What is UPBOUND GRP INC's earnings per share (EPS)?

UPBOUND GRP INC (UPBD) reported diluted earnings per share of $1.25 for fiscal year 2025. This represents a -43.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

UPBOUND GRP INC Financials

UPBD

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows UPBOUND GRP INC (UPBD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 36/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

UPBOUND GRP INC has an operating margin of 4.8%, meaning the company retains $5 of operating profit per $100 of revenue. This results in a moderate score of 33/100, indicating healthy but not exceptional operating efficiency. This is down from 6.8% the prior year.

Growth

UPBOUND GRP INC's revenue grew 8.7% year-over-year to $4.7B, a solid pace of expansion. This earns a growth score of 48/100.

Leverage

UPBOUND GRP INC has elevated debt relative to equity (D/E of 3.71), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 26/100, reflecting increased financial risk.

Cash Flow

UPBOUND GRP INC has a free cash flow margin of 5.1%, earning a moderate score of 38/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

UPBOUND GRP INC's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 35/100. This is down from 19.6% the prior year.

Piotroski F-Score Neutral

4/9

UPBOUND GRP INC passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

4.17x

For every $1 of reported earnings, UPBOUND GRP INC generates $4.17 in operating cash flow ($305.6M OCF vs $73.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

2.0x

UPBOUND GRP INC earns $2.0 in operating income for every $1 of interest expense ($223.3M vs $113.0M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$4.7B

YoY+8.7%

5Y CAGR+10.8%

10Y CAGR+3.7%

UPBOUND GRP INC generated $4.7B in revenue in fiscal year 2025. This represents an increase of 8.7% from the prior year.

EBITDA

$275.3M

YoY-19.6%

5Y CAGR-1.3%

UPBOUND GRP INC's EBITDA was $275.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 19.6% from the prior year.

Net Income

$73.2M

YoY-40.7%

5Y CAGR-18.8%

UPBOUND GRP INC reported $73.2M in net income in fiscal year 2025. This represents a decrease of 40.7% from the prior year.

EPS (Diluted)

$1.25

YoY-43.4%

5Y CAGR-19.6%

UPBOUND GRP INC earned $1.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 43.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$238.7M

YoY+392.7%

5Y CAGR+3.4%

10Y CAGR+4.7%

UPBOUND GRP INC generated $238.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 392.7% from the prior year.

Cash & Debt

$120.5M

YoY+98.0%

5Y CAGR-5.4%

10Y CAGR+7.2%

UPBOUND GRP INC held $120.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.56

YoY+4.0%

5Y CAGR+5.7%

10Y CAGR+5.0%

UPBOUND GRP INC paid $1.56 per share in dividends in fiscal year 2025. This represents an increase of 4.0% from the prior year.

Shares Outstanding

58M

UPBOUND GRP INC had 58M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

48.4%

YoY+0.2pp

5Y CAGR-11.0pp

10Y CAGR-16.2pp

UPBOUND GRP INC's gross margin was 48.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.2 percentage points from the prior year.

Operating Margin

4.8%

YoY-2.0pp

5Y CAGR-3.7pp

10Y CAGR+35.5pp

UPBOUND GRP INC's operating margin was 4.8% in fiscal year 2025, reflecting core business profitability. This is down 2.0 percentage points from the prior year.

Net Margin

1.6%

YoY-1.3pp

5Y CAGR-5.8pp

10Y CAGR+30.6pp

UPBOUND GRP INC's net profit margin was 1.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.

Return on Equity

10.5%

YoY-9.1pp

5Y CAGR-24.6pp

10Y CAGR+259.1pp

UPBOUND GRP INC's ROE was 10.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 9.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

UPBOUND GRP INC spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$66.9M

YoY+18.8%

5Y CAGR+14.1%

10Y CAGR-1.9%

UPBOUND GRP INC invested $66.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 18.8% from the prior year.

UPBD Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$4.7B+8.7%	$4.3B+8.2%	$4.0B-6.0%	$4.2B-7.4%	$4.6B+62.9%	$2.8B
Cost of Revenue	$2.4B+8.2%	$2.2B+13.7%	$2.0B-9.0%	$2.2B-7.8%	$2.3B+105.6%	$1.1B
Gross Profit	$2.3B+9.2%	$2.1B+2.9%	$2.0B-2.8%	$2.1B-7.0%	$2.2B+33.7%	$1.7B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$232.0M+9.2%	$212.4M+5.3%	$201.7M+8.2%	$186.5M-4.3%	$194.9M+27.3%	$153.1M
Operating Income	$223.3M-23.4%	$291.6M+79.1%	$162.9M+9.6%	$148.5M-47.1%	$280.5M+18.2%	$237.3M
Interest Expense	$113.0M+2.2%	$110.6M-2.5%	$113.4M+29.3%	$87.7M+23.8%	$70.9M+362.5%	$15.3M
Income Tax	$34.8M-35.5%	$54.1M-6.9%	$58.0M+18.2%	$49.1M-17.3%	$59.4M+304.8%	$14.7M
Net Income	$73.2M-40.7%	$123.5M+2484.2%	-$5.2M-141.9%	$12.4M-90.8%	$134.9M-35.2%	$208.1M
EPS (Diluted)	$1.25-43.4%	$2.21+2555.6%	$-0.09-142.9%	$0.21-89.6%	$2.02-45.8%	$3.73

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.2B+2.7%	$1.2B+0.6%	$1.2B-1.6%	$1.2B+9.0%	$1.1B+1.0%	$1.1B-0.7%	$1.1B-1.8%	$1.1B
Cost of Revenue	$609.8M+1.4%	$601.6M+2.7%	$585.7M-6.5%	$626.2M+9.7%	$571.0M+2.4%	$557.8M+2.4%	$544.6M-3.9%	$566.9M
Gross Profit	$586.7M+4.2%	$563.1M-1.5%	$571.8M+3.9%	$550.1M+8.2%	$508.2M-0.6%	$511.1M-3.9%	$532.0M+0.5%	$529.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$54.5M+8.5%	$50.2M-20.8%	$63.4M-0.6%	$63.8M+22.1%	$52.2M+1.5%	$51.5M-4.1%	$53.6M-2.7%	$55.1M
Operating Income	$57.2M+8.5%	$52.8M+4.0%	$50.7M-19.0%	$62.6M-20.9%	$79.2M+13.0%	$70.1M-13.1%	$80.7M+30.6%	$61.8M
Interest Expense	$28.0M-2.3%	$28.7M+0.5%	$28.5M+2.6%	$27.8M+9.3%	$25.4M-5.1%	$26.8M-5.5%	$28.4M-5.4%	$30.0M
Income Tax	$10.1M+52.2%	$6.6M-9.7%	$7.4M-31.3%	$10.7M-54.2%	$23.4M+76.0%	$13.3M+6.5%	$12.5M+155.5%	$4.9M
Net Income	$19.7M+49.3%	$13.2M-14.6%	$15.5M-37.5%	$24.8M-20.0%	$31.0M+0.4%	$30.9M-9.1%	$33.9M+22.6%	$27.7M
EPS (Diluted)	N/A	$0.22-15.4%	$0.26-38.1%	$0.42	N/A	$0.55-9.8%	$0.61+22.0%	$0.50

UPBD Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B+23.6%	$2.6B-2.6%	$2.7B-1.5%	$2.8B-7.7%	$3.0B+71.0%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$120.5M+98.0%	$60.9M-35.1%	$93.7M-35.0%	$144.1M+33.1%	$108.3M-32.1%	$159.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$203.2M+29.9%	$156.4M+40.9%	$111.0M-0.8%	$111.9M-11.5%	$126.4M+40.4%	$90.0M
Goodwill	$488.2M+68.2%	$290.2M+0.2%	$289.8M0.0%	$289.8M0.0%	$289.8M+312.6%	$70.2M
Total Liabilities	$2.6B+27.7%	$2.0B-6.5%	$2.2B-3.5%	$2.2B-9.7%	$2.5B+114.0%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$695.7M+10.6%	$629.0M+12.2%	$560.4M+6.7%	$525.1M+2.3%	$513.3M-13.3%	$592.1M
Retained Earnings	$1.0B-1.7%	$1.0B+4.1%	$994.9M-7.6%	$1.1B-5.8%	$1.1B+4.8%	$1.1B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.3B+2.0%	$3.2B+3.8%	$3.1B+1.7%	$3.0B+14.8%	$2.6B+2.8%	$2.6B-1.6%	$2.6B-0.3%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$120.5M+12.6%	$107.0M+0.2%	$106.8M-0.5%	$107.3M+76.3%	$60.9M-28.4%	$85.1M+3.1%	$82.5M-2.7%	$84.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$203.2M0.0%	$203.2M+7.0%	$189.9M+2.7%	$184.8M+18.1%	$156.4M+28.6%	$121.6M+5.6%	$115.2M+6.2%	$108.4M
Goodwill	$488.2M0.0%	$488.2M+0.2%	$487.1M-0.3%	$488.4M+68.3%	$290.2M+0.2%	$289.8M0.0%	$289.8M0.0%	$289.8M
Total Liabilities	$2.6B+2.2%	$2.5B+4.7%	$2.4B+1.9%	$2.4B+17.0%	$2.0B+2.7%	$2.0B-2.8%	$2.0B-1.2%	$2.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$695.7M+1.2%	$687.3M+0.3%	$685.5M+0.9%	$679.2M+8.0%	$629.0M+2.8%	$611.8M+2.6%	$596.3M+3.1%	$578.3M
Retained Earnings	$1.0B-0.3%	$1.0B-0.9%	$1.0B-0.7%	$1.0B+0.2%	$1.0B+0.9%	$1.0B+1.0%	$1.0B+1.4%	$1.0B

UPBD Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$305.6M+191.8%	$104.7M-47.7%	$200.3M-57.2%	$468.5M+19.4%	$392.3M+65.9%	$236.5M
Capital Expenditures	$66.9M+18.8%	$56.3M+5.4%	$53.4M-13.0%	$61.4M-1.7%	$62.5M+80.8%	$34.5M
Free Cash Flow	$238.7M+392.7%	$48.4M-67.0%	$146.9M-63.9%	$407.1M+23.4%	$329.8M+63.3%	$202.0M
Investing Cash Flow	-$403.7M-872.7%	-$41.5M+18.5%	-$51.0M+18.2%	-$62.3M+95.3%	-$1.3B-6382.2%	-$20.6M
Financing Cash Flow	$156.5M+267.3%	-$93.5M+53.7%	-$202.1M+45.5%	-$370.7M-141.5%	$892.8M+804.8%	-$126.7M
Dividends Paid	$87.9M+6.8%	$82.3M-0.9%	$83.1M+4.9%	$79.2M+10.7%	$71.5M+13.3%	$63.1M
Share Buybacks	$0	$0-100.0%	$50.0M-33.4%	$75.1M-80.8%	$390.1M+1368.1%	$26.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$41.6M-64.9%	$118.4M+1415.7%	$7.8M-94.3%	$137.7M+322.4%	-$61.9M-158.3%	$106.2M+606.2%	$15.0M-66.9%	$45.4M
Capital Expenditures	$17.5M-14.5%	$20.5M+12.4%	$18.2M+72.5%	$10.6M-12.5%	$12.1M-32.7%	$17.9M+24.4%	$14.4M+22.1%	$11.8M
Free Cash Flow	$24.0M-75.4%	$97.9M+1038.7%	-$10.4M-108.2%	$127.2M+271.8%	-$74.0M-183.9%	$88.3M+14297.6%	$613K-98.2%	$33.6M
Investing Cash Flow	-$28.9M+58.7%	-$69.9M-258.7%	-$19.5M+93.2%	-$285.4M-1914.4%	-$14.2M-1051.1%	-$1.2M+91.4%	-$14.4M-22.7%	-$11.7M
Financing Cash Flow	$502K+101.0%	-$48.6M-567.6%	$10.4M-94.6%	$194.2M+271.0%	$52.4M+151.5%	-$101.6M-6612.0%	-$1.5M+96.5%	-$42.8M
Dividends Paid	$22.2M-0.2%	$22.2M+0.5%	$22.1M+3.3%	$21.4M+5.5%	$20.3M+0.1%	$20.3M0.0%	$20.3M-5.7%	$21.5M
Share Buybacks	N/A	N/A	N/A	N/A	$0	N/A	N/A	N/A

UPBD Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	48.4%+0.2pp	48.1%-2.5pp	50.6%+1.7pp	49.0%+0.2pp	48.8%-10.7pp	59.4%
Operating Margin	4.8%-2.0pp	6.8%+2.7pp	4.1%+0.6pp	3.5%-2.6pp	6.1%-2.3pp	8.4%
Net Margin	1.6%-1.3pp	2.9%+3.0pp	-0.1%-0.4pp	0.3%-2.6pp	2.9%-4.5pp	7.4%
Return on Equity	10.5%-9.1pp	19.6%+20.6pp	-0.9%-3.3pp	2.4%-23.9pp	26.3%-8.9pp	35.1%
Return on Assets	2.2%-2.4pp	4.7%+4.9pp	-0.2%-0.6pp	0.4%-4.1pp	4.5%-7.4pp	11.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.71+0.5	3.21-0.6	3.86-0.4	4.26-0.6	4.83+2.9	1.96
FCF Margin	5.1%+4.0pp	1.1%-2.6pp	3.7%-5.9pp	9.6%+2.4pp	7.2%+0.0pp	7.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	49.0%+0.7pp	48.3%-1.1pp	49.4%+2.6pp	46.8%-0.3pp	47.1%-0.7pp	47.8%-1.6pp	49.4%+1.1pp	48.3%
Operating Margin	4.8%+0.3pp	4.5%+0.2pp	4.4%-0.9pp	5.3%-2.0pp	7.3%+0.8pp	6.6%-0.9pp	7.5%+1.8pp	5.6%
Net Margin	1.7%+0.5pp	1.1%-0.2pp	1.3%-0.8pp	2.1%-0.8pp	2.9%-0.0pp	2.9%-0.3pp	3.1%+0.6pp	2.5%
Return on Equity	2.8%+0.9pp	1.9%-0.3pp	2.3%-1.4pp	3.6%-1.3pp	4.9%-0.1pp	5.0%-0.6pp	5.7%+0.9pp	4.8%
Return on Assets	0.6%+0.2pp	0.4%-0.1pp	0.5%-0.3pp	0.8%-0.4pp	1.2%-0.0pp	1.2%-0.1pp	1.3%+0.2pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.71+0.0	3.67+0.2	3.52+0.0	3.48+0.3	3.210.0	3.21-0.2	3.39-0.1	3.54
FCF Margin	2.0%-6.4pp	8.4%+9.3pp	-0.9%-11.7pp	10.8%+17.7pp	-6.9%-15.1pp	8.3%+8.2pp	0.1%-3.0pp	3.1%

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Frequently Asked Questions

What is UPBOUND GRP INC's annual revenue?

UPBOUND GRP INC (UPBD) reported $4.7B in total revenue for fiscal year 2025. This represents a 8.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is UPBOUND GRP INC's revenue growing?

UPBOUND GRP INC (UPBD) revenue grew by 8.7% year-over-year, from $4.3B to $4.7B in fiscal year 2025.

Is UPBOUND GRP INC profitable?

Yes, UPBOUND GRP INC (UPBD) reported a net income of $73.2M in fiscal year 2025, with a net profit margin of 1.6%.

What is UPBOUND GRP INC's EBITDA?

UPBOUND GRP INC (UPBD) had EBITDA of $275.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is UPBOUND GRP INC's gross margin?

UPBOUND GRP INC (UPBD) had a gross margin of 48.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is UPBOUND GRP INC's operating margin?

UPBOUND GRP INC (UPBD) had an operating margin of 4.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is UPBOUND GRP INC's net profit margin?

UPBOUND GRP INC (UPBD) had a net profit margin of 1.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does UPBOUND GRP INC pay dividends?

Yes, UPBOUND GRP INC (UPBD) paid $1.56 per share in dividends during fiscal year 2025.

What is UPBOUND GRP INC's return on equity (ROE)?

UPBOUND GRP INC (UPBD) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is UPBOUND GRP INC's free cash flow?

UPBOUND GRP INC (UPBD) generated $238.7M in free cash flow during fiscal year 2025. This represents a 392.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is UPBOUND GRP INC's operating cash flow?

UPBOUND GRP INC (UPBD) generated $305.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are UPBOUND GRP INC's total assets?

UPBOUND GRP INC (UPBD) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are UPBOUND GRP INC's capital expenditures?

UPBOUND GRP INC (UPBD) invested $66.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does UPBOUND GRP INC have outstanding?

UPBOUND GRP INC (UPBD) had 58M shares outstanding as of fiscal year 2025.

What is UPBOUND GRP INC's debt-to-equity ratio?

UPBOUND GRP INC (UPBD) had a debt-to-equity ratio of 3.71 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is UPBOUND GRP INC's return on assets (ROA)?

UPBOUND GRP INC (UPBD) had a return on assets of 2.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is UPBOUND GRP INC's Piotroski F-Score?

UPBOUND GRP INC (UPBD) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are UPBOUND GRP INC's earnings high quality?

UPBOUND GRP INC (UPBD) has an earnings quality ratio of 4.17x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can UPBOUND GRP INC cover its interest payments?

UPBOUND GRP INC (UPBD) has an interest coverage ratio of 2.0x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is UPBOUND GRP INC?

UPBOUND GRP INC (UPBD) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.