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UPBOUND GROUP INC (UPBD)

Consumer Discretionary · Consumer Financial Services / Retail Leasing · NASDAQ

Upbound Group is a consumer-focused fintech company providing flexible lease-to-own and rent-to-own solutions for furniture, electronics, and appliances, alongside credit-building subscription services.

What UPBOUND GROUP INC does

Upbound Group is a fintech-oriented company that primarily operates rent-to-own and lease-to-own businesses. The company provides customers with flexible payment options for consumer goods, including furniture, electronics, appliances, and computers, through retail stores and digital platforms. Additionally, it offers subscription-based financial and credit-building services to help underserved consumers manage their finances.

Themes: rent-to-own / lease-to-own, consumer credit services, fintech, retail leasing

Fundamentals

  • Price$18.80 as of 2026-08-21 close
  • Market cap$1.1B as of 2026-08-21
  • 1-year return-21.1% 2025-08-21 close $23.84 → 2026-08-21 close $18.80
  • P/E12.33 as of 2026-08-24
  • Net margin+1.9% as of 2026-08-24
  • Gross margin+49.1% as of 2026-08-24
  • ROE+12.8% as of 2026-08-24
  • Debt / equity1.94 as of 2026-08-24
  • Revenue growth (YoY)+5.8% as of 2026-08-24
  • Revenue CAGR (3y)+3.4% SEC XBRL
  • Beta1.80 as of 2026-08-24
  • Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +4.6%; at least 3 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How UPBD compares in its sector

  • price-to-earnings ratiobottom 25% 266 covered Consumer Discretionary peers, as of 2026-08-24
  • net profit marginmiddle range 334 covered Consumer Discretionary peers, as of 2026-08-24
  • operating marginmiddle range 334 covered Consumer Discretionary peers, as of 2026-08-24
  • gross marginmiddle range 331 covered Consumer Discretionary peers, as of 2026-08-24
  • return on equitymiddle range 334 covered Consumer Discretionary peers, as of 2026-08-24
  • 3-year revenue CAGRmiddle range 325 covered Consumer Discretionary peers
  • indicated dividend yieldtop 10% 162 covered Consumer Discretionary peers, as of 2026-08-24
  • free cash flow (absolute dollars, latest fiscal year)middle range 311 covered Consumer Discretionary peers, as of FY2025

Position among covered Consumer Discretionary companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Exceeded at least one reported measure. In FY2025, UPBD's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 120%, free-cash-flow payout 37%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.

  • Earnings payout120% dividends / net income
  • Free-cash-flow payout37% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How UPBOUND GROUP INC looks technically

UPBOUND GROUP INC (UPBD) is trading 1.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 21 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. It is 32.9% below its highest point of the past year.

Trend

7
Distance from the 200-dayit is trading 1.9% below its 200-day average, the long-term trend line — a long-term downtrend-1.9%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $20.07$20.07
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $19.17$19.17
Swing structureits recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swingsmixed — one of the two is not confirming
Last swing turnits last significant turn was a swing low 9 calendar days ago — the swings before that are what the structure reading is measured on9 sessions
Since the 50/200 crossits 50-day average crossed above its 200-day average about 21 trading days ago — a "golden cross", a bullish long-term signal21 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend16.1

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30)41.6
Position in its 14-day rangeit is trading near the bottom of its 14-day range ($18.23 to $21.22) — its "stochastic" reading is 19 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions.19.1
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish)22 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $28.03$28.03
From the 52-week highit is 32.9% below its 52-week high (its highest price of the past year)-32.9%
Above the 52-week lowit is 18.8% above its 52-week low (its lowest price of the past year)+18.8%
Below the 52-week highit is 32.9% below its highest point of the past year32.9%
Since a 20-day breakoutit made a new 20-day low about 2 trading days ago2 sessions
Since a 55-day breakoutit made a new 55-day high about 27 trading days ago27 sessions
All-time highits highest closing price on record is $67.76 (set on 2021-08-25)$67.76
Given back of the 52-week moveover the past year its closes ranged ($16.10 to $27.35), and it has recovered roughly a quarter of its fall from last year’s high — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $23.05 to $23.41. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.24.0%
From the all-time highit is 72.3% below its all-time high-72.3%
Nearest price levelit is sitting right on a resistance level at $18.88 — a price it turned at three times since 2026-03-25, most recently on 2026-08-12. Since 2024-08-21 it has 2 such levels below the current price and 10 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+0.4%
All-time lowits lowest closing price on record is $1.33 (set on 1995-01-25)$1.33
Above the all-time lowit is 1310.0% above its all-time low+1,310%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 72% of it)28th percentile
Typical daily rangein a typical session it travels about $0.7307 between its high and its low — about 3.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.7307
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $18.27 and $21.24 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$18.27 – $19.75 – $21.24
Typical daily range (% of price)its price moves about 3.9% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price3.9%
Stretch from the 200-day averageit is trading 0.5 daily ranges below its 200-day average price (1.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale0.5 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.72×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

1
Since a doji5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level5 sessions ago

Price gaps

3
Gap at the openit opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close+0.8%
Open gapit gapped 2.0% below the previous close 1 session ago and has not traded back through the level it left behind at 19.5 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed-2.0%
Gap filleda 2.3% gap up opened on 2026-08-05 has been "filled" 12 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it12 sessions ago

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 16.5 percentage points (the stock lost 14.2% while the market gained 2.3%)-16.5%
vs market, 3 monthsover the past 3 months this stock beat the market by 3.1 percentage points (the stock gained 6.2% while the market gained 3.1%)+3.1%
vs market, 6 monthsover the past 6 months this stock lagged the market by 28.5 percentage points (the stock lost 17.5% while the market gained 11.1%)-28.5%
vs market, 12 monthsover the past 12 months this stock lagged the market by 41.6 percentage points (the stock lost 21.1% while the market gained 20.5%)-41.6%

Signal agreement

2
Bullish technical signals2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast2 of 9
Bearish technical signals5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 5.2% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.3% of the share price.-5.2%

Volume-weighted price

2
Vs this year’s average price paidthe price is 4% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $19.50 — a volume-weighted average of daily closes over 154 sessions, not a true tick-by-tick VWAP.-3.6%
Vs the average paid since it last reportedthe price is 4% below the average price paid since it last reported on 2026-07-30 (its 8-K), so the typical buyer over that stretch is under water. That average is $19.56 — a volume-weighted average of daily closes over 17 sessions, not a true tick-by-tick VWAP.-3.9%

Price levels it has turned at before

UPBD last closed at $18.80 on 2026-08-21. Since 2024-08-21 it has turned at 2 prices below its last close and 10 above; the 2 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$18.88Resistance0.4% above the last closeturned there three times · 2026-03-25 to 2026-08-12
$19.63Resistance4.4% above the last closeturned there five times · 2025-04-21 to 2026-05-28
$20.36Resistance8.3% above the last closeturned there three times · 2025-10-10 to 2026-04-30
$17.15Support8.8% below the last closeturned there three times · 2025-12-19 to 2026-04-02
$16.74Support11.0% below the last closeturned there twice · 2026-03-20 to 2026-05-19

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$28.25 range $20.00 – $41.00; median $27.25

Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for UPBD

  • Consensus EPS estimate$0.9117 next reporting period, as of 2026-08-17

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Exposure to consumer credit risk and potential for high levels of customer defaults or account write-offs.","Significant reliance on maintaining sufficient liquidity and managing debt obligations.","Susceptibility to economic downturns which may reduce consumer discretionary spending and demand for rental or lease-to-own products."]

See UPBD's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of UPBD's 10-Q filed 2026-05-01 against the prior one filed 2025-10-31.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added reference to 'Note 11 - Contingencies' in the newer filing (2026-05-01) instead of 'Note 12 - Contingencies' in older filing (2025-10-31)
    • Added reference to Annual Report on Form 10-K 'for the year ended December 31, 2025' in newer filing, versus 'for the year ended December 31, 2024' in older filing
    • Added bullet point: 'difficulties encountered in managing the financial and operational performance of our multiple business segments'
    • Added bullet point: 'risks associated with pricing, value proposition and other changes to our consumer offerings and strategies being deployed in our businesses'
    • Added bullet point: 'our ability to continue to effectively execute our strategic initiatives, including mitigating risks associated with any potential additional mergers and acquisitions, or lease-to-own refranchising opportunities'
    • Added bullet point: 'our ability to effectively provide consumers with additional products and services beyond lease-to-own and products and services currently offered by our Brigit segment, including through third-party partnerships'
    • Added phrase 'failure to effectively optimize our proprietary algorithms and customer decisioning tools to limit merchandise losses for our lease-to-own offerings' in newer filing
    • Added bullet point: 'our ability to retain the revenue associated with acquired lease-to-own customer accounts and enhance the performance of acquired stores'
  • Removed:
    • Removed reference to Brigit acquisition closing date 'on January 31, 2025' and parenthetical explanation of 'Bridge IT, Inc. ("Brigit")' from opening section in newer filing
    • Removed phrase 'including Brigit' from the acquisition-related bullet point in newer filing
    • Removed phrase 'including merchandise losses for our lease-to-own offerings' from operating expenses bullet point (narrowed to exclude explicit merchandise losses reference in newer version)
    • Removed phrase 'including in connection with the regulatory matters described in Note 12' from compliance/regulations bullet point in newer filing
  • Reworded:
    • Changed 'Forward-looking statements, include' to 'Forward-looking statements include' (punctuation correction) in newer filing
    • Changed reference from 'host retailers' to 'third-party retailers' in disruptions bullet point
    • Changed 'failure to effectively manage our operating labor and non-labor operating expenses, including failure to effectively optimize our proprietary algorithms and customer decisioning tools to limit merchandise losses' (expanded in newer filing)
    • Changed 'the Brigit business and its consumer products' to 'our Brigit segment and its consumer products' in risk factors bullet
    • Changed 'managing losses and payment defaults' to 'managing losses' (removed 'and payment defaults' reference) in newer filing
    • Removed phrase about Brigit's reliance specifics: changed 'third party data, technology and other third-party service providers' to 'providers of third-party data and technology and other third-party service providers' (minor wording restructure)
  • Notes:
    • Both texts appear truncated at the end of the provided excerpts, limiting complete comparison of full risk factor lists
    • The ordering of bullet points differs between the two filings, suggesting reorganization rather than simple additions/removals
    • Note reference changed from 12 to 11, indicating potential restructuring of financial statement notes

Risk Factors

  • Added:
    • Newer filing (2026-05-01) shows Q1 2026 financial statements dated March 31, 2026, compared to older filing (2025-10-31) showing Q3 2025 and nine-month 2025 statements dated September 30, 2025.
    • Newer filing includes 'Subscriptions and fees' revenue of $67,670 thousand for Q1 2026 (compared to $31,861 thousand in Q1 2025).
    • Newer filing shows cash and cash equivalents of $98,412 thousand as of March 31, 2026.
    • Newer filing Balance Sheet shows total assets of $3,128,117 thousand as of March 31, 2026.
  • Removed:
    • Older filing included nine-month comparative data for 2025 and 2024, which is not present in the newer filing.
    • Older filing included detailed stockholders' equity statement progression through June 30, 2025 and September 30, 2025; newer filing only shows December 31, 2025 to March 31, 2026.
    • Older filing included 'Debt refinancing charges' of $4,894 thousand in Q3 2025 income statement line item, not present in newer filing Q1 2026.
    • Older filing Balance Sheet shows total assets of $3,211,634 thousand as of September 30, 2025, replaced by smaller amount in newer filing.
  • Reworded:
    • Risk Factors section page reference changed from page 43 (older filing, 2025-10-31) to page 36 (newer filing, 2026-05-01).
    • Item references for various sections shifted page numbers: Unregistered Sales, Defaults Upon Senior Securities, Mine Safety Disclosures, and Other Information all moved from page 43 to page 36.
  • Notes:
    • The two filings cover different fiscal periods (Q1 2026 vs. Q3 2025), making year-over-year comparison the primary basis for observable differences.
    • The newer filing presents only condensed financial statements for the three-month period ending March 31, 2026, while the older filing included nine-month cumulative data.
    • Page number changes reflect different document structures and lengths, not substantive accounting changes.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

2 open-market purchases and 0 open-market sales by insiders in the last 90 days.

  • Last 90 days2 buys ($46107) · 0 sells — 1 buying insider
  • Last 180 days4 buys ($91312) · 0 sells — 1 buying insider

Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-07-07. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding UPBD as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 16,205,053
  • Reported value $292,501,194

reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

UPBD had 6,709,705 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

UPBD had 11.5% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.56 days to cover at the same settlement.

  • Reported short interest (shares) 6,709,705
  • Short interest (% of shares outstanding) 11.5%
  • Prior settlement (shares) 6,341,816
  • Reported change 5.8%
  • Days to cover (reported) 5.56

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does UPBOUND GROUP INC (UPBD) do?

Upbound Group is a fintech-oriented company that primarily operates rent-to-own and lease-to-own businesses. The company provides customers with flexible payment options for consumer goods, including furniture, electronics, appliances, and computers, through retail stores and digital platforms. Additionally, it offers subscription-based financial and credit-building services to help underserved consumers manage their finances.

What sector is UPBOUND GROUP INC (UPBD) in?

UPBOUND GROUP INC (UPBD) is classified in the Consumer Discretionary sector. Its industry is Consumer Financial Services / Retail Leasing. It trades on NASDAQ.

Does UPBD pay a dividend?

Yes — UPBOUND GROUP INC (UPBD) pays a dividend, with an indicated yield of about 4.63% and at least 3 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are UPBOUND GROUP INC's (UPBD) competitors?

Notable peers of UPBOUND GROUP INC (UPBD) include Aaron's Company, Conn's, Best Buy and Walmart. This peer set is informational only — not financial advice.

Is UPBOUND GROUP INC (UPBD) overbought or oversold right now?

UPBOUND GROUP INC (UPBD) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 42, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on UPBD come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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