Upbound Group Inc. (UPBD) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Upbound Group Inc. $27.64, price $15.99, upside +72.9%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Upbound Group Inc. for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $13.77 – $49.11 · fair‑value band $14.33 – $34.97 · the $15.99 price screens below the $27.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Upbound Group in your weekly email
Every Wednesday you see whether Upbound Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories.
Show more
Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was incorporated in 1986 and is based in Plano, Texas.
Stock analysis
Upbound Group Inc. (UPBD) currently trades at $15.99, while our model-based Fair Value estimate is $27.64, implying the stock looks roughly 42.1% undervalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of $36.91 per share, and 20 of the 26 models we run sit above the $15.99 price.
Bear case: the Economic Profit group reads lowest at $4.53, and 6 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: $14.33 (bear) to $34.97 (bull), the price of $15.99 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Upbound Group Inc. reported revenue of $4.7B in FY2025 versus $4.6B in FY2021, a compound +0.6%/yr. Reported net income was $73.2M in FY2025, compounding −14.2%/yr from FY2021.
Key figures
Market cap $1.1B · P/E ratio 11.1 · P/S ratio 0.17 · EPS (TTM) $1.44 · Dividend yield 9.8% · Net margin 1.6% · Return on equity 12.1% · Return on assets (EBIT) 7.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.
The share trades about 31% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at 73%, UPBD screens cheaper than that median.
Fair Value models
Bear $14.33Fair Value $27.64Bull $34.97
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.8%
Start year 2020 (pandemic). Over 10 years: +3.7% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−6.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.6%
Dividend (yield on the price)9.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−17% vs −4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 5%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+4.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+4.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +2.0% a year for the price and +1.8% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 720 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+73% · Top 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets7% · Top 25%
Net margin (TTM)2% · Below median
Operating margin (TTM)7% · Above median
Growth and dividend
Revenue growth4% · Below median
Dividend yield (TTM)9.8% · Top 25%
Balance sheet
Debt / equity2.26× · Highest 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (TTM)11.1× · Cheapest 25%
P/B1.64× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Upbound Group Inc. Fair Value". https://www.fairvalue-calculator.com/stock/UPBD
Frequently asked questions
Is Upbound Group Inc. (UPBD) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $27.64 versus a price of $15.99, about +73% upside (undervalued).
What is the fair value of UPBD?
Our model-based fair value for Upbound Group Inc. is $27.64 (as of Sep 23, 2026), built from audited fundamentals. The current price: $15.99.
What is the quality score of UPBD?
Upbound Group Inc. has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Upbound Group Inc. (UPBD)?
Our model-based price target is the fair value of $27.64 (as of Sep 23, 2026) from 26 valuation models. Cautious scenario $14.33, optimistic scenario $34.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Upbound Group Inc. stock forecast for 2026?
Our models put fair value at $27.64, about +73% upside versus a price of $15.99 (undervalued). Cautious scenario $14.33, optimistic scenario $34.97. The calculation is refreshed regularly with new filings.
What is the revenue of Upbound Group Inc. (UPBD)?
Upbound Group Inc. reported trailing-twelve-month revenue of about $4.7B (latest available figure, as of Sep 23, 2026).
Does Upbound Group Inc. pay a dividend?
Upbound Group Inc. currently shows a dividend yield of about 9.76% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Upbound Group Inc. (UPBD)?
For today's price to be fair in a discounted-cash-flow model, Upbound Group Inc. would have to grow free cash flow by +4.4 % per year for five years (discount rate 13.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of UPBD use?
Our models discount Upbound Group Inc. at 13.5 %: a base by market capitalisation (small), damped by beta 1.82, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Upbound Group Inc. that is +4.4 % per year a year over ten years, using the same discount rate (13.5 %) and the same formula as our fair value.
How much growth has Upbound Group Inc. (UPBD) delivered so far?
Over the past 5 years revenue at Upbound Group Inc. grew +10.8 % a year. The price currently implies +4.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Upbound Group Inc. (UPBD) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Upbound Group Inc. (+4.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Upbound Group Inc. (UPBD)?
The free-cash-flow yield on the price is 25.47 %: that much free cash flow Upbound Group Inc. produces per unit of market value. When it exceeds the discount rate of our models (13.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Upbound Group Inc. (UPBD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Upbound Group Inc. it is $27.64 per share (as of Sep 23, 2026), against a price of $15.99. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Upbound Group Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, UPBD trades below its calculated fair value: price $15.99, fair value $27.64, a gap of about +73% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UPBD?
No. The price is what the market pays today ($15.99); the fair value is what the company's own numbers justify ($27.64). For Upbound Group Inc. the two are $11.65 per share apart. That gap is exactly why we show both numbers side by side.
How much is Upbound Group Inc. worth?
The market values Upbound Group Inc. at about $1.1B (market capitalisation, as of Sep 23, 2026). Per share that is $15.99; our models calculate a fair value of $27.64 per share.
What do the bullish and bearish scenarios say about UPBD?
Our models span a range for Upbound Group Inc.: cautious scenario $14.33, base $27.64, optimistic $34.97 per share (as of Sep 23, 2026, price $15.99). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UPBD?
Upbound Group Inc. trades at a price-to-earnings ratio of 11.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $27.64 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 3.9 (reported for FY2025: 12.8). Other multiples: PEG 1.4, P/B 1.6, P/S 0.2, EV/EBITDA 5.2.
What is the PEG ratio of UPBD?
The PEG ratio of Upbound Group Inc. is 1.39 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Upbound Group Inc. (UPBD)?
Balance-sheet figures for Upbound Group Inc. (as of Sep 23, 2026): return on equity 12.1%, debt of 2.26 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is UPBD from its 52-week high?
Upbound Group Inc. trades at $15.99, about 31% below its 52-week high of $23.20 and 6% above the low of $15.09 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $27.64 is for.
Which stocks are comparable to Upbound Group Inc.?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Upbound Group Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $15.99, calculated fair value $27.64 (+73%), Quality Score 48/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UPBD calculated?
We run Upbound Group Inc. through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $27.64, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Upbound Group Inc. currently trades 73 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Upbound Group Inc. (UPBD)?
The closing price on Sep 23, 2026 was $15.99. Our model-based fair value is $27.64, about +73% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Upbound Group Inc. right now?
Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($14.33 to $34.97) leaves room in how you read the outcome.
Key figures of Upbound Group Inc.
How large is the market capitalisation of Upbound Group Inc. (UPBD)?
The market capitalisation of Upbound Group Inc. is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Upbound Group Inc. (UPBD)?
The price-to-sales ratio of Upbound Group Inc. is 0.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Upbound Group Inc. (UPBD)?
Earnings per share at Upbound Group Inc. are $1.44 (price ÷ EPS = P/E 11.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Upbound Group Inc. (UPBD)?
The dividend yield of Upbound Group Inc. is 9.8% (payout 108%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Upbound Group Inc. (UPBD)?
The net margin of Upbound Group Inc. is 1.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Upbound Group Inc. (UPBD)?
The return on equity (ROE) of Upbound Group Inc. is 12.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Upbound Group Inc. (UPBD)?
On an EBIT basis the return on assets of Upbound Group Inc. is 7.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Upbound Group Inc. (UPBD)?
The operating margin of Upbound Group Inc. is 7.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Upbound Group Inc. (UPBD)?
Revenue at Upbound Group Inc. is growing +3.7% versus a year earlier (3y avg +3.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Upbound Group Inc. (UPBD)?
Earnings per share at Upbound Group Inc. are growing +45.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Upbound Group Inc. (UPBD) carry?
The net debt of Upbound Group Inc. is $1.7B (fiscal year 2025, ≈ 7.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Upbound Group Inc. in the live analysis
One click puts Upbound Group Inc. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 23, 2026