Is the business good?
How good a business is UPBD?
Upbound Group, Inc. earns 30% on the capital it employs against a 9.0% cost of capital, so the business is worth more the bigger it gets.
30%
Return on invested capital · cost of capital 9.0% · 21 points above what the capital costs: growth creates value
- Operating margin
- 5.1%
Operating margin · Software - Application median 8.2% · 12 months to Q2 2026
- Cash conversion
- 3.94×
Cash conversion · 1.56× a year ago · every dollar of reported profit arrived as cash, and more
- Share count, year on year
- +0.08%
Share count, year on year · flat: no meaningful dilution
| Year | Operating margin |
|---|---|
| FY2020 | 8.4% |
| FY2021 | 6.1% |
| FY2022 | 3.5% |
| FY2023 | 4.1% |
| FY2024 | 6.8% |
| FY2025 | 4.8% |
Details›
- Gross margin12 months to Q2 2026
- 49%
- Operating margin12 months to Q2 2026
- 5.1%
- Net margin12 months to Q2 2026
- 1.9%
- Free cash flow margin
- 7.5%
- Revenue, trailing twelve months
- $4.74B
- Free cash flow, trailing twelve months
- $356M
- Net income, trailing twelve months
- $90M
- Return on invested capitaloperating profit after tax ÷ debt + equity − cash
- 30%
Margins, capital and share counts from the statements as filed with the SEC; cash conversion from the cash flow statement.
Software - Application
Ranks #72 of 90 by Smart Score