What is Upbound Group, Inc.'s earnings per share (EPS)?

Upbound Group, Inc. (UPBD) reported diluted earnings per share of $1.25 for fiscal year 2025. This represents a -43.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Upbound Group, Inc. (UPBD) Financials

UPBD

Trailing 12 months to June 30, 2026

Revenue $4.7B +5.9% YoY

Net Income $90.1M -12.2% YoY

EPS (Diluted) $1.54 -13.5% YoY

Free Cash Flow $356.0M +123.2% YoY

Market Cap $942.7M as of Oct 21, 2026

Price / Sales 0.2x on $4.7B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $90.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $733.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UPBD SEC filings page.

Upbound Group, Inc. (UPBD) reported $4.7B in revenue over the twelve months to Jun 30, 2026, up 5.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UPBD FY2025 2026-10-03

Upbound converts revenue into cash, but 2025 earnings weakened as operating costs and liability-funded asset growth offset higher sales.

The key quality shift is that operating cash flow reached $306M against net income of $73M in FY2025, versus a much narrower relationship in FY2024. After capital spending, free cash flow recovered to $239M from $48M, indicating cash generation improved even while reported profit declined.

Sales rose 8.7% in FY2025 while gross margin stayed near 48.4%. Operating margin fell from 6.8% to 4.8%, so the pressure appeared after direct costs rather than in the basic revenue economics.

Assets grew 23.6% while liabilities grew 27.7% in FY2025, meaning expansion relied more heavily on obligations than equity. Leverage remains central: debt-to-equity rose to 3.7x from 3.2x, while goodwill also increased materially.

Financial Health Signals

Financial Health Score 29/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Upbound Group, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Upbound Group, Inc. has an operating margin of 4.8%, meaning the company retains $5 of operating profit per $100 of revenue. This results in a moderate score of 58/100, indicating healthy but not exceptional operating efficiency. This is down from 6.8% the prior year.

Growth

Upbound Group, Inc.'s revenue grew 8.7% year-over-year to $4.7B, a solid pace of expansion. This earns a growth score of 61/100.

Leverage

Upbound Group, Inc. has elevated debt relative to equity (D/E of 3.71), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 17/100, reflecting increased financial risk.

Liquidity

Not available for Upbound Group, Inc., and counted as zero in the overall score.

Cash Flow

Upbound Group, Inc. has a free cash flow margin of 5.1%, earning a moderate score of 39/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Not available for Upbound Group, Inc., and counted as zero in the overall score.

Piotroski F-Score Partial

4/7

Upbound Group, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

4.19x

For every $1 of reported earnings, Upbound Group, Inc. generates $4.19 in operating cash flow ($305.6M OCF vs $73.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

1.98x

Upbound Group, Inc. earns $1.98 in operating income for every $1 of interest expense ($223.3M vs $113.0M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.2B

YoY+0.5%

QoQ-4.6%

5Y CAGR-0.5%

10Y CAGR+4.5%

Upbound Group, Inc. generated $1.2B in revenue in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is down 4.6%.

EBITDA

$89.3M

YoY+5.3%

QoQ-20.8%

5Y CAGR-5.7%

Upbound Group, Inc.'s EBITDA was $89.3M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 20.8%.

Net Income

$21.6M

YoY+39.4%

QoQ-39.7%

5Y CAGR-18.8%

10Y CAGR+8.1%

Upbound Group, Inc. reported $21.6M in net income in Q2 2026. This represents an increase of 39.4% from the same quarter a year earlier. Against the prior quarter it is down 39.7%.

EPS (Diluted)

$0.37

YoY+42.3%

QoQ-39.3%

5Y CAGR-16.3%

10Y CAGR+6.9%

Upbound Group, Inc. earned $0.37 per diluted share (EPS) in Q2 2026. This represents an increase of 42.3% from the same quarter a year earlier. Against the prior quarter it is down 39.3%.

Cash & Balance Sheet

Free Cash Flow

$107.8M

YoY+1275.2%

QoQ-30.3%

5Y CAGR+1.4%

10Y CAGR+5.6%

Upbound Group, Inc. generated $107.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1275.2% from the same quarter a year earlier. Against the prior quarter it is down 30.3%.

Cash & Debt

$105.3M

YoY-1.4%

QoQ+7.0%

5Y CAGR-6.2%

10Y CAGR+1.8%

Upbound Group, Inc. held $105.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.39

YoY0.0%

QoQ0.0%

Upbound Group, Inc. paid $0.39 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

58M

YoY+0.7%

QoQ0.0%

5Y CAGR-2.6%

10Y CAGR+0.9%

Upbound Group, Inc. had 58M shares outstanding in Q2 2026. This represents an increase of 0.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Gross Margin

51.1%

YoY+1.7pp

QoQ+3.0pp

5Y change+1.9pp

10Y change-15.6pp

Upbound Group, Inc.'s gross margin was 51.1% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.0 percentage points.

Operating Margin

4.7%

YoY+0.3pp

QoQ-1.7pp

5Y change-4.3pp

10Y change+1.0pp

Upbound Group, Inc.'s operating margin was 4.7% in Q2 2026, reflecting core business profitability. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.7 percentage points.

Net Margin

1.9%

YoY+0.5pp

QoQ-1.1pp

5Y change-3.3pp

10Y change+0.5pp

Upbound Group, Inc.'s net profit margin was 1.9% in Q2 2026, showing the share of revenue converted to profit. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.1 percentage points.

Return on Equity

2.9%

YoY+0.7pp

QoQ-2.1pp

5Y change-4.5pp

10Y change+1.0pp

Upbound Group, Inc.'s ROE was 2.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.1 percentage points.

Capital Allocation

Capital Expenditures

$15.5M

YoY-15.1%

QoQ-2.9%

5Y CAGR+2.0%

10Y CAGR+1.2%

Upbound Group, Inc. invested $15.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 15.1% from the same quarter a year earlier. Against the prior quarter it is down 2.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

UPBD Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UPBD quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$4.7B	$4.7B+8.7%	$4.3B+8.2%	$4.0B-6.0%	$4.2B-7.4%	$4.6B+62.9%	$2.8B+5.4%	$2.7B+0.4%	$2.7B-1.6%	$2.7B-8.8%	$3.0B-9.6%	$3.3B+3.8%	$3.2B+2.1%	$3.1B+0.6%	$3.1B+6.7%	$2.9B
Cost of Revenue	$2.4B	$2.4B+8.2%	$2.2B+13.7%	$2.0B-9.0%	$2.2B-7.8%	$2.3B+105.6%	$1.1B+11.3%	$1.0B+5.5%	$972.3M-1.2%	$984.0M-4.3%	$1.0B-11.4%	$1.2B+19.2%	$973.4M+3.5%	$940.5M+0.2%	$938.2M+13.1%	$829.7M
Gross Profit	$2.3B	$2.3B+9.2%	$2.1B+2.9%	$2.0B-2.8%	$2.1B-7.0%	$2.2B+33.7%	$1.7B+1.7%	$1.6B-2.6%	$1.7B-1.8%	$1.7B-11.2%	$1.9B-8.6%	$2.1B-3.0%	$2.2B+1.4%	$2.2B+0.7%	$2.1B+4.1%	$2.1B
SG&A Expenses	$221.5M	$232.0M+9.2%	$212.4M+5.3%	$201.7M+8.2%	$186.5M-4.3%	$194.9M+27.3%	$153.1M+7.3%	$142.6M-12.7%	$163.4M-4.5%	$171.1M+1.3%	$168.9M+1.7%	$166.1M+2.3%	$162.3M+10.0%	$147.6M+5.4%	$140.0M-0.4%	$140.6M
Operating Income	$241.7M	$223.3M-23.4%	$291.6M+79.1%	$162.9M+9.6%	$148.5M-47.1%	$280.5M+18.2%	$237.3M-6.5%	$253.9M+352.2%	$56.1M+189.0%	-$63.1M+5.3%	-$66.6M+93.4%	-$1.0B-621.0%	$193.5M-21.7%	$247.0M-21.1%	$313.0M+7.4%	$291.3M
EBITDA	N/A	$275.3M-19.6%	$342.5M+59.9%	$214.2M+6.2%	$201.6M-55.2%	$450.4M+53.2%	$294.0M-6.7%	$315.2M+152.0%	$125.1M+705.2%	$15.5M+20.0%	$12.9M+101.4%	-$928.1M-437.3%	$275.2M-15.6%	$326.0M-16.6%	$391.1M+8.4%	$360.8M
Interest Expense	$109.1M	$113.0M+2.2%	$110.6M-2.5%	$113.4M+29.3%	$87.7M+23.8%	$70.9M+362.5%	$15.3M-50.6%	$31.0M-27.8%	$43.0M-6.6%	$46.0M-2.5%	$47.2M-4.3%	$49.3M+3.1%	$47.8M+20.7%	$39.6M+23.6%	$32.1M-13.9%	$37.2M
Income Tax	$39.9M	$34.8M-35.5%	$54.1M-6.9%	$58.0M+18.2%	$49.1M-17.3%	$59.4M+304.8%	$14.7M-70.8%	$50.2M+839.2%	$5.3M+104.6%	-$116.9M-1346.4%	-$8.1M+92.2%	-$103.1M-324.4%	$45.9M+175.0%	$16.7M-83.6%	$101.8M+11.5%	$91.3M
Net Income	$90.1M	$73.0M-41.1%	$124.0M+2580.0%	-$5.0M-141.7%	$12.0M-91.1%	$135.0M-35.1%	$208.1M+19.9%	$173.5M+1943.6%	$8.5M+27.6%	$6.7M+106.3%	-$105.2M+89.0%	-$953.5M-1088.9%	$96.4M-25.1%	$128.8M-28.5%	$180.0M+10.1%	$163.5M
EPS (Basic)	N/A	$1.30-42.5%	$2.26+2611.1%	-$0.09-139.1%	$0.23-90.3%	$2.37-38.3%	$3.84+20.4%	$3.19+1893.8%	$0.16+33.3%	$0.12+106.1%	-$1.98+89.0%	-$17.97-1087.4%	$1.82-22.6%	$2.35-23.2%	$3.06+14.6%	$2.67
EPS (Diluted)	$1.54	$1.25-43.4%	$2.21+2555.6%	-$0.09-142.9%	$0.21-89.6%	$2.02-45.8%	$3.73+20.3%	$3.10+1837.5%	$0.16+33.3%	$0.12+106.1%	-$1.98+89.0%	-$17.97-1092.8%	$1.81-22.3%	$2.33-23.1%	$3.03+14.8%	$2.64
Diluted Shares (Avg)	N/A	59M+4.8%	56M+1.7%	55M-6.8%	59M-11.8%	67M+19.9%	56M-0.4%	56M+2.6%	55M+1.3%	54M+1.4%	53M+0.1%	53M-0.1%	53M-3.7%	55M-7.1%	59M-4.0%	62M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.2B+0.5%	$1.2B+3.7%	$1.2B+10.9%	$1.2B+9.0%	$1.2B+7.5%	$1.2B+7.3%	$1.1B+6.0%	$1.1B+9.2%
Cost of Revenue	$568.6M-2.9%	$633.3M+1.1%	$609.8M+6.8%	$601.6M+7.9%	$585.7M+7.6%	$626.2M+10.5%	$571.0M+13.0%	$557.8M+15.7%
Gross Profit	$594.8M+4.0%	$586.5M+6.6%	$586.7M+15.4%	$563.1M+10.2%	$571.8M+7.5%	$550.1M+4.0%	$508.2M-0.9%	$511.1M+2.8%
SG&A Expenses	$59.7M-5.9%	$57.1M-10.5%	$54.5M+4.3%	$50.2M-2.4%	$63.4M+18.2%	$63.8M+15.8%	$52.2M+1.9%	$51.5M-4.5%
Operating Income	$54.3M+6.9%	$77.4M+23.7%	$57.2M-27.7%	$52.8M-24.7%	$50.7M-37.1%	$62.6M+1.4%	$79.2M+41.6%	$70.1M+20.7%
EBITDA	$89.3M+5.3%	$112.7M+20.0%	$9.8M-89.3%	$86.8M+4.8%	$84.8M-9.0%	$93.9M+24.8%	$91.2M+31.9%	$82.8M+17.2%
Interest Expense	$25.5M-10.5%	$26.9M-3.3%	$28.0M+10.1%	$28.7M+6.9%	$28.5M+0.5%	$27.8M-7.3%	$25.4M-12.9%	$26.8M-3.9%
Income Tax	$7.7M+4.2%	$15.5M+44.4%	$10.1M-56.8%	$6.6M-50.0%	$7.4M-41.0%	$10.7M+119.3%	$23.4M-39.5%	$13.3M-50.9%
Net Income	$21.6M+39.4%	$35.8M+44.4%	$19.5M-38.1%	$13.2M-57.2%	$15.5M-54.4%	$24.8M-10.5%	$31.5M+384.5%	$30.9M+607.3%
EPS (Basic)	$0.37+37.0%	$0.62+40.9%	$0.35-38.6%	$0.23-58.9%	$0.27-56.5%	$0.44-13.7%	$0.57+385.0%	$0.56+600.0%
EPS (Diluted)	$0.37+42.3%	$0.61+45.2%	$0.34-38.2%	$0.22-60.0%	$0.26-57.4%	$0.42-16.0%	$0.55+375.0%	$0.55+587.5%
Diluted Shares (Avg)	59M+0.1%	59M+0.8%	N/A	59M+5.2%	59M+5.1%	58M+4.6%	N/A	56M-1.6%

Not reported in any period shown, so not listed: R&D Expenses.

UPBD Balance Sheet

UPBD quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.3B+23.6%	$2.6B-2.6%	$2.7B-1.5%	$2.8B-7.7%	$3.0B+71.0%	$1.8B+10.6%	$1.6B+13.3%	$1.4B-1.7%	$1.4B-11.4%	$1.6B-18.8%	$2.0B-39.6%	$3.3B+8.4%	$3.0B+5.6%	$2.9B+2.3%	$2.8B
Cash & Equivalents	$120.5M+98.0%	$60.9M-35.1%	$93.7M-35.0%	$144.1M+33.1%	$108.3M-32.1%	$159.4M+126.2%	$70.5M-54.6%	$155.4M+113.0%	$73.0M-23.5%	$95.4M+58.0%	$60.4M+30.9%	$46.1M+9.1%	$42.3M-30.8%	$61.1M-30.6%	$88.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$203.2M+29.9%	$156.4M+40.9%	$111.0M-0.8%	$111.9M-11.5%	$126.4M+40.4%	$90.0M+7.0%	$84.1M+20.8%	$69.6M-0.3%	$69.8M+0.1%	$69.8M+0.7%	$69.3M+5.8%	$65.5M+10.7%	$59.2M+12.0%	$52.8M+9.5%	$48.2M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$488.2M+68.2%	$290.2M+0.2%	$289.8M0.0%	$289.8M0.0%	$289.8M+312.6%	$70.2M0.0%	$70.2M+23.5%	$56.8M+0.4%	$56.6M+2.4%	$55.3M-73.2%	$206.1M-85.0%	$1.4B+0.4%	$1.4B+1.5%	$1.3B+0.4%	$1.3B
Total Liabilities	$2.6B+27.7%	$2.0B-6.5%	$2.2B-3.5%	$2.2B-9.7%	$2.5B+114.0%	$1.2B+3.1%	$1.1B+1.2%	$1.1B-3.3%	$1.1B-14.2%	$1.3B-15.9%	$1.6B-15.5%	$1.9B+11.9%	$1.7B+20.5%	$1.4B-3.2%	$1.4B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$191.8M-54.9%	$425.6M	N/A	N/A	N/A	N/A
Total Equity	$695.7M+10.6%	$629.0M+12.2%	$560.4M+6.7%	$525.1M+2.3%	$513.3M-13.3%	$592.1M+29.0%	$459.0M+60.2%	$286.5M+5.2%	$272.4M+2.8%	$264.9M-30.9%	$383.6M-72.4%	$1.4B+4.0%	$1.3B-8.8%	$1.5B+7.7%	$1.4B
Retained Earnings	$1.0B-1.7%	$1.0B+4.1%	$994.9M-7.6%	$1.1B-5.8%	$1.1B+4.8%	$1.1B+15.1%	$947.9M+17.6%	$805.9M+0.9%	$798.7M-0.2%	$800.6M-13.2%	$922.9M-52.1%	$1.9B+2.5%	$1.9B+4.1%	$1.8B+8.9%	$1.7B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.1B+0.3%	$3.1B+2.8%	$3.3B+23.6%	$3.2B+24.6%	$3.1B+18.1%	$3.0B+15.8%	$2.6B-2.6%	$2.6B-1.8%
Cash & Equivalents	$105.3M-1.4%	$98.4M-8.3%	$120.5M+98.0%	$107.0M+25.8%	$106.8M+29.5%	$107.3M+26.6%	$60.9M-35.1%	$85.1M-19.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$205.3M+8.1%	$195.4M+5.7%	$203.2M+29.9%	$203.2M+67.0%	$189.9M+64.9%	$184.8M+70.5%	$156.4M+40.9%	$121.6M+16.1%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$488.2M+0.2%	$488.2M0.0%	$488.2M+68.2%	$488.2M+68.5%	$487.1M+68.1%	$488.4M+68.6%	$290.2M+0.2%	$289.8M0.0%
Total Liabilities	$2.4B-1.6%	$2.4B+2.1%	$2.6B+27.7%	$2.5B+28.4%	$2.4B+19.1%	$2.4B+15.4%	$2.0B-6.5%	$2.0B-3.1%
Total Equity	$733.4M+7.0%	$715.7M+5.4%	$695.7M+10.6%	$687.3M+12.3%	$685.5M+15.0%	$679.2M+17.5%	$629.0M+12.2%	$611.8M+2.4%
Retained Earnings	$1.0B-0.1%	$1.0B-0.7%	$1.0B-1.7%	$1.0B-0.5%	$1.0B+1.5%	$1.0B+3.6%	$1.0B+4.1%	$1.0B0.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

UPBD Cash Flow Statement

UPBD quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$425.5M	$305.6M+191.8%	$104.7M-47.7%	$200.3M-57.2%	$468.5M+19.4%	$392.3M+65.9%	$236.5M+9.8%	$215.4M-5.3%	$227.5M+105.8%	$110.5M-68.8%	$354.1M+53.3%	$231.0M+1108.6%	$19.1M-85.8%	$134.3M-38.3%	$217.9M-24.0%	$286.6M
Depreciation & Amortization	N/A	$52.0M+2.1%	$50.9M-0.8%	$51.3M-3.3%	$53.1M-68.7%	$169.8M+199.7%	$56.7M-7.6%	$61.3M-11.1%	$68.9M-12.3%	$78.6M-1.2%	$79.5M-0.3%	$79.8M-2.4%	$81.7M+3.5%	$78.9M+1.2%	$78.0M+12.3%	$69.5M
Stock-Based Compensation	N/A	$45.4M+25.8%	$36.1M-77.7%	$162.1M+1.7%	$159.4M+8.0%	$147.6M+1101.2%	$12.3M+76.5%	$7.0M+16.7%	$6.0M+53.0%	$3.9M-57.7%	$9.2M-3.5%	$9.5M+45.5%	$6.6M+1.6%	$6.5M-22.8%	$8.4M+87.1%	$4.5M
Capital Expenditures	$69.5M	$66.9M+18.8%	$56.3M+5.4%	$53.4M-13.0%	$61.4M-1.7%	$62.5M+80.8%	$34.5M+63.3%	$21.2M-24.3%	$28.0M-57.3%	$65.5M+7.1%	$61.1M-24.4%	$80.9M-3.5%	$83.8M-22.7%	$108.4M+5.8%	$102.5M-22.8%	$132.7M
Free Cash Flow	$356.0M	$238.7M+392.7%	$48.4M-67.0%	$146.9M-63.9%	$407.1M+23.4%	$329.8M+63.3%	$202.0M+4.0%	$194.3M-2.6%	$199.5M+342.7%	$45.1M-84.6%	$292.9M+95.1%	$150.1M+332.1%	-$64.7M-349.0%	$26.0M-77.5%	$115.4M-25.0%	$153.9M
Investing Cash Flow	-$143.6M	-$403.7M-872.7%	-$41.5M+18.5%	-$51.0M+18.2%	-$62.3M+95.3%	-$1.3B-6382.2%	-$20.6M-199.3%	$20.8M+542.3%	-$4.7M+92.6%	-$63.3M-7.4%	-$59.0M+34.5%	-$90.1M+6.8%	-$96.7M+25.4%	-$129.6M-17.1%	-$110.7M+30.5%	-$159.2M
Financing Cash Flow	-$284.5M	$156.5M+267.3%	-$93.5M+53.7%	-$202.1M+45.5%	-$370.7M-141.5%	$892.8M+804.8%	-$126.7M+60.6%	-$321.6M-129.2%	-$140.3M-98.9%	-$70.5M+72.8%	-$259.7M-108.8%	-$124.4M-250.1%	$82.9M+458.4%	-$23.1M+82.8%	-$134.5M-22.4%	-$109.8M
Dividends Paid	$90.4M	$87.9M+6.8%	$82.3M-0.9%	$83.1M+4.9%	$79.2M+10.7%	$71.5M+13.3%	$63.1M+360.5%	$13.7M	$0-100.0%	$12.8M-49.9%	$25.6M-49.9%	$51.0M+4.8%	$48.7M+4.0%	$46.8M+23.6%	$37.9M+40.8%	$26.9M
Share Buybacks	N/A	$0	$0-100.0%	$50.0M-33.4%	$75.1M-80.8%	$390.1M+1368.1%	$26.6M+1956.7%	$1.3M	$0	$0	N/A	$0	$0-100.0%	$217.4M+251.5%	$61.9M-62.3%	$164.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$123.3M+372.7%	$170.7M+15.3%	$41.6M+167.1%	$89.9M-15.3%	$26.1M+73.4%	$148.0M+225.8%	-$61.9M-215.2%	$106.2M+36.2%
Depreciation & Amortization	$35.1M+2.9%	$35.3M+12.8%	-$47.5M-494.6%	$34.0M+166.4%	$34.1M+170.2%	$31.3M+132.3%	$12.0M-9.0%	$12.8M+1.2%
Stock-Based Compensation	N/A	$11.6M-12.5%	N/A	N/A	N/A	$13.3M+11.2%	N/A	N/A
Capital Expenditures	$15.5M-15.1%	$16.0M+50.9%	$17.5M+45.1%	$20.5M+14.2%	$18.2M+26.5%	$10.6M-10.5%	$12.1M-29.9%	$17.9M+21.5%
Free Cash Flow	$107.8M+1275.2%	$154.7M+12.6%	$24.0M+132.5%	$69.4M-21.4%	$7.8M+1178.8%	$137.4M+308.9%	-$74.0M-100.7%	$88.3M+39.6%
Investing Cash Flow	-$39.3M-4.0%	-$34.0M+88.5%	-$28.9M-103.6%	-$41.4M-3263.9%	-$37.8M-162.6%	-$295.7M-2423.0%	-$14.2M+4.0%	-$1.2M+91.7%
Financing Cash Flow	-$77.7M-847.1%	-$158.7M-181.7%	$502K-99.0%	-$48.6M+52.1%	$10.4M+787.3%	$194.2M+553.7%	$52.4M+142.0%	-$101.6M-132.3%
Dividends Paid	$22.9M+3.6%	$23.1M+8.0%	$22.2M+9.3%	$22.2M+9.6%	$22.1M+9.0%	$21.4M-0.5%	$20.3M+8.5%	$20.3M+1.2%
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	N/A

UPBD Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UPBD quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	48.4%+0.2pp	48.1%-2.5pp	50.6%+1.7pp	49.0%+0.2pp	48.8%-10.7pp	59.4%-2.2pp	61.6%-1.9pp	63.4%-0.1pp	63.6%-1.7pp	65.3%+0.7pp	64.6%-4.6pp	69.2%-0.4pp	69.6%+0.1pp	69.5%-1.7pp	71.2%
Operating Margin	4.8%-2.0pp	6.8%+2.7pp	4.1%+0.6pp	3.5%-2.6pp	6.1%-2.3pp	8.4%-1.1pp	9.5%+7.4pp	2.1%+4.4pp	-2.3%-0.1pp	-2.3%+28.5pp	-30.7%-36.9pp	6.1%-1.8pp	8.0%-2.2pp	10.2%+0.1pp	10.1%
Net Margin	1.6%-1.3pp	2.9%+3.0pp	-0.1%-0.4pp	0.3%-2.7pp	2.9%-4.5pp	7.4%+0.9pp	6.5%+6.2pp	0.3%+0.1pp	0.3%+3.8pp	-3.5%+25.5pp	-29.1%-32.1pp	3.0%-1.1pp	4.2%-1.7pp	5.9%+0.2pp	5.7%
Return on Equity	10.5%-9.2pp	19.7%+20.6pp	-0.9%-3.2pp	2.3%-24.0pp	26.3%-8.8pp	35.1%-2.7pp	37.8%+34.8pp	3.0%+0.5pp	2.4%+42.1pp	-39.7%+208.9pp	-248.6%-255.5pp	6.9%-2.7pp	9.6%-2.7pp	12.3%+0.3pp	12.0%
Return on Assets	2.2%-2.5pp	4.7%+4.9pp	-0.2%-0.6pp	0.4%-4.1pp	4.5%-7.4pp	11.9%+0.9pp	11.0%+10.4pp	0.6%+0.1pp	0.5%+7.0pp	-6.6%+41.7pp	-48.3%-51.2pp	2.9%-1.3pp	4.3%-2.0pp	6.3%+0.4pp	5.9%
Debt-to-Equity	3.71+0.5x	3.21-0.6x	3.86-0.4x	4.26-0.6x	4.83+2.9x	1.96-0.5x	2.45-1.4x	3.88-0.3x	4.21+3.5x	0.72-0.4x	1.11-0.2x	1.35+0.1x	1.26+0.3x	0.95-0.1x	1.06
Asset Turnover	1.43-0.2x	1.63+0.2x	1.47-0.1x	1.540.0x	1.53-0.1x	1.61-0.1x	1.69-0.2x	1.900.0x	1.90+0.1x	1.85+0.2x	1.66+0.7x	0.97-0.1x	1.03-0.1x	1.080.0x	1.03
FCF Margin	5.1%+4.0pp	1.1%-2.6pp	3.7%-5.9pp	9.6%+2.4pp	7.2%0.0pp	7.2%-0.1pp	7.3%-0.2pp	7.5%+5.8pp	1.7%-8.2pp	9.9%+5.3pp	4.6%+6.6pp	-2.1%-2.9pp	0.8%-2.9pp	3.8%-1.6pp	5.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	51.1%+1.7pp	48.1%+1.3pp	49.0%+2.0pp	48.3%+0.5pp	49.4%0.0pp	46.8%-1.5pp	47.1%-3.3pp	47.8%-3.0pp
Operating Margin	4.7%+0.3pp	6.3%+1.0pp	4.8%-2.6pp	4.5%-2.0pp	4.4%-3.1pp	5.3%-0.3pp	7.3%+1.8pp	6.6%+0.6pp
Net Margin	1.9%+0.5pp	2.9%+0.8pp	1.6%-1.3pp	1.1%-1.7pp	1.3%-1.8pp	2.1%-0.4pp	2.9%+4.0pp	2.9%+2.4pp
Return on Equity	2.9%+0.7pp	5.0%+1.4pp	2.8%-2.2pp	1.9%-3.1pp	2.3%-3.4pp	3.6%-1.1pp	5.0%+7.0pp	5.0%+4.3pp
Return on Assets	0.7%+0.2pp	1.1%+0.3pp	0.6%-0.6pp	0.4%-0.8pp	0.5%-0.8pp	0.8%-0.2pp	1.2%+1.6pp	1.2%+1.0pp
Debt-to-Equity	3.23-0.3x	3.37-0.1x	3.71+0.5x	3.67+0.5x	3.52+0.1x	3.48-0.1x	3.21-0.6x	3.21-0.2x
Asset Turnover	0.370.0x	0.390.0x	0.370.0x	0.36-0.1x	0.370.0x	0.390.0x	0.410.0x	0.410.0x
FCF Margin	9.3%+8.6pp	12.7%+1.0pp	2.0%+8.9pp	6.0%-2.3pp	0.7%+0.6pp	11.7%+8.6pp	-6.9%-3.2pp	8.3%+1.8pp

Not reported in any period shown, so not listed: Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Upbound Group, Inc. UPBD	FY2025	$4.7B	$73.0M	1.6%	$942.7M	29/100
Donnelley Financial Solutions, Inc. DFIN	FY2025	$767.0M	$32.4M	4.2%	$1.3B	57/100
Amplitude, Inc. AMPL	FY2025	$343.2M	-$88.5M	-25.8%	$2.0B	37/100
MeridianLink, Inc. MLNK	FY2024	$316.3M	-$29.8M	-9.4%	$1.5B	51/100
Lightspeed Commerce Inc. LSPD	FY2025	$1.1B	-$667.2M	-62.0%	$1.4B	46/100
PagerDuty, Inc. PD	FY2026	$492.5M	$172.7M	35.1%	$1.3B	45/100

Where Upbound Group, Inc. Ranks

Frequently Asked Questions

What is Upbound Group, Inc.'s annual revenue?

Upbound Group, Inc. (UPBD) reported $4.7B in total revenue for fiscal year 2025. This represents a 8.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Upbound Group, Inc.'s revenue growing?

Upbound Group, Inc. (UPBD) revenue grew by 8.7% year-over-year, from $4.3B to $4.7B in fiscal year 2025.

Is Upbound Group, Inc. profitable?

Yes, Upbound Group, Inc. (UPBD) reported a net income of $73.0M in fiscal year 2025, with a net profit margin of 1.6%.

What is Upbound Group, Inc.'s EBITDA?

Upbound Group, Inc. (UPBD) had EBITDA of $275.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Upbound Group, Inc.'s gross margin?

Upbound Group, Inc. (UPBD) had a gross margin of 48.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Upbound Group, Inc.'s operating margin?

Upbound Group, Inc. (UPBD) had an operating margin of 4.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Upbound Group, Inc.'s net profit margin?

Upbound Group, Inc. (UPBD) had a net profit margin of 1.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Upbound Group, Inc. pay dividends?

Yes, Upbound Group, Inc. (UPBD) paid $1.56 per share in dividends during fiscal year 2025.

What is Upbound Group, Inc.'s return on equity (ROE)?

Upbound Group, Inc. (UPBD) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Upbound Group, Inc.'s free cash flow?

Upbound Group, Inc. (UPBD) generated $238.7M in free cash flow during fiscal year 2025. This represents a 392.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Upbound Group, Inc.'s operating cash flow?

Upbound Group, Inc. (UPBD) generated $305.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Upbound Group, Inc.'s total assets?

Upbound Group, Inc. (UPBD) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Upbound Group, Inc.'s capital expenditures?

Upbound Group, Inc. (UPBD) invested $66.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Upbound Group, Inc. have outstanding?

Upbound Group, Inc. (UPBD) had 58M shares outstanding as of fiscal year 2025.

What is Upbound Group, Inc.'s debt-to-equity ratio?

Upbound Group, Inc. (UPBD) had a debt-to-equity ratio of 3.71 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Upbound Group, Inc.'s return on assets (ROA)?

Upbound Group, Inc. (UPBD) had a return on assets of 2.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Upbound Group, Inc.'s P/E ratio?

Upbound Group, Inc. (UPBD) trades at 10.5x earnings, its market capitalization divided by net income of $90.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $942.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Upbound Group, Inc.'s price-to-sales ratio?

Upbound Group, Inc. (UPBD) trades at 0.2x sales, its market capitalization divided by revenue of $4.7B revenue, trailing 12 months to June 30, 2026. The market capitalization is $942.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Upbound Group, Inc.'s Piotroski F-Score?

Upbound Group, Inc. (UPBD) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Upbound Group, Inc.'s earnings high quality?

Upbound Group, Inc. (UPBD) has an earnings quality ratio of 4.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Upbound Group, Inc. cover its interest payments?

Upbound Group, Inc. (UPBD) has an interest coverage ratio of 1.98x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Upbound Group, Inc.?

Upbound Group, Inc. (UPBD) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.