Upbound Group, Inc. (UPBD) has a MoatMap StockRank of 99/100 based on Quality (65/100), Value (90/100), and Momentum (49/100) factor scores. The current signal is STRONG BUY. Upbound Group, despite being listed as 'Technology', primarily offers flexible financial solutions to consumers. In an environment of 'Liquidity Divergence & Rates' and 'Geopolitical Energy Shock' (leading to consumer inflation and reduced discretionary spending), this business faces significant headwinds from rising interest rates and tighter consumer finances. It is a casualty of the macro environment, not a beneficiary, and does not present an asymmetric opportunity.
Upbound Group, Inc. operates as a technology-driven platform offering lease-to-own solutions for furniture, electronics, and appliances through brands like Rent-A-Center and Acima. The company's competitive moat is derived from its extensive brick-and-mortar presence, which provides convenient access for customers, combined with its innovative proprietary technology platform for digital lease-to-own financing. Upbound Group primarily serves credit-constrained consumers, offering flexible payment options and access to essential household goods.
| Price | $17.84 |
| Market Cap | $1.0B |
| P/E (TTM) | 11.85 |
| P/E (Forward) | 3.59 |
| Price/Book | 1.42 |
| Return on Equity | 12.1% |
| Return on Invested Capital | 7.9% |
| Debt/Equity | 241.44 |
| Gross Margin | 48.7% |
| Operating Margin | 7.4% |
| Revenue Growth | 3.7% |
| Dividend Yield | 9.1% |
| Free Cash Flow | $1.6B |
Upbound Group, Inc. operates in the Software - Application industry, part of the Technology sector (United States).