Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UPBD
STRONG BUYREMOVEUpbound Group, Inc. · Technology · United States · $1.2B · Avg Vol: $20M/d
Despite the tech classification, the business model lacks the durable moat and secular tailwind required. Furthermore, the company is susceptible to the 'AI infrastructure correction' as IT spend shifts toward cost-optimization rather than speculative software deployment. It is not a destination business with clear scale economics.
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.2B | 4.0B | 4.3B | 4.7B | 3.4% | 4.7B | 4.8B | 5.1B | 3.9% |
| EPS | 0.23 | -0.09 | 2.26 | 1.30 | 78.1% | 1.47 | 1.32 | 1.50 | 7.3% |
| Shares | 55.7M | 54.4M | 54.7M | 57.9M | +4.1% | 58.3M | — | — | — |
| Debt | 1.7B | 1.6B | 1.6B | 1.9B | 3.5% | 1.7B | — | — | — |
| Equity | 525.1M | 560.4M | 629.0M | 695.7M | 9.8% | — | — | — | — |
| Op CF | 468.5M | 200.3M | 104.7M | 305.6M | -13.3% | 328.2M | — | — | — |
| Inv CF | -62.3M | -51.0M | -41.5M | -403.7M | — | — | — | — | — |
| Fin CF | -370.7M | -202.1M | -93.5M | 156.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of UPBD are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UPBD | Upbound Group, Inc.(you) | $1.2B | 99 | STRONG BUY |
| MITK | Mitek Systems, Inc. | $871M | 90 | STRONG BUY |
| DFIN | Donnelley Financial Solutions, Inc. | $1.0B | 86 | STRONG BUY |
| RNG | RingCentral, Inc. | $3.1B | 97 | STRONG BUY |
| RDVT | Red Violet, Inc. | $850M | 82 | STRONG BUY |
| ADEA | Adeia Inc. | $3.4B | 96 | STRONG BUY |
| DBD | Diebold Nixdorf, Incorporated | $2.9B | 92 | STRONG BUY |
| NATL | NCR Atleos Corporation | $3.2B | 93 | STRONG BUY |
| DSP | Viant Technology Inc. | $774M | 80 | STRONG BUY |
| RMNI | Rimini Street, Inc. | $400M | 94 | STRONG BUY |
Peer medians: ROE 8.8% · P/E 38.5x · Gross margin 54.7%