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Upturn AI SWOT - About
Upbound Group Inc. (UPBD)
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Upturn Advisory Summary
06/30/2025: UPBD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $36
1 Year Target Price $36
| 5 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.2% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.47B USD | Price to earnings Ratio 11.96 | 1Y Target Price 36 |
Price to earnings Ratio 11.96 | 1Y Target Price 36 | ||
Volume (30-day avg) 8 | Beta 1.75 | 52 Weeks Range 19.38 - 36.62 | Updated Date 06/30/2025 |
52 Weeks Range 19.38 - 36.62 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 6.12% | Basic EPS (TTM) 2.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.74% | Operating Margin (TTM) 6.9% |
Management Effectiveness
Return on Assets (TTM) 7.4% | Return on Equity (TTM) 19.18% |
Valuation
Trailing PE 11.96 | Forward PE 6.95 | Enterprise Value 3174520606 | Price to Sales(TTM) 0.33 |
Enterprise Value 3174520606 | Price to Sales(TTM) 0.33 | ||
Enterprise Value to Revenue 0.72 | Enterprise Value to EBITDA 1.84 | Shares Outstanding 57825500 | Shares Floating 51834809 |
Shares Outstanding 57825500 | Shares Floating 51834809 | ||
Percent Insiders 10.1 | Percent Institutions 85.47 |
Analyst Ratings
Rating 3 | Target Price 36 | Buy 1 | Strong Buy 5 |
Buy 1 | Strong Buy 5 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Upbound Group Inc.
Company Overview
History and Background
Upbound Group Inc., formerly Rent-A-Center, was founded in 1973. It initially focused on rent-to-own services but has evolved to include fintech and other retail solutions.
Core Business Areas
- Acima: Provides lease-to-own financing solutions for retailers, allowing customers to acquire goods through flexible payment plans.
- Rent-A-Center: Offers rent-to-own options for furniture, appliances, electronics, and computers.
Leadership and Structure
Mitchell E. Fadel serves as the Chief Executive Officer. The company operates with a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Acima Leasing: A virtual lease-to-own solution facilitating purchases with retailers. Competitors include Affirm, Klarna, and Katapult. No specific market share data available.
- Rent-A-Center RTO Agreements: Traditional rent-to-own agreements for durable goods. Competitors include Conn's and other regional RTO providers. No specific market share data available.
Market Dynamics
Industry Overview
The retail and fintech industries are evolving rapidly with increasing demand for flexible payment options. The lease-to-own market caters to consumers who may not qualify for traditional credit.
Positioning
Upbound Group Inc. aims to be a leading provider of lease-to-own solutions, focusing on underserved consumer segments.
Total Addressable Market (TAM)
The TAM for lease-to-own and fintech services is estimated to be in the billions of dollars. Upbound Group Inc. holds a moderate position with significant room to expand.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Extensive network of retail partners
- Experienced management team
- Diversified revenue streams
Weaknesses
- High interest rates on lease agreements
- Regulatory scrutiny
- Dependence on economic conditions
- Potential for customer defaults
Opportunities
- Expanding into new markets and demographics
- Developing innovative financial products
- Leveraging technology to improve customer experience
- Strategic partnerships and acquisitions
Threats
- Increased competition from other fintech companies
- Changes in consumer spending habits
- Economic downturns
- New regulations impacting the lease-to-own industry
Competitors and Market Share
Key Competitors
- AFRM
- KLNA
- CONN
Competitive Landscape
Upbound Group Inc. faces competition from established fintech companies and retailers offering similar lease-to-own services. Its strength lies in its brand recognition and existing customer base.
Major Acquisitions
Acima
- Year: 2021
- Acquisition Price (USD millions): 1275
- Strategic Rationale: Diversify the business and expand into the virtual lease-to-own market.
Growth Trajectory and Initiatives
Historical Growth: Growth data is based on financials and needs to be populated from live sources.
Future Projections: Future projection from analyst estimates based on financials and needs to be populated from live sources.
Recent Initiatives: Focus on digital transformation and expanding Acima's reach.
Summary
Upbound Group Inc. is a major player in the lease-to-own industry, with strong brand recognition and a diversified business model. However, the company faces challenges related to high interest rates, regulatory scrutiny, and competition from other fintech companies. Its recent acquisition of Acima positions it well for growth in the virtual lease-to-own market. UPBD needs to watch competitors with unique payment methods that might outperform the lease-to-own model.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Actual results may vary.
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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