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Upturn AI SWOT - About
UPBD 
Upbound Group Inc. (UPBD)
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Upturn Advisory Summary
10/15/2025: 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 $36.38
1 Year Target Price $36.38
| 5 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.29% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.25B USD | Price to earnings Ratio 12.03 | 1Y Target Price 36.38 |
Price to earnings Ratio 12.03 | 1Y Target Price 36.38 | ||
Volume (30-day avg) 8 | Beta 1.79 | 52 Weeks Range 19.07 - 33.90 | Updated Date 10/17/2025 |
52 Weeks Range 19.07 - 33.90 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 7.01% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.03 | Forward PE 6.95 | Enterprise Value 3059931973 | Price to Sales(TTM) 0.28 |
Enterprise Value 3059931973 | Price to Sales(TTM) 0.28 | ||
Enterprise Value to Revenue 0.68 | Enterprise Value to EBITDA 1.77 | Shares Outstanding 57895609 | Shares Floating 51928309 |
Shares Outstanding 57895609 | Shares Floating 51928309 | ||
Percent Insiders 10.03 | Percent Institutions 94.05 |
Upturn AI SWOT
Upbound Group Inc.
Company Overview
History and Background
Upbound Group, formerly Rent-A-Center, Inc., was founded in 1973. It evolved from a single rent-to-own store to a national chain. Significant milestones include expansion through acquisitions and transitioning to a multi-brand platform focused on providing financial solutions for underserved consumers.
Core Business Areas
- Rent-A-Center: Offers durable goods such as furniture, appliances, electronics, and computers to consumers on a rent-to-own basis. It primarily caters to customers who may not have access to traditional credit.
- Acima: Provides lease-to-own financing solutions through retailers, enabling consumers to acquire goods and services through flexible payment plans.
- Preferred Lease: Operates a virtual rent-to-own business, providing consumers with access to a wide selection of merchandise through online retailers.
Leadership and Structure
The leadership team consists of a CEO, CFO, and other key executives. The organizational structure includes distinct divisions for each core business area, supported by centralized functions such as finance, marketing, and operations.
Top Products and Market Share
Key Offerings
- Rent-to-Own Merchandise: Furniture, appliances, electronics. Competitors include Conn's (CONN), Aarons (AAN), and local rent-to-own businesses. No reliable market share data available, but it is a significant portion of revenue. The Rent-A-Center segment contributes a significant amount to total company revenue.
- Lease-to-Own Financing (Acima): Financing solutions for retailers. Competitors include Katapult and Progressive Leasing (owned by Aaron's). Acima's business is positioned in a crowded market of Fintech lenders, with market share changing over time.
Market Dynamics
Industry Overview
The rent-to-own and lease-to-own industry caters to consumers with limited access to traditional credit. The industry is subject to economic cycles and regulatory scrutiny.
Positioning
Upbound Group is a major player in the rent-to-own industry, with a large network of stores and a growing presence in the lease-to-own financing space. Its competitive advantages include its established brand, scale, and diversified business model.
Total Addressable Market (TAM)
The TAM for the lease-to-own market is estimated to be in the tens of billions of dollars. Upbound Group is positioned to capture a share of this market through its Acima and Preferred Lease platforms.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Large store network
- Diversified business model (Rent-A-Center, Acima, Preferred Lease)
- Strong presence in the rent-to-own market
- Fintech enabled platform
Weaknesses
- High operating costs associated with store network
- Exposure to economic cycles and consumer credit risk
- Dependence on consumer spending
- Regulatory compliance risk
Opportunities
- Expanding the Acima platform to new retailers
- Increasing online sales and digital capabilities
- Acquiring or partnering with complementary businesses
- Entering new geographic markets
- Expanding to serve Gen Z and younger consumer categories
Threats
- Increased competition from other rent-to-own and lease-to-own providers
- Changes in consumer preferences and spending habits
- Economic downturns and recessions
- Regulatory changes affecting the rent-to-own industry
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- AAN
- CONN
- Private rent-to-own companies
Competitive Landscape
Upbound Group benefits from scale, but faces competition from other national and regional players, as well as emerging fintech companies. The competitive landscape is dynamic and subject to changes in technology and consumer preferences.
Major Acquisitions
Acima
- Year: 2021
- Acquisition Price (USD millions): 1275
- Strategic Rationale: Expanded Upbound's reach into the lease-to-own fintech space, diversifying revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth information needs to be obtained from Upbound Group's official financial reports (e.g., 10-K).
Future Projections: Future Projections and analyst expectations information needs to be obtained from Upbound Group's official financial reports (e.g., 10-K).
Recent Initiatives: Focus on digital transformation, expansion of the Acima platform, and cost optimization initiatives.
Summary
Upbound Group possesses a strong presence in the rent-to-own market with a diversified business model that is expanding into the lease-to-own space. While its established brand and scale are advantageous, it faces challenges from economic cycles, regulatory scrutiny, and increasing competition. Digital transformation and platform expansion present growth opportunities, but ongoing cost optimization and cybersecurity vigilance are crucial. The company is in a competitive industry and will need to continue to innovate to stay ahead.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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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