UPBD Financials Upbound Group, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Nov 1, 2026, 10:32 UTC Overview →

Growth & profitability

Revenue has grown 10.8% per year over the past 5 years.
Net income has grown slower than revenue (-18.9% vs 10.8% per year).
Operating margin has contracted, at 4.8% in the latest year.
Free cash flow has grown 3.4% per year over the past 5 years.

Financial health

Total debt has grown slower than revenue (-54.9% vs 10.8% per year).
Operating income covered interest expense 2.0× in the latest year, down from 15× 5 years ago.

Shareholder returns

Dividends have been paid for 7 consecutive years, consuming 120.4% of earnings and 36.8% of free cash flow.
The dividend has grown 6.8% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$4.7B	$73M	48.4%	4.8%	10.5%	2.2%	$239M	—	$121M
2024	$4.3B	$124M	48.1%	6.7%	19.7%	4.7%	$48M	—	$61M
2023	$4.0B	-$5M	50.7%	4.1%	-0.9%	-0.2%	$147M	—	$94M
2022	$4.2B	$12M	49.0%	3.5%	2.3%	0.4%	$407M	—	$144M
2021	$4.6B	$135M	48.8%	6.1%	26.3%	4.5%	$330M	—	$108M
2020	$2.8B	$208M	59.4%	8.4%	35.1%	11.9%	$202M	—	$159M
2019	$2.7B	$174M	61.6%	9.5%	37.8%	11.0%	$194M	—	$70M
2018	$2.7B	$8M	63.5%	2.1%	3.0%	0.6%	$200M	—	$155M
2017	$2.7B	$7M	63.6%	-2.3%	2.4%	0.5%	$45M	—	$73M
2016	$3.0B	-$105M	65.3%	-2.2%	-39.7%	-6.6%	$293M	$192M	$95M
2015	$3.3B	-$954M	64.6%	-30.7%	-248.6%	-48.3%	$150M	$426M	$60M
2014	$3.2B	$96M	69.2%	6.1%	6.9%	2.9%	-$65M	—	$46M
2013	$3.1B	$129M	69.6%	8.0%	9.6%	4.3%	$26M	—	$42M
2012	$3.1B	$180M	69.5%	10.2%	12.3%	6.3%	$115M	—	$61M
2011	$2.9B	$163M	71.2%	10.1%	12.0%	5.8%	$154M	—	$88M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Sep '26	$1.1B	$34M	50.6%	6.2%	4.6%	1.1%	$147M	—	$125M
Jun '26	$1.2B	$22M	51.1%	4.7%	2.9%	0.7%	$108M	—	$105M
Mar '26	$1.2B	$36M	48.1%	6.3%	5.0%	1.1%	$155M	—	$98M
Dec '25	$1.2B	$20M	49.0%	4.8%	2.8%	0.6%	$24M	—	$121M
Sep '25	$1.2B	$13M	48.3%	4.5%	1.9%	0.4%	$69M	—	$107M
Jun '25	$1.2B	$15M	49.4%	4.4%	2.3%	0.5%	$8M	—	$107M
Mar '25	$1.2B	$25M	46.8%	5.3%	3.7%	0.8%	$137M	—	$107M
Dec '24	$1.1B	$31M	47.1%	7.3%	4.9%	1.2%	-$74M	—	$61M
Sep '24	$1.1B	$31M	47.8%	6.6%	5.0%	1.2%	$88M	—	$85M
Jun '24	$1.1B	$34M	49.4%	7.5%	5.7%	1.3%	$613000	—	$83M
Mar '24	$1.1B	$28M	48.3%	5.6%	4.8%	1.1%	$34M	—	$85M
Dec '23	$1.0B	-$11M	50.3%	5.5%	-2.0%	-0.4%	-$37M	—	$94M
Sep '23	$979M	$4M	50.8%	5.9%	0.7%	0.2%	$63M	—	$106M
Jun '23	$979M	-$46M	51.7%	8.6%	-7.3%	-1.8%	$25M	—	$87M
Mar '23	$1.0B	$47M	49.8%	-3.5%	7.1%	1.7%	$96M	—	$172M
Dec '22	$990M	$3M	50.0%	4.3%	0.5%	0.1%	$44M	—	$144M
Sep '22	$1.0B	-$6M	49.4%	3.6%	-1.1%	-0.2%	$106M	—	$166M
Jun '22	$1.1B	$20M	49.7%	5.4%	3.5%	0.7%	$67M	—	$112M
Mar '22	$1.2B	-$4M	47.1%	1.0%	-0.8%	-0.2%	$189M	—	$96M
Dec '21	$1.2B	$10M	48.5%	3.1%	1.9%	0.3%	$50M	—	$108M

Valuation over time

How the market has priced UPBD against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has fallen from 119.0× (Mar '23) to 18.2× (Nov '26).
The price-to-sales ratio has fallen from 0.3× (Mar '23) to 0.3× (Nov '26).
The dividend yield has risen from 5.5% (Mar '23) to 6.6% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is UPBD growing its revenue and profit?

Over the past 5 years, Upbound Group, Inc.'s revenue has grown 10.8% per year, and net income declined 18.9% per year. These are computed facts, not advice.

How much debt does UPBD have?

As of FY2025, Upbound Group, Inc. reported — of total debt against $121M of cash; operating income covered interest expense 2.0×.

What is UPBD's profit margin?

In FY2025, gross margin was 48.4%, operating margin 4.8%, and net margin 1.6%.

What is UPBD's P/E ratio?

Upbound Group, Inc.'s P/E (TTM) is 11.95 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the UPBD stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 18.2× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.