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← CockpitCompetitor Analysis › UPBD Upbound Group, Inc.Open in the cockpit ↗

Upbound Group, Inc.UPBDCompetitor analysis, valuation and peers

United States · USD·Financials›Finance/Rental/Leasing
Momentum leader 96
Mkt cap
$1.41B
US dollars, full cap
Free float
96%
of shares outstanding
$/day
$27.1M
20-day average traded
P/B
1.88×
price to book
ROE
15.5%
delivered
Implied ROE
23.5%
what the price asks
Next earnings
111 days
25 Feb 2027
Close · USD$24.24
1D-2.6%
1W+17.1%
1M+54.5%
3M+26.1%
6M+29.1%
YTD+38.0%
1Y+22.2%
ATR %4.2%
Beta0.90
52w lowhigh4.2% off high

What Upbound does

Employees: 12,050

Upbound at a glance

Size Upbound (UPBD) is a United States Financials company (Finance/Rental/Leasing) with a market value of $1.41B, the 2034th largest of 3,117 United States companies the cockpit tracks. Shares closed at $24.24 on 6 Nov 2026.

Performance Over six months the shares gained 29.1%, against -1.8% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 21 in its peer set.

Growth Revenue grew 3.2% over the last twelve months (peer median +2.9%); the operating margin is 7.5% (peer median 13.2%).

Valuation It trades at 1.88× book value against a peer median of 1.31× (6th most expensive of 21).

Price implies The share price implies a return on equity of about 23.5%; Upbound delivers 15.5%, so the price asks more than the business earns today.

Short interest Short interest is 15.8% of the free float (15 Oct 2026).

Next results Next results expected around 25 Feb 2027 (exchange calendar; dates can move).

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026UPBD 135Peer median 98
Six months, rebased to 100: Upbound against the median of its 20 peers (local-currency closes).

Upbound financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$4.73B$4.70B$4.32B$3.99B$4.25B
Revenue growth—+9%+8%-6%—
Gross profit$1.61B$1.54B$1.36B$1.28B$1.31B
EBITDA$493M$488M$450M$431M$437M
Net income$111M$73.2M$123M-$5.18M$12.4M
Free cash flow$434M$239M$48.4M$147M$407M
Capital expenditure$65.1M$66.9M$56.3M$53.4M$61.4M
Total debt$1.63B$1.86B$1.58B$1.60B$1.67B

Quarterly statements and history in the cockpit →

Upbound competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-20%0%+20%+40%+60%0%+20%+40%ZIG4665ATLC1905PRG603300WDFIVESTAR9941089860AIFSAMMAANCAP96782666HOMEFIRST8566UPBD6-month return →1-month return →
Up and to the right = strong over both horizons. Upbound is the large dot.

Fundamentals: return on equity against price-to-book

-10%0%10%20×40×ZIG4665ATLC1905PRGWDFIVESTAR9941AIFSAMMAANCAP96782666HOMEFIRST002031ZIPIFCIUPBDReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Upbound is the large dot.

Capital: ROE delivered against the ROE the price implies

0%20%40%60%0%25%50%ZIG4665ATLC1905PRGAIFHOMEFIRST002031ZIPUPBDROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Upbound is the large dot.

Upbound competitors and peer comparison

How Upbound compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Upbound against its 20 peers (data as of 6 Nov 2026)
MeasureUPBDPeer medianRank in peer set
1-month return+54.5%+1.2%highest of 21
6-month return+29.1%-1.8%3rd highest of 21
Return on equity15.5%6.9%4th highest of 21
Price / book1.88×1.31×6th most expensive of 21
Trailing P/E12.8×14.7×7th cheapest of 18
ROE the price implies23.5%12.4%7th most demanding of 21
ROE delivered15.5%7.4%4th highest of 19

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Upbound UPBDUnited States$1.41B+29%+3%16%1.88×23.5%15.5%
Zigup ZIG.LUnited Kingdom$1.41B+14%+3%7%0.96×12.8%7.1%
Duskin 4665.TJapan$1.40B+20%+3%7%1.43×5.4%6.7%
Atlanticus ATLCUnited States$1.38B+8%+84%23%1.97×24.5%22.9%
Haitong Unitrust International Financial Leasing 1905.HKHong Kong$1.38B+57%-20%6%0.52×4.2%6.5%
PROG PRGUnited States$1.47B+4%+10%17%1.82×23.0%17.3%
Zhejiang Haikong Nanke Huatie Digital Technology 603300.SSChina$1.34B-31%+12%5%1.29×9.8%5.3%
Walker & Dunlop WDUnited States$1.34B-28%+9%2%0.76×10.0%2.2%
Five-Star Business Finance FIVESTAR.NSIndia$1.33B-10%+9%15%1.59×22.3%15.2%
Taiwan Acceptance 9941.TWTaiwan$1.31B-6%-3%12%1.10×3.8%12.2%
LOTTE rental 089860.KSSouth Korea$1.56B+74%+4%8%1.34×6.3%7.7%
Altus AIF.TOCanada$1.26B+15%-7%-2%5.50×28.5%-2.2%
Sammaan Capital SAMMAANCAP.NSIndia$1.61B-13%-60%-35%0.80×14.2%n/a
Kanamoto 9678.TJapan$1.23B+17%+2%9%1.20×6.4%9.3%
Metro Bank MTRO.LUnited Kingdom$1.63B+22%+1%4%0.94×12.1%4.3%
Genertec Universal Medical 2666.HKHong Kong$1.21B-19%0%12%0.41×5.1%11.6%
Home First Finance Company India HOMEFIRST.NSIndia$1.21B-10%+19%14%2.45×31.6%14.3%
Ricoh Leasing Company,Ltd 8566.TJapan$1.20B0%+4%5%0.77×4.3%5.3%
Greatoo Intelligent Equipment 002031.SZChina$1.68B-11%-20%-13%6.07×54.9%-13.5%
Zip ZIP.AXAustralia$1.74B-17%+24%17%3.74×66.6%16.8%
IFCI IFCI.NSIndia$1.75B-4%-3%2%1.85×36.2%n/a

Questions

Which companies are Upbound's closest peers?
The cockpit's peer set: Zigup (ZIG.L), Duskin (4665.T), Atlanticus (ATLC), Haitong Unitrust International Financial Leasing (1905.HK), PROG (PRG), Zhejiang Haikong Nanke Huatie Digital Technology (603300.SS), Walker & Dunlop (WD), Five-Star Business Finance (FIVESTAR.NS).
Is Upbound expensive compared with its peers?
On price / book it trades at 1.88× against a peer median of 1.31×, 6th most expensive of 21 in its peer set. The share price implies a return on equity of about 23.5%; Upbound delivers 15.5%, so the price asks more than the business earns today.
How has Upbound stock performed?
Over six months to 6 Nov 2026 the shares returned +29.1% against -1.8% for the median peer; over one year +22.2%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.