%	45.24%
Operating Cash Flow Growth	-37.60%	-134.86%	-56.91%	-58.84%	36.19%	-215.21%	203.24%	-48.05%	11.52%	167.13%	15.32%
Free Cash Flow Firm Growth	-356.25%	96.54%	-195.02%	116.62%	101.01%	-28.03%	77.41%	-4,717.65%	-1,982.69%	-286.71%	136.52%
Invested Capital Growth	0.00%	1.34%	257.47%	2.98%	1.82%	5.89%	18.06%	17.26%	20.65%	14.24%	-2.26%
Revenue Q/Q Growth	-0.01%	3.38%	8.27%	-1.78%	-0.71%	0.18%	9.86%	-1.60%	0.62%	2.72%	1.95%
EBITDA Q/Q Growth	-4.02%	3.16%	4.54%	3.91%	-0.27%	3.00%	-1.77%	-1.00%	0.71%	2.83%	2.95%
EBIT Q/Q Growth	-30.92%	-3.72%	10.50%	19.90%	-5.39%	12.98%	-20.90%	-18.97%	-5.67%	19.61%	35.27%
NOPAT Q/Q Growth	111.94%	-384.38%	329.00%	12.33%	-16.97%	-7.90%	-3.06%	-21.35%	2.09%	7.83%	42.82%
Net Income Q/Q Growth	109.56%	-357.94%	346.02%	22.62%	-9.10%	0.40%	-19.98%	-37.54%	-14.62%	49.33%	81.27%
EPS Q/Q Growth	109.64%	-325.00%	377.78%	22.00%	-9.84%	0.00%	-23.64%	-38.10%	-15.38%	59.09%	74.29%
Operating Cash Flow Q/Q Growth	113.40%	-125.20%	331.13%	-66.89%	606.15%	-158.33%	322.35%	-94.33%	1,415.70%	-64.89%	310.40%
Free Cash Flow Firm Q/Q Growth	-4,598.77%	97.31%	-2,556.41%	100.49%	186.61%	-439.84%	-368.76%	-1.13%	-16.86%	30.19%	144.26%
Invested Capital Q/Q Growth	-2.57%	2.45%	0.52%	2.63%	-3.67%	6.54%	12.07%	1.94%	-0.88%	0.88%	-4.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	50.78%	50.64%	48.27%	49.42%	47.82%	47.46%	46.77%	49.40%	48.34%	49.04%	48.08%
EBITDA Margin	39.12%	39.04%	37.69%	39.87%	40.05%	41.18%	36.82%	37.04%	37.07%	37.11%	37.48%
Operating Margin	5.93%	5.52%	5.64%	7.49%	6.55%	7.39%	5.32%	4.38%	4.53%	4.78%	6.35%
EBIT Margin	5.93%	5.52%	5.64%	6.88%	6.55%	7.39%	5.32%	4.38%	4.11%	4.78%	6.35%
Profit (Net Income) Margin	0.45%	-1.11%	2.53%	3.15%	2.89%	2.89%	2.11%	1.34%	1.14%	1.65%	2.93%
Tax Burden Percent	13.89%	-41.01%	85.00%	73.11%	69.89%	56.97%	69.82%	67.77%	66.54%	66.12%	69.80%
Interest Burden Percent	54.12%	49.09%	52.74%	62.70%	63.03%	68.70%	56.71%	45.04%	41.52%	52.16%	66.21%
Effective Tax Rate	86.11%	141.01%	15.00%	26.89%	30.11%	43.03%	30.18%	32.23%	33.46%	33.88%	30.20%
Return on Invested Capital (ROIC)	3.77%	-5.13%	17.08%	12.65%	11.16%	9.95%	8.40%	6.69%	7.08%	7.38%	10.09%
ROIC Less NNEP Spread (ROIC-NNEP)	3.11%	-4.17%	12.27%	10.55%	9.57%	8.80%	6.96%	5.28%	5.39%	6.04%	8.77%
Return on Net Nonoperating Assets (RNNOA)	5.91%	-9.36%	10.15%	20.59%	18.08%	18.22%	14.55%	11.10%	10.75%	12.31%	17.40%
Return on Equity (ROE)	9.68%	-14.48%	27.23%	33.24%	29.24%	28.17%	22.95%	17.78%	17.83%	19.69%	27.49%
Cash Return on Invested Capital (CROIC)	-196.36%	-2.24%	-116.38%	2.71%	6.49%	5.39%	-6.51%	-7.29%	-10.68%	-5.77%	10.07%
Operating Return on Assets (OROA)	17.88%	8.03%	8.54%	11.00%	10.71%	11.87%	8.25%	6.86%	6.49%	7.58%	9.75%
Return on Assets (ROA)	1.34%	-1.62%	3.83%	5.04%	4.72%	4.65%	3.27%	2.09%	1.79%	2.61%	4.51%
Return on Common Equity (ROCE)	9.68%	-14.48%	27.23%	33.24%	29.24%	28.17%	22.95%	17.78%	17.83%	19.69%	27.49%
Return on Equity Simple (ROE_SIMPLE)	1.46%	0.00%	-4.29%	9.18%	13.28%	0.00%	17.75%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	8.06	-23	52	59	49	45	44	34	35	38	54
NOPAT Margin	0.82%	-2.26%	4.79%	5.48%	4.58%	4.21%	3.72%	2.97%	3.01%	3.16%	4.43%
Net Nonoperating Expense Percent (NNEP)	0.65%	-0.96%	4.81%	2.10%	1.59%	1.15%	1.44%	1.40%	1.69%	1.34%	1.32%
Return On Investment Capital (ROIC_SIMPLE)	0.44%	-1.23%	2.81%	3.08%	2.65%	2.33%	1.98%	1.53%	1.57%	1.67%	2.51%
Cost of Revenue to Revenue	49.22%	34.48%	66.15%	50.58%	52.18%	38.56%	53.23%	50.60%	51.66%	50.96%	51.92%
SG&A Expenses to Revenue	25.06%	25.48%	24.54%	23.93%	23.15%	23.36%	24.04%	25.36%	25.10%	26.18%	25.20%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	44.85%	75.59%	28.21%	27.41%	41.26%	69.42%	28.76%	32.14%	30.79%	31.52%	29.51%
Earnings before Interest and Taxes (EBIT)	58	56	62	74	70	79	63	51	48	57	77
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	383	395	413	429	428	441	433	429	432	444	457
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.56	3.23	3.24	2.80	2.84	2.58	1.93	2.01	1.92	1.41	1.38
Price to Tangible Book Value (P/TBV)	0.00	0.00	31,752.75	57.15	31.14	19.46	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	0.39	0.45	0.46	0.40	0.41	0.38	0.30	0.31	0.29	0.21	0.21
Price to Earnings (P/E)	175.60	0.00	0.00	30.51	21.42	13.17	10.89	13.48	15.59	13.36	11.69
Dividend Yield	2.47%	4.29%	4.13%	4.84%	4.64%	5.14%	6.36%	6.24%	6.60%	8.88%	8.83%
Earnings Yield	0.57%	0.00%	0.00%	3.28%	4.67%	7.60%	9.18%	7.42%	6.42%	7.48%	8.56%
Enterprise Value to Invested Capital (EV/IC)	1.54	1.70	1.73	1.59	1.64	1.53	1.30	1.32	1.30	1.13	1.13
Enterprise Value to Revenue (EV/Rev)	0.67	0.76	0.76	0.70	0.68	0.67	0.62	0.63	0.60	0.52	0.49
Enterprise Value to EBITDA (EV/EBITDA)	1.86	2.06	1.94	1.78	1.73	1.68	1.58	1.64	1.58	1.40	1.32
Enterprise Value to EBIT (EV/EBIT)	17.85	18.55	11.85	11.33	10.77	10.08	9.36	10.80	11.24	11.11	9.97
Enterprise Value to NOPAT (EV/NOPAT)	84.66	0.00	0.00	28.52	19.97	14.17	14.02	16.59	17.64	16.04	14.36
Enterprise Value to Operating Cash Flow (EV/OCF)	9.65	15.08	21.94	24.44	19.67	27.45	13.90	14.94	13.64	7.95	7.09
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	59.35	25.52	29.22	0.00	0.00	0.00	0.00	11.10
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.08	2.33	2.23	2.21	2.02	2.08	2.26	2.29	2.25	2.26	2.01
Long-Term Debt to Equity	2.08	2.33	2.23	2.21	2.02	2.08	2.26	2.29	2.25	2.26	2.01
Financial Leverage	1.90	2.25	0.83	1.95	1.89	2.07	2.09	2.10	1.99	2.04	1.98
Leverage Ratio	4.40	5.05	4.30	4.26	4.30	4.52	4.51	4.46	4.46	4.47	4.42
Compound Leverage Factor	2.38	2.48	2.27	2.67	2.71	3.10	2.56	2.01	1.85	2.33	2.93
Debt to Total Capital	67.48%	69.99%	69.03%	68.81%	66.88%	67.55%	69.29%	69.56%	69.23%	69.29%	66.79%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	67.48%	69.99%	69.03%	68.81%	66.88%	67.55%	69.29%	69.56%	69.23%	69.29%	66.79%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	32.52%	30.01%	30.97%	31.19%	33.12%	32.45%	30.71%	30.44%	30.78%	30.71%	33.21%
Debt to EBITDA	0.86	0.89	0.81	0.81	0.74	0.77	0.88	0.91	0.89	0.90	0.82
Net Debt to EBITDA	0.79	0.83	0.76	0.76	0.69	0.73	0.82	0.84	0.83	0.83	0.76
Long-Term Debt to EBITDA	0.86	0.89	0.81	0.81	0.74	0.77	0.88	0.91	0.89	0.90	0.82
Debt to NOPAT	39.37	-81.90	-29.64	12.92	8.54	6.46	7.84	9.17	9.89	10.37	8.89
Net Debt to NOPAT	36.01	-76.02	-27.69	12.11	7.95	6.16	7.29	8.54	9.21	9.58	8.28
Long-Term Debt to NOPAT	39.37	-81.90	-29.64	12.92	8.54	6.46	7.84	9.17	9.89	10.37	8.89
Altman Z-Score	2.51	2.44	2.62	2.66	2.77	2.69	2.26	2.25	2.21	2.10	2.26
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.63	0.52	0.56	0.67	0.70	0.66	0.69	0.73	0.89	0.78	0.79
Quick Ratio	0.49	0.41	0.45	0.52	0.51	0.52	0.58	0.56	0.55	0.53	0.52
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,723	-46	-1,231	6.09	17	-59	-278	-281	-329	-230	102
Operating Cash Flow to CapEx	528.23%	-133.09%	387.55%	104.56%	0.00%	-526.88%	1,303.70%	42.87%	578.19%	237.26%	1,115.94%
Free Cash Flow to Firm to Interest Expense	-61.78	-1.59	-41.06	0.21	0.65	-2.33	-10.01	-9.86	-11.47	-8.20	3.78
Operating Cash Flow to Interest Expense	2.80	-0.67	1.51	0.53	3.96	-2.44	4.95	0.27	4.13	1.49	6.35
Operating Cash Flow Less CapEx to Interest Expense	2.27	-1.18	1.12	0.02	3.97	-2.90	4.57	-0.37	3.42	0.86	5.78
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	3.02	1.45	1.52	1.60	1.63	1.61	1.55	1.57	1.58	1.58	1.54
Accounts Receivable Turnover	0.00	35.77	38.69	38.92	37.57	32.25	29.96	29.33	28.14	26.11	24.93
Inventory Turnover	0.00	294.36	337.93	398.54	391.82	375.87	390.84	434.17	407.21	451.82	480.98
Fixed Asset Turnover	0.00	14.03	14.77	15.35	15.89	16.36	15.28	15.69	16.01	16.64	15.36
Accounts Payable Turnover	0.00	11.84	17.01	19.31	16.92	15.31	17.93	19.41	16.27	17.98	21.09
Days Sales Outstanding (DSO)	0.00	10.20	9.43	9.38	9.71	11.32	12.18	12.44	12.97	13.98	14.64
Days Inventory Outstanding (DIO)	0.00	1.24	1.08	0.92	0.93	0.97	0.93	0.84	0.90	0.81	0.76
Days Payable Outstanding (DPO)	0.00	30.82	21.45	18.90	21.57	23.85	20.36	18.80	22.44	20.30	17.31
Cash Conversion Cycle (CCC)	0.00	-19.38	-10.94	-8.61	-10.92	-11.56	-7.25	-5.52	-8.57	-5.51	-1.91
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,731	1,773	1,783	1,829	1,762	1,878	2,104	2,145	2,126	2,145	2,057
Invested Capital Turnover	4.58	2.26	3.57	2.31	2.44	2.36	2.26	2.25	2.35	2.33	2.28
Increase / (Decrease) in Invested Capital	1,731	23	1,284	53	32	104	322	316	364	267	-48
Enterprise Value (EV)	2,665	3,020	3,078	2,903	2,891	2,874	2,739	2,836	2,756	2,428	2,326
Market Capitalization	1,532	1,807	1,873	1,670	1,740	1,626	1,314	1,376	1,317	979	984
Book Value per Share	$10.67	$10.32	$10.59	$10.92	$11.19	$11.50	$11.83	$11.86	$11.87	$12.02	$12.32
Tangible Book Value per Share	($0.15)	($0.57)	$0.00	$0.54	$1.02	$1.53	($3.53)	($3.12)	($2.84)	($2.45)	($1.84)
Total Capital	1,837	1,867	1,867	1,912	1,847	1,939	2,212	2,252	2,233	2,266	2,155
Total Debt	1,239	1,307	1,289	1,316	1,236	1,310	1,533	1,567	1,546	1,570	1,440
Total Long-Term Debt	1,239	1,307	1,289	1,316	1,236	1,310	1,533	1,567	1,546	1,570	1,440
Net Debt	1,134	1,213	1,204	1,233	1,151	1,249	1,425	1,460	1,439	1,449	1,341
Capital Expenditures (CapEx)	15	15	12	14	-0.27	12	11	18	20	18	15
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-266	-332	-271	-209	-205	-204	-263	-250	-171	-254	-219
Debt-free Net Working Capital (DFNWC)	-160	-239	-186	-127	-120	-143	-156	-143	-64	-133	-121
Net Working Capital (NWC)	-160	-239	-186	-127	-120	-143	-156	-143	-64	-133	-121
Net Nonoperating Expense (NNE)	3.70	-12	25	25	18	14	19	19	22	18	18
Net Nonoperating Obligations (NNO)	1,134	1,213	1,204	1,233	1,151	1,249	1,425	1,460	1,439	1,449	1,341
Total Depreciation and Amortization (D&A)	325	339	351	355	358	362	370	378	384	387	380
Debt-free, Cash-free Net Working Capital to Revenue	-6.72%	-8.34%	-6.67%	-5.03%	-4.82%	-4.72%	-5.99%	-5.59%	-3.75%	-5.40%	-4.63%
Debt-free Net Working Capital to Revenue	-4.05%	-5.99%	-4.58%	-3.05%	-2.82%	-3.31%	-3.55%	-3.20%	-1.41%	-2.84%	-2.55%
Net Working Capital to Revenue	-4.05%	-5.99%	-4.58%	-3.05%	-2.82%	-3.31%	-3.55%	-3.20%	-1.41%	-2.84%	-2.55%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.08	($0.20)	$0.51	$0.62	$0.56	$0.57	$0.44	$0.27	$0.23	$0.36	$0.62
Adjusted Weighted Average Basic Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Adjusted Diluted Earnings per Share	$0.08	($0.18)	$0.50	$0.61	$0.55	$0.55	$0.42	$0.26	$0.22	$0.35	$0.61
Adjusted Weighted Average Diluted Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	54.29M	54.42M	54.63M	54.68M	54.70M	57.42M	57.83M	57.90M	57.91M	58.12M	58.29M
Normalized Net Operating Profit after Tax (NOPAT)	61	39	75	59	69	45	44	34	35	38	54
Normalized NOPAT Margin	6.23%	3.87%	6.87%	5.48%	6.42%	4.21%	3.72%	2.97%	3.01%	3.16%	4.43%
Pre Tax Income Margin	3.21%	2.71%	2.97%	4.31%	4.13%	5.08%	3.02%	1.97%	1.71%	2.50%	4.20%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.08	1.92	2.06	2.61	2.61	3.11	2.25	1.78	1.67	2.04	2.88
NOPAT to Interest Expense	0.29	-0.79	1.75	2.08	1.83	1.77	1.57	1.21	1.22	1.35	2.01
EBIT Less CapEx to Interest Expense	1.55	1.41	1.67	2.10	2.62	2.65	1.87	1.14	0.96	1.42	2.31
NOPAT Less CapEx to Interest Expense	-0.24	-1.29	1.36	1.57	1.84	1.31	1.19	0.57	0.51	0.73	1.44
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	953.27%	-1,603.71%	-318.40%	146.99%	99.34%	66.65%	68.17%	82.29%	101.77%	119.97%	106.34%
Augmented Payout Ratio	1,747.86%	-2,569.14%	-318.40%	146.99%	131.29%	66.65%	68.17%	82.29%	101.77%	119.97%	106.34%

Financials Breakdown Chart

Key Financial Trends

Note: The data provided appears to cover UPBOUND GROUP, INC. (ticker: UPBD), not Rent-A-Center, INC. (RCII). I’ve analyzed UPBD’s quarterly statements (Q1–Q4 2025, and prior years) to identify notable four-year trends and year-over-year changes, focusing on revenue, profitability, cash flow, and balance-sheet leverage for retail-investor readers.

Revenue growth in Q4 2025 vs Q4 2024: Total Revenue increased from about $1.071B in Q4 2024 to $1.196B in Q4 2025 (roughly +11.6% YoY).
Gross-margin improvement: Q4 2025 gross margin rose to about 49.0% (586.7M gross profit on 1.196B revenue) versus roughly 47.7–47.5% in late-2024 periods, signaling improved product/service profitability.
Consistent quarterly profitability in 2025: Net income attributable to common shareholders remained positive across the 2025 quarters (e.g., Q4 2025: ~$19.7M; Q3 2025: ~$13.2M; Q2 2025: ~$15.5M; Q1 2025: ~$24.8M).
Solid operating cash flow in 2025: Positive net cash from continuing operating activities, with Q3 2025 at about $118.4M and Q4 2025 at about $41.6M, indicating strong cash generation from core operations.
Free cash flow generation in Q4 2025: Free cash flow for the quarter was roughly $24.0M (approx. $41.6M operating cash flow minus ~$17.5M capex), supporting potential reinvestment or shareholder-friendly actions.
Debt activity and leverage: Notable debt issuance in 2025 (e.g., Q3 2025 issuing about $132M; Q4 2025 issuing about $95M) suggests ongoing balance-sheet financing, which could increase leverage over time.
Liquidity near-term pressures in some quarters: Working-capital metrics show current assets generally below current liabilities in the period (e.g., Q3 2025: current assets ~$496M vs. current liabilities ~$561M), implying modest near-term liquidity pressure if trends worsen.
Earnings per share volatility: Basic and diluted EPS have fluctuated by quarter (Q4 2025 basic EPS ~0.36, diluted ~0.35; earlier periods show variability toward $0.23–$0.57 range), indicating earnings volatility despite positive net income in several quarters.
High debt burden relative to equity: As of Q3 2025, total liabilities (~$2.52B) far exceed total equity (~$0.687B), giving a debt-to-equity ratio around 3.6–3.7x and highlighting meaningful leverage risks.
Treasury stock impact on equity: A substantial Treasury Stock balance reduces total shareholder equity, contributing to a thinner equity base amid large liabilities.

05/05/26 08:33 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Upbound Group's Financials

When does Upbound Group's financial year end?

According to the most recent income statement we have on file, Upbound Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Upbound Group's net income changed over the last 10 years?

Upbound Group's net income appears to be on a downward trend, with a most recent value of $73.24 million in 2025, falling from -$953.52 million in 2015. The previous period was $123.48 million in 2024. See where experts think Upbound Group is headed by visiting Upbound Group's forecast page.

What is Upbound Group's operating income?

Upbound Group's total operating income in 2025 was $223.35 million, based on the following breakdown:

Total Gross Profit: $2.27 billion
Total Operating Expenses: $1.45 billion

How has Upbound Group's revenue changed over the last 10 years?

Over the last 10 years, Upbound Group's total revenue changed from $3.28 billion in 2015 to $4.70 billion in 2025, a change of 43.2%.

How much debt does Upbound Group have?

Upbound Group's total liabilities were at $2.58 billion at the end of 2025, a 27.7% increase from 2024, and a 62.2% increase since 2015.

How much cash does Upbound Group have?

In the past 10 years, Upbound Group's cash and equivalents has ranged from $60.36 million in 2015 to $159.45 million in 2020, and is currently $120.53 million as of their latest financial filing in 2025.

How has Upbound Group's book value per share changed over the last 10 years?

Over the last 10 years, Upbound Group's book value per share changed from 7.23 in 2015 to 12.02 in 2025, a change of 66.2%.

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Financial statements for NASDAQ:UPBD last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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