UPBD · Upbound Group, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · UPBD

1Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$4.70B	$4.32B	$3.99B	$4.25B	$4.58B	$2.81B
Cost of Revenue	$2.42B	$2.24B	$1.97B	$2.17B	$2.35B	$1.14B
Gross Profit	$2.27B	$2.08B	$2.02B	$2.08B	$2.24B	$1.67B
R&D	-	-	-	-	-	-
SG&A	$231.96M	$212.45M	$201.71M	$186.47M	$194.89M	$153.11M
Total Operating Expenses	$2.05B	$1.79B	$1.86B	$1.93B	$1.95B	$1.43B
D&A	$51.96M	$50.89M	$75.45M	$67.98M	$67.09M	$55.60M
Operating Income	$223.35M	$291.63M	$162.87M	$148.54M	$280.54M	$237.34M
Interest Expense	$112.98M	$110.58M	$113.42M	$87.71M	$70.87M	$15.32M
Income Tax	$34.85M	$54.06M	$58.05M	$49.11M	$59.36M	$14.66M
Net Income	$73.24M	$123.48M	($5.18M)	$12.36M	$134.94M	$208.12M
EPS - Basic	$1.30	$2.26	($0.09)	$0.23	$2.37	$3.84
EPS - Diluted	$1.25	$2.21	($0.09)	$0.21	$2.02	$3.73

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$120.53M	$60.86M	$93.70M	$144.14M	$108.33M	$159.45M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$3.28B	$2.65B	$2.72B	$2.76B	$2.99B	$1.75B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	-	-	-	-	-	-
Total Liabilities	$2.58B	$2.02B	$2.16B	$2.24B	$2.48B	$1.16B
Stockholders' Equity	$695.74M	$628.98M	$560.37M	$525.15M	$513.28M	$592.08M
Retained Earnings	$1.02B	$1.04B	$994.89M	$1.08B	$1.14B	$1.09B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$305.57M	$104.72M	$200.29M	$468.46M	$392.30M	$236.50M
Investing Cash Flow	($403.73M)	($41.51M)	($50.96M)	($62.33M)	($1.34B)	($20.61M)
Financing Cash Flow	$156.47M	($93.52M)	($202.12M)	($370.71M)	$892.85M	($126.68M)
CapEx	$66.86M	$56.27M	$53.40M	$61.39M	$62.45M	$34.55M
Free Cash Flow	$238.71M	$48.45M	$146.89M	$407.07M	$329.85M	$201.96M

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	48.4%	48.1%	50.7%	49.0%	48.8%	59.4%
Operating margin	4.8%	6.7%	4.1%	3.5%	6.1%	8.4%
EBITDA margin	5.9%	7.9%	6.0%	5.1%	7.6%	10.4%
Net margin	1.6%	2.9%	-0.1%	0.3%	2.9%	7.4%
Free cash flow margin	5.1%	1.1%	3.7%	9.6%	7.2%	7.2%
FCF / Net income	3.26	0.39	-28.36	32.94	2.44	0.97
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	4.9%	4.9%	5.1%	4.4%	4.3%	5.4%
Effective tax rate	32.2%	30.5%	109.8%	79.9%	30.6%	6.6%
Return on assets	2.2%	4.7%	-0.2%	0.4%	4.5%	11.9%
Return on equity	10.5%	19.6%	-0.9%	2.4%	26.3%	35.1%
Return on invested capital	-	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	-	-	-	-	-
Debt / Assets	-	-	-	-	-	-
Debt / EBITDA	-	-	-	-	-	-
Interest coverage	2.0x	2.6x	1.4x	1.7x	4.0x	15.5x
Equity multiplier	4.71	4.21	4.86	5.26	5.83	2.96
Liabilities / Assets	0.79	0.76	0.79	0.81	0.83	0.66
Efficiency
Asset turnover	1.43	1.63	1.47	1.54	1.53	1.61
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	14.0x	13.2x	-	-	-	-
P / B	1.5x	2.6x	3.3x	-	-	-
P / S	0.2x	0.4x	0.5x	-	-	-
EV / EBITDA	3.3x	4.6x	7.4x	-	-	-
Growth
Revenue growth (YoY)	8.7%	8.2%	-6.0%	-7.4%	62.9%	5.4%
Revenue CAGR (3y)	3.4%	-1.9%	12.4%	16.7%	19.9%	1.4%
Revenue CAGR (5y)	10.8%	10.1%	8.5%	9.5%	9.1%	-3.0%
Gross profit growth (YoY)	9.2%	2.9%	-2.8%	-7.0%	33.7%	1.7%
Operating income growth (YoY)	-23.4%	79.1%	9.6%	-47.1%	18.2%	-6.5%
Net income growth (YoY)	-40.7%	-	-	-90.8%	-35.2%	19.9%
EPS growth (YoY)	-43.4%	-	-	-89.6%	-45.8%	20.3%
EPS CAGR (3y)	81.2%	3.0%	-	-59.2%	132.9%	214.4%
EPS CAGR (5y)	-19.6%	-6.5%	-	11.8%	-	-
FCF growth (YoY)	392.7%	-67.0%	-63.9%	23.4%	63.3%	4.0%
FCF CAGR (5y)	3.4%	-24.3%	-5.9%	55.3%	2.4%	6.2%
Book value growth (YoY)	10.6%	12.2%	6.7%	2.3%	-13.3%	29.0%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$4.70B total

Acima$2.51B · 53.5%

Rent ACenter$1.90B · 40.4%

Brigit$206.02M · 4.4%

Mexico$79.39M · 1.7%

Geographic

$4.70B total

US$4.62B · 98.3%

MX$79.39M · 1.7%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9

Neutral

✓Net income positive
✓Operating cash flow positive
✗ROA improved YoY
✓Cash flow > net income
-Long-term debt decreased
-Current ratio improved
✗No share dilution
✓Gross margin improved
✗Asset turnover improved

Peer comparison

Same SIC group: Services-Equipment Rental & Leasing, NEC

Company	Revenue (last FY)	Net margin	ROE
MGRC	$944.24M	16.6%	12.6%
URI	$16.10B	15.5%	27.8%
AL	$3.02B	36.1%	12.8%
CTOS	$1.94B	-1.6%	-3.8%
PRG	$2.41B	6.1%	19.7%

Comparing UPBOUND GROUP against the 5 most active filers in the same SIC group.

Dividends

$1.56/share trailing 12 months · +2.6% YoY

Ex-date	Per share
Apr 7, 2026	$0.3900
Dec 17, 2025	$0.3900
Sep 30, 2025	$0.3900
Jun 17, 2025	$0.3900
Apr 2, 2025	$0.3900
Dec 18, 2024	$0.3900
Oct 1, 2024	$0.3700
Jun 18, 2024	$0.3700
Apr 2, 2024	$0.3700
Dec 18, 2023	$0.3700
Oct 2, 2023	$0.3400
Jun 16, 2023	$0.3400
Apr 4, 2023	$0.3400
Dec 19, 2022	$0.3400
Oct 3, 2022	$0.3400
Jun 17, 2022	$0.3400
Apr 4, 2022	$0.3400
Dec 15, 2021	$0.3400
Sep 27, 2021	$0.3100
Jun 21, 2021	$0.3100
Apr 5, 2021	$0.3100
Dec 14, 2020	$0.3100
Oct 6, 2020	$0.2900
Jul 9, 2020	$0.2900