Upbound Group, Inc. Financial Ratios — UPBD Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.05	12.75	9.2	7.08	-107.56	-32.44	2.48	3.04	46.56	39.6	24.42	2.38	-0.95	20.76	11.06
Return on Assets (%)	5.96	6.36	4.38	3.07	-36.35	-5.88	0.44	0.6	11.65	12.49	5.69	0.43	-0.19	4.6	2.47
Return on Capital (%)	8.98	9.39	6.93	5.46	- -	- -	- -	3.92	21.94	21.78	10.68	1.31	-0.75	9.17	6.29
Return on Invested Capital (%)	7.94	8.68	6.84	5.51	- -	- -	- -	3.72	21.01	21.06	11.04	1.28	-0.72	9.18	6.32
Gross Margin (%)	71.21	69.5	69.6	69.17	64.61	65.3	63.59	63.45	61.58	59.42	48.76	48.98	50.65	48.15	48.39
EBITDA Margin (%)	31.84	32.9	31.61	30.41	-6.41	22.61	23.46	27.88	35	32.96	36.37	35.6	36.49	39.64	37.02
Operating Margin (%)	10.94	10.18	8.02	6.13	4.94	2.86	-2.33	2.11	9.51	8.43	6.12	3.5	4.08	6.75	4.76
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	24.55	56.68	- -	2,106.34	- -	2.44	39.05	- -	39.24	- -
Pretax Margin (%)	8.84	9.16	6.73	4.51	-32.23	-3.82	-4.08	0.52	8.38	7.92	4.24	1.45	1.32	4.11	2.3
Profit Margin (%)	5.67	5.85	4.16	3.05	-29.08	-3.55	0.25	0.32	6.5	7.4	2.94	0.29	-0.13	2.86	1.56
Net Income to Common Margin (%)	5.67	5.85	4.16	3.05	-29.08	-3.55	0.25	0.32	6.5	7.4	2.94	0.29	-0.13	2.86	1.56
Effective Tax Rate (%)	35.83	36.12	38.16	32.27	- -	- -	- -	38.65	22.45	6.58	30.55	79.9	109.8	30.45	32.24
Dvd Payout Ratio (%)	16.45	21.03	36.35	50.47	-5.35	-24.29	192.56	- -	7.9	30.33	52.99	640.84	-1,603.71	66.65	119.97
Sustainable Growth Rate (%)	10.07	10.07	5.85	3.5	-113.32	-40.32	-2.29	3.04	42.88	27.59	11.48	-12.87	-16.26	6.92	-2.21

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	759	688	935	1,057	970	724	679	540	516	476	1,868	1,674	1,600	1,583	1,857
ST Debt	18	- -	18	15	15	- -	6	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	741	688	916	1,043	956	724	673	540	516	476	1,868	1,674	1,600	1,583	1,857
Total Debt/EBITDA	0.83	0.68	0.96	1.1	-4.62	1.08	1.07	0.73	0.55	0.51	1.12	1.11	1.1	0.92	1.07
Net Debt/EBITDA	0.73	0.62	0.91	1.05	-4.33	0.94	0.96	0.52	0.17	0.03	0.88	0.81	0.83	0.73	0.83
Total Debt/EBIT	2.61	2.2	3.78	5.47	-0.96	-10.87	-10.76	9.62	2.03	2	6.66	11.27	9.82	5.43	8.31
Net Debt/EBIT	2.3	2	3.61	5.23	-0.9	-9.44	-9.6	6.85	0.63	0.13	5.21	8.25	7.45	4.28	6.49
EBITDA to Interest Expense	24.65	31.56	24.68	20.07	-4.26	14.2	13.78	17.26	30.12	60.53	23.52	17.23	12.85	15.49	15.38
EBITDA-CapEx/Interest Expense	21.08	28.36	21.95	18.32	-5.9	12.91	12.36	16.61	29.43	58.28	22.64	16.53	12.37	14.98	14.79
EBIT to Interest Expense	8.47	9.76	6.26	4.04	3.29	1.8	-1.37	1.31	8.18	15.49	3.96	1.69	1.44	2.64	1.98
Interest Expense	37	32	40	48	49	47	46	43	31	15	71	88	113	111	113
Common Equity/Total Assets	48.52	51.19	44.26	42.47	19.43	16.53	19.18	20.51	29	33.81	17.15	19	20.59	23.74	21.24
Long-Term Debt/Equity (%)	54.5	46.96	68.59	75.06	249.18	273.36	246.98	188.49	112.42	80.37	363.88	318.85	285.54	251.61	266.86
Long-Term Debt/Capital (%)	34.97	31.95	40.36	42.62	70.59	73.22	70.75	65.34	52.92	44.56	78.44	76.12	74.06	71.56	72.74
Long-Term Debt/Total Assets (%)	26.44	24.04	30.36	31.88	48.41	45.19	47.36	38.66	32.6	27.18	62.4	60.59	58.79	59.73	56.67
Total Debt/Equity (%)	55.84	46.96	69.96	76.1	252.98	273.36	249.09	188.49	112.42	80.37	363.88	318.85	285.54	251.61	266.86
Total Debt/Capital (%)	35.83	31.95	41.16	43.21	71.67	73.22	71.35	65.34	52.92	44.56	78.44	76.12	74.06	71.56	72.74
Total Debt/Total Assets (%)	27.09	24.04	30.96	32.32	49.15	45.19	47.76	38.66	32.6	27.18	62.4	60.59	58.79	59.73	56.67
Net Debt to Equity	49.35	42.79	66.79	72.78	237.24	237.36	222.3	134.25	34.95	5.24	285.01	233.21	216.45	198.54	208.32
Net Debt/Capital (%)	33.04	29.97	40.05	42.12	70.35	70.36	68.97	57.31	17.74	3.42	64.37	59.58	58.69	58.06	59.6
EBITDA	918	1,012	978	960	-210	670	634	742	935	928	1,667	1,512	1,457	1,713	1,738
EBITDA-CapEx	785	910	870	876	-291	609	568	714	913	893	1,605	1,450	1,404	1,656	1,671
Operating Income (Loss)	315	313	248	193	162	85	-63	56	254	237	281	149	163	292	223

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.25	0.18	0.11	0.11	0.16	0.25	0.22	0.41	0.18	0.35	0.25	0.32	0.21	0.16	0.25
Current Ratio	0.58	0.55	0.49	0.77	0.8	0.58	0.63	0.73	0.52	0.68	0.55	0.69	0.58	0.75	1.01
Quick Ratio	0.38	0.33	0.27	0.27	0.35	0.43	0.43	0.59	0.39	0.56	0.53	0.58	0.45	0.59	0.68
CFO/Avg Current Liab	0.58	0.62	0.37	0.05	0.59	0.94	0.31	0.63	0.55	0.56	0.88	1.06	0.45	0.25	0.72
Common Equity/Total Assets	48.52	51.19	44.26	42.47	19.43	16.53	19.18	20.51	29	33.81	17.15	19	20.59	23.74	21.24
Long-Term Debt/Equity (%)	54.5	46.96	68.59	75.06	249.18	273.36	246.98	188.49	112.42	80.37	363.88	318.85	285.54	251.61	266.86
Long-Term Debt/Capital (%)	34.97	31.95	40.36	42.62	70.59	73.22	70.75	65.34	52.92	44.56	78.44	76.12	74.06	71.56	72.74
Long-Term Debt/Total Assets (%)	26.44	24.04	30.36	31.88	48.41	45.19	47.36	38.66	32.6	27.18	62.4	60.59	58.79	59.73	56.67
Total Debt/Equity (%)	55.84	46.96	69.96	76.1	252.98	273.36	249.09	188.49	112.42	80.37	363.88	318.85	285.54	251.61	266.86
Total Debt/Capital (%)	35.83	31.95	41.16	43.21	71.67	73.22	71.35	65.34	52.92	44.56	78.44	76.12	74.06	71.56	72.74
Total Debt/Total Assets (%)	27.09	24.04	30.96	32.32	49.15	45.19	47.76	38.66	32.6	27.18	62.4	60.59	58.79	59.73	56.67
CFO/Total Liabilities	19.87	15.61	7.99	1.02	14.52	26.47	9.63	20.49	19.17	20.41	15.82	20.93	9.27	5.18	11.84
CFO/CapEx	2.16	2.13	1.24	0.23	2.86	5.79	1.69	8.14	10.18	6.85	6.28	7.63	3.75	1.86	4.57
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	52.03	60.88	55.25	50.66	47.37	41.49	38.68	38.15	34.73	32.32	42.36	35.64	35.83	32.31	26.11
Days Sales Outstanding	7.01	6	6.61	7.21	7.71	8.8	9.44	9.57	10.51	11.29	8.62	10.24	10.19	11.3	13.98
Inventory Turnover	1.96	239.4	241.81	218.92	243.69	247.85	257.12	247.44	235.49	221.39	396.56	323.43	294.36	375.87	451.82
Days Inventory Outstanding	186.17	1.52	1.51	1.67	1.5	1.47	1.42	1.48	1.55	1.65	0.92	1.13	1.24	0.97	0.81
Accounts Payable Turnover	-0.07	9.17	8.55	7.43	9.74	10.04	9.91	9.52	7.28	6.45	14.6	14.88	11.84	15.3	17.98
Accounts Payable Turnover Days	-4,958.67	39.82	42.68	49.14	37.48	36.35	36.82	38.33	50.11	56.57	24.99	24.52	30.83	23.86	20.3
Cash Conversion Cycle	5,151.86	-32.3	-34.56	-40.27	-28.27	-26.08	-25.96	-27.29	-38.05	-43.63	-15.46	-13.15	-19.4	-11.59	-5.51
Inventory to Cash Days	-179.16	4.47	5.1	5.54	6.21	7.32	8.02	8.09	8.96	9.64	7.7	9.11	8.95	10.33	13.17
Inventories	4	4	4	5	5	4	4	4	5	5	6	7	6	6	5
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	4	4	4	5	5	4	4	4	5	5	6	7	6	6	5
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	88	61	42	46	60	95	73	155	70	159	108	144	94	61	121
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	759	688	935	1,057	970	724	679	540	516	476	1,868	1,674	1,600	1,583	1,857
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	2,118	2,152	2,270	2,447	1,354	989	951	827	975	1,068	2,381	2,200	2,160	2,212	2,552
Total Debt/Capital (%)	35.83	31.95	41.16	43.21	71.67	73.22	71.35	65.34	52.92	44.56	78.44	76.12	74.06	71.56	72.74
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	2,882	3,076	3,094	3,158	3,278	2,963	2,703	2,660	2,670	2,814	4,583	4,245	3,992	4,321	4,695
TTM EBITDA	918	1,012	978	960	-210	670	634	742	935	928	1,667	1,512	1,457	1,713	1,738
TTM Operating Income	315	313	248	193	162	85	-63	56	254	237	281	149	163	292	223
TTM Cash Flow to Firm	311	238	159	52	- -	- -	- -	254	239	251	442	486	189	182	382
TTM Free Cash Flow to Firm	178	136	50	-32	- -	- -	- -	226	218	216	379	425	136	125	315

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	59	58	53	53	53	53	53	54	55	54	66	56	54	55	58
Diluted Weighted Avg Shares	62	59	55	53	53	53	54	55	56	56	67	59	55	55	59
Basic Weighted Avg Shares	61	59	55	53	53	53	53	53	54	54	57	54	55	55	56
Revenue per Share	47.1	52.21	56.46	59.75	61.8	55.75	50.72	49.76	49.15	51.93	80.34	78.84	72.62	79.05	83.13
EBITDA per Share	15	17.18	17.85	18.17	-3.96	12.61	11.9	13.87	17.2	17.12	29.22	28.07	26.5	31.33	30.77
Operating Income per Share	5.15	5.31	4.53	3.66	3.06	1.59	-1.18	1.05	4.67	4.38	4.92	2.76	2.96	5.34	3.95
Basic EPS, GAAP	2.67	3.06	2.35	1.82	-17.97	-1.98	0.12	0.16	3.19	3.84	2.37	0.23	-0.09	2.26	1.3
Basic EPS from Cont Ops	2.67	3.06	2.35	1.82	-17.97	-1.98	0.12	0.16	3.19	3.84	2.37	0.23	-0.09	2.26	1.3
Diluted EPS, GAAP	2.64	3.03	2.33	1.81	-17.97	-1.98	0.12	0.16	3.1	3.73	2.02	0.21	-0.09	2.26	1.25
Diluted EPS from Cont Ops	2.64	3.03	2.33	1.81	-17.97	-1.98	0.12	0.16	3.1	3.73	2.02	0.21	-0.09	2.26	1.25
Dividend per Share	0.44	0.64	0.85	0.92	0.96	0.48	0.24	- -	0.25	1.16	1.25	1.47	1.51	1.51	1.56
Cash Flow per Share	4.68	3.7	2.45	0.36	4.35	6.66	2.07	4.25	3.97	4.36	6.88	8.7	3.64	1.92	5.41
Free Cash Flow per Basic Share	2.52	1.96	0.47	-1.22	2.83	5.51	0.85	3.73	3.58	3.73	5.78	7.56	2.67	0.89	4.23
Cash & Equivalents per Share	1.49	1.05	0.8	0.87	1.14	1.79	1.37	2.9	1.29	2.94	1.64	2.59	1.72	1.11	2.08
Book Value per Share	23	25.23	25.33	26.22	7.23	4.98	5.11	5.35	8.38	10.91	7.76	9.43	10.31	11.49	12.01
Tangible Book Value per Share	0.14	1.92	-0.71	0.22	3.2	3.85	4.03	4.28	6.94	9.47	-3.05	-2.23	-0.57	1.53	-2.44