Upbound GROUP, Inc. (UPBD) intrinsic value & 10-year financials
Upbound GROUP, Inc. (UPBD) has a Graham intrinsic value of $41.52 per share. At $16.37 on Oct 17, 2026, the stock trades 61% below that value. Over the last 10 fiscal years revenue grew 5.2% a year to $4.7B, with an average return on invested capital of 14.1%.
- Graham intrinsic value
- $41.52
- Share price (Oct 17, 2026)
- $16.37
- Price vs Graham value
- 61% below
- Market cap
- $959.5M
- Revenue (FY2025)
- $4.7B
- Revenue growth (10-yr CAGR)
- 5.2%
- ROIC (10-yr avg)
- 14.1%
- Free cash flow (FY2025)
- $238.7M
UPBD 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $4.7B | $73.2M | $1.25 | $238.7M | 4.8% | 9.6% |
| FY2024 | $4.3B | $123.5M | $2.21 | $48.4M | 6.7% | 14.5% |
| FY2023 | $4.0B | -$5.2M | -$0.09 | $146.9M | 4.1% | 6.1% |
| FY2022 | $4.2B | $12.4M | $0.21 | $407.1M | 3.5% | 5.1% |
| FY2021 | $4.6B | $134.9M | $2.02 | $329.8M | 6.1% | 17.8% |
| FY2020 | $2.8B | $208.1M | $3.73 | $202.0M | 8.4% | 35.2% |
| FY2019 | $2.7B | $173.5M | $3.10 | $194.3M | 9.5% | 51.9% |
| FY2018 | $2.7B | $8.5M | $0.16 | $199.5M | 2.1% | 26.3% |
| FY2017 | $2.7B | $6.7M | $0.12 | $45.1M | -2.3% | -8.7% |
| FY2016 | $3.0B | -$105.2M | -$1.98 | $292.6M | -2.2% | -17.1% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
UPBOUND GROUP, INC. has demonstrated mature, steady growth, with revenue compounding at 5.2% annually over the past decade.
UPBOUND GROUP, INC. returns on capital have been average, hovering around 14.1% ROIC over the decade.
Over the decade, UPBOUND GROUP, INC. shows that the company has leveraged its balance sheet to sustain operations.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, UPBOUND GROUP, INC. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $41.52 per share.