UPBD Stock Risk & Deep Value Analysis
Upbound Group Inc
Technology • Software - Application
DVR Score
out of 10
The Bottom Line on UPBD
We analyzed Upbound Group Inc using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran UPBD through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
📈UPBD Performance Overview3yr weekly
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Weekly adjusted close · Quarterly revenue & EPS · DVR score history
UPBD Stock Risk Analysis
Overall Risk
Aggressive
Financial Risk
Medium
Market Risk
High
About Upbound Group Inc (UPBD)
Sector
Technology
Industry
Software - Application
Market Cap Category
small
Market Cap
$1.03B
UPBD Deep Value Analysis
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UPBD Red Flags & Warning Signs
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Further deterioration of the macroeconomic environment and consumer credit
- ⚠
Increased charge-offs or delinquencies in Acima's portfolio
- ⚠
Heightened regulatory scrutiny on lease-to-own industry
- ⚠
Key competitor gaining significant market share
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UPBD Financial Health Metrics
Market Cap
$1.03B
P/E Ratio
12.17
UPBD Competitive Moat Analysis
PremiumMoat Rating
Narrow
Moat Trend
Stable
Moat Sources
2 Identified
The moat is primarily driven by Upbound's brand recognition and the proprietary data and algorithms used in Acima's underwriting. This allows for better risk assessment and customer acquisition in the non-prime segment. Its durability hinges on continued investment in technology and data, and sustained brand loyalty.
UPBD Competitive Moat Analysis
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UPBD Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (estimated late April / early May 2026)
- •Continued improvement in Acima's credit quality metrics
- •Announcements of new retailer partnerships for Acima
Medium-Term (6-18 months)
- •Sustained improvement in consumer spending and non-prime credit health
- •Acceleration in Acima's Gross Merchandise Volume (GMV) growth
- •Further operational efficiencies and margin expansion
Long-Term (18+ months)
- •Acima establishing market leadership in the virtual lease-to-own segment
- •Expansion into new underserved demographics or product categories
- •Potential for M&A activity to consolidate market share
Catalysts & Growth Drivers
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UPBD Bull Case: What Could Go Right
- ✓
Quarterly acceleration in Acima GMV growth rates
- ✓
Consistent reduction in charge-off and delinquency rates
- ✓
Positive shifts in consumer confidence indicators for the lower-to-middle income demographic
Bull Case Analysis
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FAQ
What is the DVR Score for Upbound Group Inc (UPBD)?
As of March 19, 2026, Upbound Group Inc has a DVR Score of 5.9 out of 10, placing it in the "Proceed with Caution" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Upbound Group Inc?
Upbound Group Inc's market capitalization is approximately $1.0B. The company operates in the Technology sector within the Software - Application industry.
What ticker symbol does Upbound Group Inc use?
UPBD is the ticker symbol for Upbound Group Inc. The company trades on the NMS.
What is the risk level for UPBD stock?
Our analysis rates Upbound Group Inc's overall risk as Aggressive. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of UPBD?
Upbound Group Inc currently has a price-to-earnings (P/E) ratio of 12.2. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Does Upbound Group Inc pay a dividend?
Yes, Upbound Group Inc pays a dividend with a current yield of approximately 885.00%.
How often is the UPBD DVR analysis updated?
Our AI-powered analysis of Upbound Group Inc is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on March 19, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research and consult with a qualified financial advisor.