Upbound Group stock
UPBDNASDAQUpbound Group, Inc., TechnologyISIN US76009N1000
61Score 61 out of 100, Neutral
Price and trend
66 / 100
Price history
+44% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 33% above it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Overheated: the price has risen very quickly lately (RSI 86).
The price is at its 52-week high. Largest decline in 20 years: 82% (August 2013 to March 2018).
Chart figures for advanced users
- SMA 50$18.06
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$19.06
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)86
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$15.36
- The lowest closing price of the last twelve months.
- Resistance$25.27
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Upbound Group, Inc. belongs to the Software (Application) industry (United States) and, with a market value of $1.47B, is number 129 of 189 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $4.7B (up 8.7% year on year) and earnings of $73.24M (down 40.7%).
- For fiscal 2026, analysts expect on average revenue of $4.72B (up 0.5%) and adjusted earnings per share of $4.22 (up 2.1%).
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- MEQIRI Score 61 out of 100 (Neutral): rank 434 of 857 in Technology, median 61.
- The P/E is 13.3 (Software (Application) median 30.8, own median of recent years 16.9).
- Our model puts fair value at $54.01, with the price 53% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow 389% of earnings over the last 12 months.Fundamentals 77
- Modestly valuedP/E 13.3, Software (Application) median 30.8, own median 16.9.Valuation 88
- High dividend yieldDividend yield 6.17%, Software (Application) median 1.43%.
Weaknesses
- High debtDebt 2.17 times equity (latest quarter), Software (Application) median 0.36.Stability 28
- Earnings per share fallingDown 19.5% a year since 2020.Growth 49
- Interest barely coveredOperating profit covers interest only 2 times.Stability 28
Its standout strengths are momentum and valuation, while capital allocation and stability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
What lowers it
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $38.58 and expensive above $90.02 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $49.73 (cash-flow model) and $58.30 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 12.8%. At 13.8% the fair value would be $51.39, at 11.8% it would be $57.31.
Possible value trap: looks cheap, but high risk.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (30.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 3.2% on the twelve months before. Revenue has grown solidly since 2006, at about 4% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 48%, operating 5%, net 2%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 18 Feb 2027in 98 days
- Last reported
- 29 Oct 2026EPS reported $1.01 (expected $0.91)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $4.22+1.4%
- Revenue
- $4.72B−0.3%
- Earnings per share
- $4.61−0.3%
- Revenue
- $4.88B−1.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook mixed
Share price after the results: +22.4%Upbound raised its Brigit outlook (revenue of $290 to $300 million, about 35% growth) and lifted the midpoint of its EPS guidance to $4.15 to $4.30, but lowered its Acima GMV expectations due to tighter underwriting and softer demand.
“Turning to Brigit, we are raising our outlook with annualized revenue growth of approximately 35% when normalized for a full year 2025 in the $290 million-$300 million range and adjusted EBITDA in the $55 million-$65 million range, reflecting strong performance through the first nine months.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
8 insiders bought on the open market between 27 Oct 2026 and 9 Nov 2026, $1.84M in total. One insider sold, $188,500 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Young Scott A.Purchase
9 Nov 2026, EVP, Chief Operating Officer
- Shares
- 6,015
- Price
- $24.95
- Value
- $150,074
- Karam FahmiPurchase
5 Nov 2026, Chief Executive Officer
- Shares
- 12,165
- Price
- $24.66
- Value
- $299,989
- Karam FahmiPurchase
3 Nov 2026, Chief Executive Officer
- Shares
- 4,407
- Price
- $22.71
- Value
- $100,083
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- Wooters RebeccaPurchase
3 Nov 2026, EVP, Chief Growth Officer
- Shares
- 4,325
- Price
- $23.00
- Value
- $99,475
- Khouri HalimPurchase
2 Nov 2026, EVP, Chief Financial Officer
- Shares
- 11,000
- Price
- $22.78
- Value
- $250,580
- Marino Glenn PPurchase
2 Nov 2026, Board
- Shares
- 17,400
- Price
- $22.61
- Value
- $393,414
- Kumar BalajiPurchase
2 Nov 2026, EVP, Chief Technology Officer
- Shares
- 2,200
- Price
- $22.77
- Value
- $50,094
- Brown Jeffrey JPurchase
2 Nov 2026, Board
- Shares
- 17,645
- Price
- $22.67
- Value
- $400,012
- Langenstein MollyPurchase
2 Nov 2026, Board
- Shares
- 2,186
- Price
- $22.91
- Value
- $50,081
- Brown Jeffrey JPurchase
27 Oct 2026, Board
- Shares
- 2,764
- Price
- $17.01
- Value
- $47,016
- Blasquez Anthony JSale
21 Aug 2026, EVP-RAC
- Shares
- 10,000
- Price
- $18.85
- Value
- $188,500
- Brown Jeffrey JPurchase
7 Jul 2026, Board
- Shares
- 2,295
- Price
- $20.09
- Value
- $46,107
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Upbound Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
857 rated companies in Technology
- This company
- 61
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
- ATOSS SoftwareAOF.DE $1.56B81
- SprinklrCXM $1.54B73
- Alkami TechnologyALKT $1.51B38
- SecuritizeSECZ $1.48B33
- IbottaIBTA $1.4B56
- WeRideWRD $1.38B35
- Lightspeed CommerceLSPD $1.36B38
- CHAPTERS GroupCHG.DE $1.24B44
ETFs that hold Upbound Group
Held by 7 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.09% | 0.29% | €182.46M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.08% | 0.30% | €2.28B |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.07% | 0.35% | €204.34M |
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| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.05% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.05% | 0.35% | €434.1M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.19B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 15 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.