UPBDUpbound Group, Inc.

$15.40-37% 1Y

$15.40

$15.0952 weeks$23.52

Is the business good?

Mixed

The checks split: earnings fully cash-backed (2.5×) and margins widening, but returns that lean on debt.

2 good, 1 to watch, 1 without data

Profits arrive as cash2.54×derived · Jun 30, 2026

Operating profit is fully backed by cash. Conversion is improving vs a year ago.

Margin direction, 3 years+1.8 pts

Operating profit is falling even as sales grow, costs are outrunning the top line.

Where ROE comes from4.5× leverage

Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 12% = margin × turnover × leverage.

Unless marked, from derived.

Against the whole market›

Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.

FCF conversiontop 1% of the market

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.

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 6.4% · 12 months to Q2 2026
Cash conversion: 2.54×
Cash conversion · 1.28× a year ago · operating cash flow covers the operating profit after tax
Share count, year on year: +0.08%
Share count, year on year · flat: no meaningful dilution

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 is operating cash flow over operating profit after tax.

Ranks #28 of 96 by RyuScore