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Upturn AI SWOT - About
Upbound Group Inc. (UPBD)
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Upturn Advisory Summary
08/14/2025: UPBD (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $34.5
1 Year Target Price $34.5
| 5 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.27% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 12.93 | 1Y Target Price 34.5 |
Price to earnings Ratio 12.93 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 8 | Beta 1.76 | 52 Weeks Range 19.38 - 34.45 | Updated Date 08/15/2025 |
52 Weeks Range 19.38 - 34.45 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 6.44% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date 2025-07-30 | When Before Market | Estimate 1.06 | Actual 1 |
Profitability
Profit Margin 2.28% | Operating Margin (TTM) 7.21% |
Management Effectiveness
Return on Assets (TTM) 6.95% | Return on Equity (TTM) 15.93% |
Valuation
Trailing PE 12.93 | Forward PE 6.19 | Enterprise Value 3088300821 | Price to Sales(TTM) 0.3 |
Enterprise Value 3088300821 | Price to Sales(TTM) 0.3 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA 1.79 | Shares Outstanding 57895600 | Shares Floating 51898782 |
Shares Outstanding 57895600 | Shares Floating 51898782 | ||
Percent Insiders 10.09 | Percent Institutions 84.01 |
Upturn AI SWOT
Upbound Group Inc.
Company Overview
History and Background
Upbound Group Inc., formerly Rent-A-Center, Inc., was founded in 1973. It evolved from a single store in Wichita, Kansas, to a leading provider of lease-to-own services. Over the years, it expanded nationally and internationally, acquired other companies, and adapted to changing market conditions.
Core Business Areas
- Rent-A-Center: Provides lease-to-own services for furniture, electronics, appliances, and computers through company-operated and franchised stores.
- Acima: A virtual lease-to-own solution offered through retailers' websites and in-store kiosks.
- Preferred Lease: A lease-to-own solution for retailers who wish to offer LTO with their own branding.
Leadership and Structure
The company is led by a CEO and a board of directors. It has a typical corporate structure with departments for finance, operations, marketing, and technology. Mitch Fadel is the CEO.
Top Products and Market Share
Key Offerings
- Furniture Leasing: Lease-to-own furniture is a core product offering. Competitors include other LTO providers and furniture retailers offering financing. Market Share: Difficult to ascertain precisely, but RAC is a major player in the LTO furniture market.
- Electronics Leasing: Lease-to-own electronics, including TVs, gaming consoles, and computers. Competitors include Best Buy (financing) and other LTO companies. Market Share: Significant, but varies by product category and region.
- Appliance Leasing: Lease-to-own appliances like refrigerators, washers, and dryers. Competitors include big box retailers offering financing, and other LTO businesses. Market Share: Material portion of total revenue, difficult to give a precise number.
Market Dynamics
Industry Overview
The lease-to-own industry caters to customers who may have difficulty obtaining traditional financing. It's influenced by economic conditions, consumer spending habits, and regulatory factors.
Positioning
Upbound Group Inc. is a leading player in the LTO market, with a large store network and a growing online presence. Its competitive advantages include brand recognition, scale, and proprietary technology.
Total Addressable Market (TAM)
The total market value is estimated to be in the billions of dollars, driven by demand for durable goods among credit-constrained consumers. Upbound Group is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Large store network
- Proprietary technology
- Diverse product offerings
- Experienced management team
Weaknesses
- Dependence on economic conditions
- High operating costs
- Regulatory scrutiny
- Potential for customer defaults
- Brand image challenges
Opportunities
- Expanding online presence
- Acquiring smaller competitors
- Developing new products and services
- Entering new markets
- Partnerships with retailers
Threats
- Economic downturns
- Increased competition
- Changes in regulations
- Technological disruptions
- Shifting consumer preferences
Competitors and Market Share
Key Competitors
- Aaron's Holdings Company, Inc.(AAN)
- Progressive Leasing(owned by PROG Holdings, Inc.)(PRG)
- FlexShopper, Inc.(FPAY)
Competitive Landscape
Upbound competes in a fragmented market. The LTO industry is competitive.
Major Acquisitions
Acima
- Year: 2020
- Acquisition Price (USD millions): 1275
- Strategic Rationale: Expanded Upbound's virtual LTO capabilities and broadened its customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns of Upbound need to be summarized here.
Future Projections: Future projections for Upbound's growth based on analyst estimates need to be gathered and summarized here.
Recent Initiatives: Any strategic initiatives from Upbound would be highlighted here.
Summary
Upbound Group Inc. operates in a competitive but essential market, catering to customers with limited access to traditional credit. Their brand recognition and store network provide a solid foundation, but high operating costs and regulatory scrutiny pose challenges. Expanding their online presence and pursuing strategic partnerships are key to future growth, while navigating economic uncertainties will be crucial for sustained success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data can fluctuate, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Upbound Group Inc.
Exchange NASDAQ | Headquaters Plano, TX, United States | ||
IPO Launch date 1995-01-25 | Executive VP, CEO, CFO & Director Mr. Fahmi Karam CPA | ||
Sector Technology | Industry Software - Application | Full time employees 11970 | Website https://www.upbound.com |
Full time employees 11970 | Website https://www.upbound.com | ||
Upbound Group, Inc. leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. It operates through four segments: Rent-A-Center, Acima, Mexico, and Franchising. The company's brands, such as Rent-A-Center and Acima that facilitate consumer transactions across a range of store-based and virtual channels. It also provides furniture comprising mattresses, wheel and tires, consumer electronics, appliances, tools, handbags, computers, smartphones, and accessories. In addition, the company offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchised lease-to-own stores under the Rent-A-Centre, ColorTyme, and RimTyme names; and company-owned stores and e-commerce platform through rentacenter.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was founded in 1960 and is based in Plano, Texas.
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