Upbound Group, Inc. (UPBD) Stock

Upbound Group, Inc. (UPBD) is a Technology stock trading at $20.59 (as of 2026-07-27), with a market capitalization of $1.20B and a trailing P/E of 13.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Upbound Group, Inc. is a lease-to-own and installment sales retailer that provides household durable goods to customers in the United States, Puerto Rico, and Mexico. It operates through brands and segments including Rent-A-Center Business, Acima, Mexico, and Franchising, offering merchandise such as furniture and consumer electronics via retail stores and e-commerce.

Understand Upbound Group, Inc.: how it makes money

Upbound Group leases household durable goods to customers on a lease-to-own basis, earning revenue through its rent-to-own consumer transactions across brands and channels such as Rent-A-Center, Acima, and Mexico (Bridget).

Profit depends on lease revenue after customer credit losses and merchandise loss events, which are monitored through the consolidated lease charge-off rate and the consolidated skip-stolen loss rate.

Revenue by segment (latest quarter)
Rent-A-Center$0.5B
Acima$0.7B
Mexico$0.1B

Business quality (Mixed): The business model is clear (lease-to-own durable goods with measurable loss metrics), but the provided facts do not break out all official segments (for example, franchising) and only a limited set of operating metrics is shown.

Valuation: Trades at 13× trailing earnings · $1B market cap.

Bull case

  • Omni-channel consumer transactions: Upbound Group brands facilitate consumer transactions across store-based and virtual channels.
  • Measurable risk controls by customer and merchandise outcomes: The company tracks consolidated lease charge-offs and consolidated skip-stolen losses, which ties performance to specific operating drivers.

Bear case

  • Credit and loss performance are key and can pressure results: Provided metrics show a 7.3% consolidated lease charge-off rate and a 7.5% consolidated skip-stolen loss rate.
  • Rent-A-Center same-source sales are down in the provided snapshot: Same-Source Sales (Rent-A-Center) is -3.6% in the provided data, which can indicate demand or usage headwinds.
Valuation — source: SEC EDGAR (first-party)
Price$20.59
Market Cap$1.20B
P/E Ratio13.4
EV / EBITDA3.0
Price / Book1.68
Price / Sales0.25
FCF Yield54.4%
DCF Value (model)$49.94
DCF Upside vs Price142.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$4.70B
Net Margin1.6%
Revenue Growth (YoY)8.7%
EPS Growth (YoY)-42.5%
FCF Growth (YoY)392.7%
Valuation vs Sector & Industry
Stock P/E13.4
Sector P/E (Technology)35.0
Industry P/E (Business Services)30.1
vs Sector-61.6%
vs Industry-55.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($148.16M)
Institutional Holders Tracked10
Company
SectorTechnology
IndustryBusiness Services
CEOFahmi Karam
Employees11,970
CountryUS
IPO Date1995-01-25

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UPBD earnings history · UPBD institutional & insider holders · UPBD KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-27.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.