UPBD
Upbound Group, Inc.
Technology · Software - Application · NMS
$18.89
Close 2026-05-28
✓ ETHICAL PASS

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.1B
Trailing P/E
13.12
Forward P/E
3.97
Rev Growth
+3.7%
Profit Margin
1.8%
ROE
12.1%
Analyst Target
$28.00
Recommendation
NONE
About Upbound Group, Inc.

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.

Ethical Screen
Business ActivityPASS
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue Ratio (0.00%)PASS
OverallPASS
Score Ethical: 64.7
Score Valuation: 78.5
Score Quality: 46.2
Score Combined: 54.6

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality35.4
Cash Flow100.0
Moat40.0
Balance Sheet0.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity100.0
Compliance100.0
Tier: BRONZE · Score: 53.2 · Rank: #1188
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$2.8B
Price/Book
1.62
Beta
1.831
Analysts
7
Total Revenue (TTM)
$4.7B
Total Debt
$1.7B
Earnings Growth
+45.2%
Dividend Yield
826.0%
Rec. Mean
1.43
Short Ratio
6.15
Short % Float
0.1%
Employees
12,050

Elite Intelligence

Trade Consideration with position sizing, convergence signals, and risk analysis. Available to Elite members.

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Trade Consideration
The Opportunity
Score 54.6 (P84 — top 15.7% of scored tickers). Unknown Moat. Ethical PASS. 7 analysts at Strong Buy.
Price: $18.89 | Target: $28.50 (+51%)
Score
55
Moat
Unknown
Conviction
Standard
Upside
+51%
The Fundamentals
Revenue Growth+3.7%
Profit Margin1.8%
ROE12.1%
Forward P/E4.0
Market Cap$1.1B
Position Sizing Scenarios
Stop: $16.06 (-15%) | Entry: $18.89
SharesCostProfit to TargetR:R
To Consensus ($28.50, 7 analysts)
10$188.90+$96.10 (51%)3.4R
50$944.50+$480.50 (51%)3.4R
100$1,889.00+$961.00 (51%)3.4R
Risk Factors
  • High beta (1.83) — amplifies market moves by 1.83x
  • Elevated short interest (6.15 days to cover)
The Verdict
Upbound Group, Inc. passes all ethical screens and holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
56.2
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.9%
worst expected daily loss, 19 in 20 days
CVaR 95%
-6.2%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
-0.51
above 1.0 is good
Max Drawdown
-54.2%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
70
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
NEAR_UPPER
Beta
Relative Volume
1.4x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
HGV0.604
BC0.583
IWM0.581
TEX0.554
VNT0.547
Inverse Correlated
TickerCorrelation
QIC.KW-0.258
CME-0.221
CBOE-0.217
BAES.L-0.177
VTR-0.155
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
May
Worst Month
Oct
Fri-Mon Effect
-0.1935668365639333
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+1.9%
3M Return
-9.9%
6M Return
+15.9%
12M Return
-9.7%
Momentum Rank
#2742
Momentum Signal
FLAT

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