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Upbound Group (UPBD) Financials

Upbound Group logo
$18.67 -0.13 (-0.69%)
Closing price 09/3/2026 04:00 PM Eastern
Extended Trading
$18.66 -0.01 (-0.03%)
As of 08:07 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Upbound Group

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

Quarterly Income Statements for Upbound Group

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 -11 28 34 31 31 25 15 13 20 36 22
Consolidated Net Income / (Loss)		 -11 28 34 31 31 25 15 13 20 36 22
Net Income / (Loss) Continuing Operations		 -11 28 34 31 31 25 15 13 20 36 22
Total Pre-Tax Income 		27 33 46 44 54 36 23 20 30 51 29
Total Operating Income		 56 62 81 70 79 63 51 53 57 77 54
Total Gross Profit		 513 529 532 511 508 550 572 563 587 586 595
Total Revenue		 1,012 1,096 1,077 1,069 1,071 1,176 1,158 1,165 1,196 1,220 1,158
Operating Revenue		 1,012 1,088 1,069 1,061 1,071 1,167 1,149 1,157 1,189 1,214 1,158
Total Cost of Revenue		 349 725 545 558 413 626 735 602 610 633 569
Operating Cost of Revenue		 197 725 701 710 257 775 735 753 762 782 569
Total Operating Expenses		 765 309 295 288 743 338 372 359 377 360 541
Selling, General & Admin Expense		 258 269 258 247 250 283 294 292 313 307 320
Depreciation Expense		 13 13 13 13 12 12 13 13 14 14 14
Other Operating Expenses / (Income)		 - - 25 28 - 43 - 53 50 38 152
Other Special Charges / (Income)		 - 27 - - - - 65 - - - 54
Total Other Income / (Expense), net		 -28 -29 -34 -26 -25 -27 -28 -33 -27 -26 -25
Interest Expense		 29 30 28 27 25 28 29 29 28 27 26
Interest & Investment Income		 0.73 0.80 0.75 0.90 0.65 0.69 0.64 0.67 0.61 0.71 0.52
Income Tax Expense		 39 4.89 12 13 23 11 7.36 6.65 10 15 7.67
Basic Earnings per Share		 ($0.20) $0.51 $0.62 $0.56 $0.57 $0.44 $0.27 $0.23 $0.36 $0.62 $0.37
Weighted Average Basic Shares Outstanding		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M
Diluted Earnings per Share		 ($0.18) $0.50 $0.61 $0.55 $0.55 $0.42 $0.26 $0.22 $0.35 $0.61 $0.37
Weighted Average Diluted Shares Outstanding		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M
Weighted Average Basic & Diluted Shares Outstanding		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M

Annual Cash Flow Statements for Upbound Group

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

Quarterly Cash Flow Statements for Upbound Group

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -12 -8.91 -2.28 2.54 -24 46 -0.48 0.18 14 -22 6.89
Net Cash From Operating Activities		 -20 45 15 106 -62 148 7.81 118 42 171 123
Net Cash From Continuing Operating Activities		 -20 45 15 106 -62 148 7.81 118 42 171 123
Net Income / (Loss) Continuing Operations		 -11 28 34 31 31 25 15 13 20 36 22
Consolidated Net Income / (Loss)		 -11 28 34 31 31 25 15 13 20 36 22
Depreciation Expense		 323 337 343 346 349 356 362 368 371 364 356
Amortization Expense		 16 14 13 12 12 15 16 16 16 16 16
Non-Cash Adjustments To Reconcile Net Income		 -424 -251 -308 -278 -430 -234 -337 -329 -418 -220 -266
Changes in Operating Assets and Liabilities, net		 76 -83 -66 -4.23 -25 -13 -48 50 53 -25 -4.08
Net Cash From Investing Activities		 -15 -12 -14 -1.23 -14 -296 -19 -70 -29 -34 -39
Net Cash From Continuing Investing Activities		 -15 -12 -14 -1.23 -14 -296 -19 -70 -29 -34 -39
Purchase of Property, Plant & Equipment		 -17 -12 -14 -18 -12 -11 -18 -21 -18 -16 -15
Sale of Property, Plant & Equipment		 2.47 0.10 0.04 18 0.33 0.01 0.02 0.02 0.01 0.67 0.01
Other Investing Activities, net		 - - - - -1.00 -10 - - -10 -19 -24
Net Cash From Financing Activities		 22 -43 -1.51 -102 52 194 10 -49 0.50 -159 -78
Net Cash From Continuing Financing Activities		 22 -43 -1.51 -102 52 194 10 -49 0.50 -159 -78
Repayment of Debt		 -4.38 -79 -86 -131 -32 -237 -57 -159 -72 -236 -117
Payment of Dividends		 -19 -21 -20 -20 -20 -21 -22 -22 -22 -23 -23
Issuance of Debt		 70 60 105 50 105 459 90 132 95 105 100
Other Financing Activities, net		 0.65 -2.12 0.12 -0.10 -0.18 -6.22 -0.32 0.07 -0.14 -4.36 -38
Effect of Exchange Rate Changes		 0.76 0.19 - -0.88 -0.43 -0.03 0.80 0.31 0.27 -0.10 0.57

Annual Balance Sheets for Upbound Group

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

Quarterly Balance Sheets for Upbound Group

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 Q2 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 6/30/2026
Total Assets		 2,741 2,586 2,626 2,627 2,620 2,578 3,043 3,095 3,212 3,128 3,104
Total Current Assets		 324 232 272 242 255 287 348 383 496 442 466
Cash & Equivalents		 172 87 106 85 83 85 107 107 107 98 105
Accounts Receivable		 102 99 105 108 115 122 185 190 203 195 205
Inventories, net		 6.11 5.09 5.54 5.90 5.46 5.57 5.06 4.60 5.36 5.05 4.40
Prepaid Expenses		 45 41 56 43 52 74 51 82 181 143 151
Plant, Property, & Equipment, net		 288 283 277 263 259 258 312 311 313 304 298
Total Noncurrent Assets		 2,129 2,071 2,077 2,123 2,106 2,034 2,383 2,401 2,403 2,382 2,339
Goodwill		 290 290 290 290 290 290 488 487 488 488 488
Intangible Assets		 345 330 316 288 277 266 394 379 364 334 319
Noncurrent Deferred & Refundable Income Taxes		 123 85 84 72 70 69 58 59 59 57 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 1,475
Total Liabilities & Shareholders' Equity		 2,741 2,586 2,626 2,627 2,620 2,578 3,043 3,095 3,212 3,128 3,104
Total Liabilities		 2,071 1,960 2,029 2,049 2,024 1,967 2,364 2,410 2,524 2,412 2,370
Total Current Liabilities		 438 411 432 428 382 407 504 527 561 563 534
Accounts Payable		 119 104 132 120 114 125 119 111 149 111 118
Accrued Expenses		 320 308 300 308 268 282 385 416 412 451 416
Total Noncurrent Liabilities		 1,632 1,549 1,597 1,621 1,642 1,560 1,860 1,883 1,964 1,850 1,836
Long-Term Debt		 - 1,238 1,239 1,289 1,316 1,236 1,533 1,567 1,546 1,440 1,424
Noncurrent Deferred & Payable Income Tax Liabilities		 0.00 12 58 43 42 47 52 35 131 121 128
Other Noncurrent Operating Liabilities		 1,632 299 300 288 284 277 276 281 287 289 285
Total Equity & Noncontrolling Interests		 670 626 597 578 596 612 679 686 687 716 733
Total Preferred & Common Equity		 670 626 597 578 596 612 679 686 687 716 733
Total Common Equity		 670 626 597 578 596 612 679 686 687 716 733
Common Stock		 1,413 1,429 1,445 1,471 1,479 1,486 1,543 1,554 1,565 1,582 1,600
Retained Earnings		 1,105 1,041 1,026 1,002 1,016 1,027 1,038 1,031 1,022 1,031 1,030
Treasury Stock		 -1,841 -1,841 -1,868 -1,891 -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 -5.92

Annual Metrics And Ratios for Upbound Group

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%

Quarterly Metrics And Ratios for Upbound Group

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 58,117,605.00 58,293,726.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 58,117,605.00 58,293,726.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.62 0.37
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.71% 7.86% 9.94% 9.17% 5.79% 7.34% 7.53% 8.97% 10.86% 3.69% 0.01%
EBITDA Growth		 7.83% 44.43% 7.55% 11.75% 11.58% 4.84% -0.11% 0.87% 0.71% 5.54% -0.55%
EBIT Growth		 32.02% 275.90% -11.88% 20.68% 41.61% 1.38% -31.49% -31.69% -27.68% 23.67% 6.95%
NOPAT Growth		 -425.99% 313.58% 187.38% 507.41% 296.73% -16.72% -41.69% -28.31% -16.08% 23.65% 16.42%
Net Income Growth		 -525.16% -41.50% 174.42% 607.31% 375.30% -10.45% -54.39% -57.16% -36.28% 44.35% 39.39%
EPS Growth		 -400.00% -40.48% 173.49% 587.50% 405.56% -16.00% -57.38% -60.00% -36.36% 45.24% 42.31%
Operating Cash Flow Growth		 -134.86% -56.91% -58.84% 36.19% -215.21% 203.24% -48.05% 11.52% 167.13% 15.32% 372.68%
Free Cash Flow Firm Growth		 96.54% -195.02% 116.62% 101.01% -28.03% 77.41% -4,717.65% -1,982.69% -286.71% 136.52% 147.49%
Invested Capital Growth		 1.34% 257.47% 2.98% 1.82% 5.89% 18.06% 17.26% 20.65% 14.24% -2.26% -4.36%
Revenue Q/Q Growth		 3.38% 8.27% -1.78% -0.71% 0.18% 9.86% -1.60% 0.62% 2.72% 1.95% -5.09%
EBITDA Q/Q Growth		 3.16% 4.54% 3.91% -0.27% 3.00% -1.77% -1.00% 0.71% 2.83% 2.95% -6.72%
EBIT Q/Q Growth		 -3.72% 10.50% 19.90% -5.39% 12.98% -20.90% -18.97% -5.67% 19.61% 35.27% -29.93%
NOPAT Q/Q Growth		 -384.38% 329.00% 12.33% -16.97% -7.90% -3.06% -21.35% 2.09% 7.83% 42.82% -25.95%
Net Income Q/Q Growth		 -357.94% 346.02% 22.62% -9.10% 0.40% -19.98% -37.54% -14.62% 49.33% 81.27% -39.69%
EPS Q/Q Growth		 -325.00% 377.78% 22.00% -9.84% 0.00% -23.64% -38.10% -15.38% 59.09% 74.29% -39.34%
Operating Cash Flow Q/Q Growth		 -125.20% 331.13% -66.89% 606.15% -158.33% 322.35% -94.33% 1,415.70% -64.89% 310.40% -27.75%
Free Cash Flow Firm Q/Q Growth		 97.31% -2,556.41% 100.49% 186.61% -439.84% -368.76% -1.13% -16.86% 30.19% 144.26% 31.53%
Invested Capital Q/Q Growth		 2.45% 0.52% 2.63% -3.67% 6.54% 12.07% 1.94% -0.88% 0.88% -4.11% -0.26%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 50.64% 48.27% 49.42% 47.82% 47.46% 46.77% 49.40% 48.34% 49.04% 48.08% 51.38%
EBITDA Margin		 39.04% 37.69% 39.87% 40.05% 41.18% 36.82% 37.04% 37.07% 37.11% 37.48% 36.83%
Operating Margin		 5.52% 5.64% 7.49% 6.55% 7.39% 5.32% 4.38% 4.53% 4.78% 6.35% 4.69%
EBIT Margin		 5.52% 5.64% 6.88% 6.55% 7.39% 5.32% 4.38% 4.11% 4.78% 6.35% 4.69%
Profit (Net Income) Margin		 -1.11% 2.53% 3.15% 2.89% 2.89% 2.11% 1.34% 1.14% 1.65% 2.93% 1.86%
Tax Burden Percent		 -41.01% 85.00% 73.11% 69.89% 56.97% 69.82% 67.77% 66.54% 66.12% 69.80% 73.77%
Interest Burden Percent		 49.09% 52.74% 62.70% 63.03% 68.70% 56.71% 45.04% 41.52% 52.16% 66.21% 53.92%
Effective Tax Rate		 141.01% 15.00% 26.89% 30.11% 43.03% 30.18% 32.23% 33.46% 33.88% 30.20% 26.23%
Return on Invested Capital (ROIC)		 -5.13% 17.08% 12.65% 11.16% 9.95% 8.40% 6.69% 7.08% 7.38% 10.09% 7.81%
ROIC Less NNEP Spread (ROIC-NNEP)		 -4.17% 12.27% 10.55% 9.57% 8.80% 6.96% 5.28% 5.39% 6.04% 8.77% 6.48%
Return on Net Nonoperating Assets (RNNOA)		 -9.36% 10.15% 20.59% 18.08% 18.22% 14.55% 11.10% 10.75% 12.31% 17.40% 12.69%
Return on Equity (ROE)		 -14.48% 27.23% 33.24% 29.24% 28.17% 22.95% 17.78% 17.83% 19.69% 27.49% 20.49%
Cash Return on Invested Capital (CROIC)		 -2.24% -116.38% 2.71% 6.49% 5.39% -6.51% -7.29% -10.68% -5.77% 10.07% 12.45%
Operating Return on Assets (OROA)		 8.03% 8.54% 11.00% 10.71% 11.87% 8.25% 6.86% 6.49% 7.58% 9.75% 7.17%
Return on Assets (ROA)		 -1.62% 3.83% 5.04% 4.72% 4.65% 3.27% 2.09% 1.79% 2.61% 4.51% 2.85%
Return on Common Equity (ROCE)		 -14.48% 27.23% 33.24% 29.24% 28.17% 22.95% 17.78% 17.83% 19.69% 27.49% 20.49%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -4.29% 9.18% 13.28% 0.00% 17.75% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -23 52 59 49 45 44 34 35 38 54 40
NOPAT Margin		 -2.26% 4.79% 5.48% 4.58% 4.21% 3.72% 2.97% 3.01% 3.16% 4.43% 3.46%
Net Nonoperating Expense Percent (NNEP)		 -0.96% 4.81% 2.10% 1.59% 1.15% 1.44% 1.40% 1.69% 1.34% 1.32% 1.33%
Return On Investment Capital (ROIC_SIMPLE)		 -1.23% 2.81% 3.08% 2.65% 2.33% 1.98% 1.53% 1.57% 1.67% 2.51% 1.86%
Cost of Revenue to Revenue		 34.48% 66.15% 50.58% 52.18% 38.56% 53.23% 50.60% 51.66% 50.96% 51.92% 49.11%
SG&A Expenses to Revenue		 25.48% 24.54% 23.93% 23.15% 23.36% 24.04% 25.36% 25.10% 26.18% 25.20% 27.64%
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		 75.59% 28.21% 27.41% 41.26% 69.42% 28.76% 32.14% 30.79% 31.52% 29.51% 46.69%
Earnings before Interest and Taxes (EBIT)		 56 62 74 70 79 63 51 48 57 77 54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 395 413 429 428 441 433 429 432 444 457 426
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 3.23 3.24 2.80 2.84 2.58 1.93 2.01 1.92 1.41 1.38 1.61
Price to Tangible Book Value (P/TBV)		 0.00 31,752.75 57.15 31.14 19.46 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.45 0.46 0.40 0.41 0.38 0.30 0.31 0.29 0.21 0.21 0.25
Price to Earnings (P/E)		 0.00 0.00 30.51 21.42 13.17 10.89 13.48 15.59 13.36 11.69 13.09
Dividend Yield		 4.29% 4.13% 4.84% 4.64% 5.14% 6.36% 6.24% 6.60% 8.88% 8.83% 7.35%
Earnings Yield		 0.00% 0.00% 3.28% 4.67% 7.60% 9.18% 7.42% 6.42% 7.48% 8.56% 7.64%
Enterprise Value to Invested Capital (EV/IC)		 1.70 1.73 1.59 1.64 1.53 1.30 1.32 1.30 1.13 1.13 1.22
Enterprise Value to Revenue (EV/Rev)		 0.76 0.76 0.70 0.68 0.67 0.62 0.63 0.60 0.52 0.49 0.53
Enterprise Value to EBITDA (EV/EBITDA)		 2.06 1.94 1.78 1.73 1.68 1.58 1.64 1.58 1.40 1.32 1.42
Enterprise Value to EBIT (EV/EBIT)		 18.55 11.85 11.33 10.77 10.08 9.36 10.80 11.24 11.11 9.97 10.35
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 28.52 19.97 14.17 14.02 16.59 17.64 16.04 14.36 14.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.08 21.94 24.44 19.67 27.45 13.90 14.94 13.64 7.95 7.09 5.88
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 59.35 25.52 29.22 0.00 0.00 0.00 0.00 11.10 9.57
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.33 2.23 2.21 2.02 2.08 2.26 2.29 2.25 2.26 2.01 1.94
Long-Term Debt to Equity		 2.33 2.23 2.21 2.02 2.08 2.26 2.29 2.25 2.26 2.01 1.94
Financial Leverage		 2.25 0.83 1.95 1.89 2.07 2.09 2.10 1.99 2.04 1.98 1.96
Leverage Ratio		 5.05 4.30 4.26 4.30 4.52 4.51 4.46 4.46 4.47 4.42 4.37
Compound Leverage Factor		 2.48 2.27 2.67 2.71 3.10 2.56 2.01 1.85 2.33 2.93 2.36
Debt to Total Capital		 69.99% 69.03% 68.81% 66.88% 67.55% 69.29% 69.56% 69.23% 69.29% 66.79% 66.00%
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		 69.99% 69.03% 68.81% 66.88% 67.55% 69.29% 69.56% 69.23% 69.29% 66.79% 66.00%
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		 30.01% 30.97% 31.19% 33.12% 32.45% 30.71% 30.44% 30.78% 30.71% 33.21% 34.00%
Debt to EBITDA		 0.89 0.81 0.81 0.74 0.77 0.88 0.91 0.89 0.90 0.82 0.81
Net Debt to EBITDA		 0.83 0.76 0.76 0.69 0.73 0.82 0.84 0.83 0.83 0.76 0.75
Long-Term Debt to EBITDA		 0.89 0.81 0.81 0.74 0.77 0.88 0.91 0.89 0.90 0.82 0.81
Debt to NOPAT		 -81.90 -29.64 12.92 8.54 6.46 7.84 9.17 9.89 10.37 8.89 8.49
Net Debt to NOPAT		 -76.02 -27.69 12.11 7.95 6.16 7.29 8.54 9.21 9.58 8.28 7.86
Long-Term Debt to NOPAT		 -81.90 -29.64 12.92 8.54 6.46 7.84 9.17 9.89 10.37 8.89 8.49
Altman Z-Score		 2.44 2.62 2.66 2.77 2.69 2.26 2.25 2.21 2.10 2.26 2.32
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		 0.52 0.56 0.67 0.70 0.66 0.69 0.73 0.89 0.78 0.79 0.87
Quick Ratio		 0.41 0.45 0.52 0.51 0.52 0.58 0.56 0.55 0.53 0.52 0.58
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -46 -1,231 6.09 17 -59 -278 -281 -329 -230 102 134
Operating Cash Flow to CapEx		 -133.09% 387.55% 104.56% 0.00% -526.88% 1,303.70% 42.87% 578.19% 237.26% 1,115.94% 795.91%
Free Cash Flow to Firm to Interest Expense		 -1.59 -41.06 0.21 0.65 -2.33 -10.01 -9.86 -11.47 -8.20 3.78 5.24
Operating Cash Flow to Interest Expense		 -0.67 1.51 0.53 3.96 -2.44 4.95 0.27 4.13 1.49 6.35 4.83
Operating Cash Flow Less CapEx to Interest Expense		 -1.18 1.12 0.02 3.97 -2.90 4.57 -0.37 3.42 0.86 5.78 4.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 1.45 1.52 1.60 1.63 1.61 1.55 1.57 1.58 1.58 1.54 1.53
Accounts Receivable Turnover		 35.77 38.69 38.92 37.57 32.25 29.96 29.33 28.14 26.11 24.93 23.98
Inventory Turnover		 294.36 337.93 398.54 391.82 375.87 390.84 434.17 407.21 451.82 480.98 503.32
Fixed Asset Turnover		 14.03 14.77 15.35 15.89 16.36 15.28 15.69 16.01 16.64 15.36 15.55
Accounts Payable Turnover		 11.84 17.01 19.31 16.92 15.31 17.93 19.41 16.27 17.98 21.09 19.82
Days Sales Outstanding (DSO)		 10.20 9.43 9.38 9.71 11.32 12.18 12.44 12.97 13.98 14.64 15.22
Days Inventory Outstanding (DIO)		 1.24 1.08 0.92 0.93 0.97 0.93 0.84 0.90 0.81 0.76 0.73
Days Payable Outstanding (DPO)		 30.82 21.45 18.90 21.57 23.85 20.36 18.80 22.44 20.30 17.31 18.42
Cash Conversion Cycle (CCC)		 -19.38 -10.94 -8.61 -10.92 -11.56 -7.25 -5.52 -8.57 -5.51 -1.91 -2.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,773 1,783 1,829 1,762 1,878 2,104 2,145 2,126 2,145 2,057 2,052
Invested Capital Turnover		 2.26 3.57 2.31 2.44 2.36 2.26 2.25 2.35 2.33 2.28 2.26
Increase / (Decrease) in Invested Capital		 23 1,284 53 32 104 322 316 364 267 -48 -94
Enterprise Value (EV)		 3,020 3,078 2,903 2,891 2,874 2,739 2,836 2,756 2,428 2,326 2,501
Market Capitalization		 1,807 1,873 1,670 1,740 1,626 1,314 1,376 1,317 979 984 1,183
Book Value per Share		 $10.32 $10.59 $10.92 $11.19 $11.50 $11.83 $11.86 $11.87 $12.02 $12.32 $12.58
Tangible Book Value per Share		 ($0.57) $0.00 $0.54 $1.02 $1.53 ($3.53) ($3.12) ($2.84) ($2.45) ($1.84) ($1.27)
Total Capital		 1,867 1,867 1,912 1,847 1,939 2,212 2,252 2,233 2,266 2,155 2,157
Total Debt		 1,307 1,289 1,316 1,236 1,310 1,533 1,567 1,546 1,570 1,440 1,424
Total Long-Term Debt		 1,307 1,289 1,316 1,236 1,310 1,533 1,567 1,546 1,570 1,440 1,424
Net Debt		 1,213 1,204 1,233 1,151 1,249 1,425 1,460 1,439 1,449 1,341 1,318
Capital Expenditures (CapEx)		 15 12 14 -0.27 12 11 18 20 18 15 15
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -332 -271 -209 -205 -204 -263 -250 -171 -254 -219 -173
Debt-free Net Working Capital (DFNWC)		 -239 -186 -127 -120 -143 -156 -143 -64 -133 -121 -68
Net Working Capital (NWC)		 -239 -186 -127 -120 -143 -156 -143 -64 -133 -121 -68
Net Nonoperating Expense (NNE)		 -12 25 25 18 14 19 19 22 18 18 18
Net Nonoperating Obligations (NNO)		 1,213 1,204 1,233 1,151 1,249 1,425 1,460 1,439 1,449 1,341 1,318
Total Depreciation and Amortization (D&A)		 339 351 355 358 362 370 378 384 387 380 372
Debt-free, Cash-free Net Working Capital to Revenue		 -8.34% -6.67% -5.03% -4.82% -4.72% -5.99% -5.59% -3.75% -5.40% -4.63% -3.65%
Debt-free Net Working Capital to Revenue		 -5.99% -4.58% -3.05% -2.82% -3.31% -3.55% -3.20% -1.41% -2.84% -2.55% -1.43%
Net Working Capital to Revenue		 -5.99% -4.58% -3.05% -2.82% -3.31% -3.55% -3.20% -1.41% -2.84% -2.55% -1.43%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.20) $0.51 $0.62 $0.56 $0.57 $0.44 $0.27 $0.23 $0.36 $0.62 $0.37
Adjusted Weighted Average Basic Shares Outstanding		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M
Adjusted Diluted Earnings per Share		 ($0.18) $0.50 $0.61 $0.55 $0.55 $0.42 $0.26 $0.22 $0.35 $0.61 $0.37
Adjusted Weighted Average Diluted Shares Outstanding		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M
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		 54.42M 54.63M 54.68M 54.70M 57.42M 57.83M 57.90M 57.91M 58.12M 58.29M 58.30M
Normalized Net Operating Profit after Tax (NOPAT)		 39 75 59 69 45 44 34 35 38 54 80
Normalized NOPAT Margin		 3.87% 6.87% 5.48% 6.42% 4.21% 3.72% 2.97% 3.01% 3.16% 4.43% 6.93%
Pre Tax Income Margin		 2.71% 2.97% 4.31% 4.13% 5.08% 3.02% 1.97% 1.71% 2.50% 4.20% 2.53%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.92 2.06 2.61 2.61 3.11 2.25 1.78 1.67 2.04 2.88 2.13
NOPAT to Interest Expense		 -0.79 1.75 2.08 1.83 1.77 1.57 1.21 1.22 1.35 2.01 1.57
EBIT Less CapEx to Interest Expense		 1.41 1.67 2.10 2.62 2.65 1.87 1.14 0.96 1.42 2.31 1.52
NOPAT Less CapEx to Interest Expense		 -1.29 1.36 1.57 1.84 1.31 1.19 0.57 0.51 0.73 1.44 0.96
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -1,603.71% -318.40% 146.99% 99.34% 66.65% 68.17% 82.29% 101.77% 119.97% 106.34% 100.05%
Augmented Payout Ratio		 -2,569.14% -318.40% 146.99% 131.29% 66.65% 68.17% 82.29% 101.77% 119.97% 106.34% 100.05%

Financials Breakdown Chart

Key Financial Trends

Upbound Group’s recent results show a business that has recovered from the losses reported in 2022 and 2023, but profitability remains uneven and the balance sheet continues to carry substantial leverage. The latest quarter provided a mixed picture: Q2 2026 net income rose to $21.6 million from $15.5 million in Q2 2025, while revenue was essentially flat at $1.16 billion.

  • Revenue has expanded over the longer term. Quarterly revenue increased from $979.1 million in Q3 2023 to $1.16 billion in Q2 2026, an increase of roughly 18%. This indicates continued scale despite relatively limited growth in the most recent year.
  • Gross profitability improved in Q2 2026. Gross profit rose to $594.8 million from $571.8 million a year earlier. The gross margin improved to approximately 51.4%, compared with 49.4% in Q2 2025.
  • Net income has recovered from earlier losses. Upbound reported a $5.8 million loss in Q3 2022 and an $11.3 million loss in Q4 2023. It has since returned to quarterly profitability, with $21.6 million of net income in Q2 2026.
  • Operating cash flow was strong in the latest quarter. Cash flow from operations was $123.3 million in Q2 2026, compared with just $7.8 million in Q2 2025. This provided meaningful support for capital expenditures, dividends and debt repayment.
  • Debt repayment exceeded new borrowing in Q2 2026. The company repaid $117.2 million of debt while issuing $100 million, resulting in a net reduction in debt issuance activity. Long-term debt declined to $1.42 billion from $1.44 billion at the end of Q1 2026.
  • Cash increased sequentially. Cash and equivalents rose to $105.3 million at June 30, 2026, from $98.4 million at March 31, despite $77.7 million of net financing outflows and $39.3 million of investing outflows.
  • Results remain volatile from quarter to quarter. Q1 2026 produced $35.8 million of net income and $170.7 million of operating cash flow, both well above Q2 levels. Investors should avoid extrapolating the latest quarter without considering seasonal and quarterly fluctuations.
  • Working-capital trends require monitoring. Accounts receivable increased to $205.3 million in Q2 2026 from $195.4 million in Q1, while prepaid expenses rose to $151.5 million. These assets may support operations, but they also tie up capital and can pressure cash conversion if they continue to grow faster than revenue.
  • Leverage remains high. Upbound carried $1.42 billion of long-term debt and $2.37 billion of total liabilities at June 30, 2026, compared with $733.4 million of total equity. Interest expense was $25.5 million in Q2, absorbing a significant portion of operating income.
  • Liquidity is relatively thin. Current assets of $466.4 million were below current liabilities of $534.0 million, implying a current ratio below 1.0. Cash of $105.3 million also represents only a modest cushion relative to the company’s debt and ongoing dividend commitments.

Overall, the statements point to improving earnings quality compared with the losses seen earlier in the period, supported by stronger gross margins and positive operating cash flow. However, flat recent revenue, high debt, below-1.0 current liquidity and substantial interest costs remain important risks for UPBD shareholders. The company’s ability to sustain cash generation while reducing debt will likely be more important than a single quarter’s improvement in net income.

09/04/26 05:14 AM ETAI Generated. May Contain Errors.

Upbound Group Financials - Frequently Asked Questions

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.

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.

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

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%.

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.

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.

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 7/31/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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