UPBD

Based on Upbound Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Upbound Group do?

Upbound Group runs an omni-channel lease-to-own platform under the Rent-A-Center and Acima brands. Customers can lease furniture, appliances, electronics, and other household goods through physical stores or virtual channels embedded within third-party retailers. The company serves customers in the US, Puerto Rico, and Mexico who may not qualify for traditional financing.

Does UPBD pay dividends?

Yes, Upbound Group pays a regular dividend. The company's lease-to-own model generates recurring cash flows that support this distribution. Investors should note that the Weak Risk pillar rating in the UQS framework signals that dividend sustainability warrants monitoring, particularly in challenging consumer credit environments.

When does UPBD report earnings?

Upbound Group follows a standard quarterly earnings cadence for US-listed companies. For exact dates and the most recent results, check the investor relations section of the company's official website, as our data source does not carry forward-looking earnings dates.

Is UPBD a good stock to buy?

UQS Score rates UPBD as Below Average, driven by Weak ratings across the Moat, Growth, and Risk pillars. The Valuation pillar is Attractive, which may interest contrarian investors. Whether that discount compensates for the underlying quality concerns depends on individual risk tolerance. View the full pillar breakdown with a UQS Pro account.

Is UPBD overvalued?

Based on the UQS Valuation pillar, UPBD is rated Attractive — meaning the stock appears to trade at a discount relative to its assessed fundamentals. This does not guarantee upside, particularly given the Weak Growth and Risk ratings, but it does suggest the market has already priced in significant challenges.

How does UPBD compare to its competitors?

Upbound Group occupies a specialized niche in consumer lease-to-own financing, which differs meaningfully from software or platform peers. Its UQS profile — particularly the Weak Moat rating — suggests limited structural advantages relative to potential competitors in the broader consumer finance and fintech space.

What is UPBD's market cap bracket?

Upbound Group is classified as a small-cap company. This places it in a segment of the market that can offer valuation opportunities but also carries higher volatility and liquidity risk compared to large- or mega-cap peers.

Who founded Upbound Group?

The business traces its roots to 1960 under earlier ownership structures, with the corporate entity as currently constituted founded in 1995. The company operated as Rent-A-Center, Inc. for decades before rebranding to Upbound Group, Inc. in February 2023. Founding history is widely documented in public filings.

Is UPBD a long-term quality investment?

As a long-term quality indicator, UPBD's Below Average UQS Score reflects concerns across multiple pillars — particularly Moat, Growth, and Risk. Long-term quality investing typically favors companies with durable competitive advantages and consistent growth, areas where UPBD currently shows weakness. The Attractive Valuation may partially offset these concerns for patient investors.

What is the main competitive advantage of Upbound Group?

Upbound Group's primary advantage lies in its established brand recognition through Rent-A-Center and its Acima virtual platform, which embeds lease-to-own options directly within retail partner locations. However, the UQS Moat pillar rates this advantage as Weak, indicating the company faces meaningful competitive pressure in its core markets.

What sector does UPBD belong to?

Upbound Group is classified under the Technology sector in the UQS framework, reflecting its omni-channel platform and virtual lease-to-own technology through Acima. Its core business, however, is deeply rooted in consumer finance and retail, serving customers seeking flexible alternatives to traditional credit.

Upbound Group, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.

Upbound Group, Inc. faces growth headwinds with declining or stagnant revenue trends.

Upbound Group, Inc. presents elevated risk with concerns around leverage or financial stability.

Upbound Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Upbound Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UPBD.

The UQS (Unified Quality Score) for Upbound Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Upbound Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Upbound Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.