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UPBD$19.06-0.78%
Fair $19.06+0.0%

UPBD

Upbound Group, Inc.

Technology / Software - ApplicationNasdaqGS

$19.06

-0.15 (-0.78%)

Fairly Valued+0.0%Fair Value $19.06Fund rank 29/100 · Data gapFallback financials|
SA 40/C
F-Score: 4/9
High Debt

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 25% · confianza 25%

FCF escenarios

weak_data · normalized FCF $146.9M · quality 48.3/100

Data gap 29/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 61/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

40/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 18Warnings: 1unknown: 18
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Debt-to-Equity ratio is 2.67, above the 2.0 threshold
Thesis & Journal · UPBDLocal privado en este navegador · Upbound Group, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.1B

P/E

13.2x

↓

EV/EBITDA

1.6x

↓

ROE

10.5%

↑

Gross Margin

48.4%

↑

Debt/Equity

2.67

↑
52-Week Range$19
$16$28

TradingView lightweight chart

UPBD price, volumen y niveles de valoración

Último $19.06Periodo +113.6%
Fair value: $19.06

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2008–2025 · 17 años de histórico normalizado

Revenue CAGR

+2.9%

FCF CAGR

-1.8%

FCF margin

5.1%

FCF / Net income

3.26x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $4.70B · net income $73.2M · FCF $238.7M

2008-FY → 2025-FY

Gross margin

48.4%— pts

Operating margin

4.8%-4.8% pts

Net margin

1.6%-3.3% pts

FCF margin

5.1%-6.1% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
Income Statement
Revenue$4.70B$4.70B$4.32B$3.99B$4.25B$4.58B$2.81B$2.67B$2.66B$2.70B$2.96B$3.28B$3.16B$3.09B$3.08B$2.88B$2.73B$2.75B$2.88B
Net Income$73.2M$73.2M$123.5M$-5.2M$12.4M$134.9M$208.1M$173.5M$8.5M$6.7M$-105.2M$-953.5M$96.4M$128.8M$180.0M$163.5M$171.6M$167.9M$139.6M
EBITDA$1.74B$1.74B$1.71B$1.46B$1.51B——————————————
EPS1.251.252.21-0.090.212.023.733.100.160.12-1.98-17.971.812.333.032.642.602.522.08
Gross Margin48.4%48.4%48.1%50.7%49.0%48.8%59.4%61.6%63.5%63.6%65.3%64.6%69.2%69.6%69.5%71.2%73.1%72.2%—
Operating Margin4.8%4.8%6.7%4.1%3.5%6.1%8.4%9.5%2.1%-2.3%-2.2%-30.7%6.1%8.0%10.2%10.1%11.1%10.8%9.5%
Net Margin1.6%1.6%2.9%-0.1%0.3%2.9%7.4%6.5%0.3%0.2%-3.5%-29.1%3.1%4.2%5.9%5.7%6.3%6.1%4.8%
Balance Sheet
Debt/Equity2.672.672.522.863.19—————0.721.11———————
Current Ratio2.962.96—————————————————
Cash Flow
Free Cash Flow$238.7M$238.7M$48.4M$146.9M$407.1M$329.8M$202.0M$194.3M$199.5M$45.1M$292.9M$150.1M$-64.7M$26.0M$115.4M$153.9M$123.5M$261.3M$322.4M
Returns
ROE10.5%10.5%19.6%-0.9%2.4%26.3%35.1%37.8%3.0%2.4%-39.7%-248.6%6.9%9.6%12.3%12.0%12.7%13.5%12.9%
Valuation
P/E13.2413.2412.99—116.24——————————————
EV/EBITDA1.641.641.812.271.96——————————————
P/B1.611.612.493.222.74——————————————
Growth & Yield
Revenue Growth8.7%8.7%8.2%-6.0%—62.9%5.4%0.4%-1.6%-8.8%-9.6%3.8%2.1%0.6%6.7%5.5%-0.7%-4.6%—
EPS Growth-43.4%-43.4%2555.6%-142.9%—-45.8%20.3%1837.5%33.3%106.1%89.0%-1092.8%-22.3%-23.1%14.8%1.5%3.2%21.2%—
Dividend Yield8.1%8.1%—————————————————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

10.6%

razonable

EPS terminal req.

$1.69

Spread vs growth

-54.0%

5Y implied EPS CAGR

10.4%

razonable

EPS terminal req.

$2.05

Spread vs growth

-53.8%

10Y implied EPS CAGR

10.2%

razonable

EPS terminal req.

$3.30

Spread vs growth

-53.6%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -8.8%

Total return

-8.8%

Start / end P/E

10.4x → 15.2x

EPS bridge

2.21 → 1.25

Residual

-20.4%

EPS growth-43.4%
Multiple rerating+46.9%
Dividend+8.1%
Residual / FX / buybacks / cross-term-20.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.