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Financials · UPBD

Upbound Group Inc. (UPBD) financials

For the twelve months ended Sep 30, 2026, Upbound Group Inc. reported $4.73B of revenue and $111.39M of net income.

Revenue, TTM
$4.73B
Revenue growth, YoY
+3.2%
Net income, TTM
$111.39M
Net income growth, YoY
+31.8%
Net margin
2.4%
Free cash flow, TTM
$433.56M
EPS, diluted, TTM
$1.91
EPS growth, YoY
+31.7%
Cash
$125.10M
P/E
12.92
P/S
0.30
Market cap
$1.44B
Annual revenue$4.70B
FY2016FY2025
Annual net income$73.24M
FY2016FY2025
Annual free cash flow$238.71M
FY2016FY2025

UPBD revenue and earnings growth

UPBD revenueQ3 2026$1.15B

Quarter YoY
-1.6%
QoQ
-1.5%
FY YoY
+8.7%
5Y CAGR
+10.8%
10Y CAGR
+3.7%

UPBD revenue was $1.15B in fiscal Q3 2026 (ended Sep 30, 2026), down 1.6% from a year earlier and down 1.5% from the prior quarter. For the full fiscal 2025 it was $4.70B, up 8.7% from fiscal 2024. Compound annual growth was +10.8% over 5 years and +3.7% over 10 years. It rose in 5 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UPBD net incomeQ3 2026$34.27M

Quarter YoY
+159.2%
QoQ
+58.8%
FY YoY
-40.7%
5Y CAGR
-18.8%

UPBD net income was $34.27M in fiscal Q3 2026 (ended Sep 30, 2026), up 159.2% from a year earlier and up 58.8% from the prior quarter. For the full fiscal 2025 it was $73.24M, down 40.7% from fiscal 2024. Compound annual growth was -18.8% over 5 years.

UPBD EPSQ3 2026$0.58

Quarter YoY
+163.6%
QoQ
+56.8%
FY YoY
-43.4%
5Y CAGR
-19.6%

UPBD diluted EPS was $0.58 in fiscal Q3 2026 (ended Sep 30, 2026), up 163.6% from a year earlier and up 56.8% from the prior quarter. For the full fiscal 2025 it was $1.25, down 43.4% from fiscal 2024. Compound annual growth was -19.6% over 5 years.

UPBD free cash flowQ3 2026$147.01M

Quarter YoY
+111.8%
QoQ
+36.4%
FY YoY
+392.7%
5Y CAGR
+3.4%
10Y CAGR
+4.7%

UPBD free cash flow was $147.01M in fiscal Q3 2026 (ended Sep 30, 2026), up 111.8% from a year earlier and up 36.4% from the prior quarter. For the full fiscal 2025 it was $238.71M, up 392.7% from fiscal 2024. Compound annual growth was +3.4% over 5 years and +4.7% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$4.70B$4.32B$3.99B$4.25B$4.58B$2.81B$2.67B$2.66B$2.70B$2.96B
Cost of revenue$2.42B$2.24B$1.97B$2.17B$2.35B$1.14B$1.03B$972.30M$984.00M$1.03B
Gross profit$2.27B$2.08B$2.02B$2.08B$2.24B$1.67B$1.64B$1.69B$1.72B$1.94B
Selling, general and admin$231.96M$212.45M$201.71M$186.47M$194.89M$153.11M$142.63M$163.44M$171.09M$168.91M
Operating income$223.35M$291.63M$162.87M$148.54M$280.54M$237.34M$253.86M$56.14M-$63.06M-$66.60M
Interest expense$112.98M$110.58M$113.42M$87.71M$70.87M$15.32M$31.03M$42.97M$46.00M$47.18M
Pre-tax income$108.09M$177.54M$52.87M$61.47M$194.30M$222.78M$223.78M$13.84M-$110.20M-$113.27M
Income tax$34.85M$54.06M$58.05M$49.11M$59.36M$14.66M$50.24M$5.35M-$116.85M-$8.08M
Net income$73.24M$123.48M-$5.18M$12.36M$134.94M$208.12M$173.55M$8.49M$6.65M-$105.19M
EPS, basic$1.30$2.26-$0.09$0.23$2.37$3.84$3.19$0.16$0.12-$1.98
EPS, diluted$1.25$2.21-$0.09$0.21$2.02$3.73$3.10$0.16$0.12-$1.98
Diluted shares58.6M55.9M55.0M59.0M66.8M55.8M56.0M54.5M53.8M53.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$120.53M$60.86M$93.70M$144.14M$108.33M$159.45M$70.49M$155.39M$72.97M$95.40M
Goodwill$488.16M$290.19M$289.75M$289.75M$289.75M$70.22M$70.22M$56.84M$56.61M$55.31M
Total assets$3.28B$2.65B$2.72B$2.76B$2.99B$1.75B$1.58B$1.40B$1.42B$1.60B
Total debt---------$191.81M
Total liabilities$2.58B$2.02B$2.16B$2.24B$2.48B$1.16B$1.12B$1.11B$1.15B$1.34B
Shareholders' equity$695.74M$628.98M$560.37M$525.15M$513.28M$592.08M$458.96M$286.52M$272.44M$264.93M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$305.57M$104.72M$200.29M$468.46M$392.30M$236.50M$215.42M$227.50M$110.53M$354.07M
Capital expenditures$66.86M$56.27M$53.40M$61.39M$62.45M$34.55M$21.16M$27.96M$65.46M$61.14M
Free cash flow$238.71M$48.45M$146.89M$407.07M$329.85M$201.96M$194.26M$199.54M$45.07M$292.93M
Investing cash flow-$403.73M-$41.51M-$50.96M-$62.33M-$1.34B-$20.61M$20.76M-$4.69M-$63.35M-$58.98M
Financing cash flow$156.47M-$93.52M-$202.12M-$370.71M$892.85M-$126.68M-$321.63M-$140.31M-$70.54M-$259.71M
Dividends paid$87.86M$82.30M$83.06M$79.19M$71.50M$63.12M$13.71M$0$12.81M$25.55M
Share repurchases$0$0$50.00M$75.05M$390.11M$26.57M$1.29M$0$0-
Stock-based compensation$45.37M$36.07M$162.12M$159.36M$147.55M$12.28M$6.96M$5.96M$3.90M$9.21M
Depreciation and amortization$51.96M$50.89M$51.32M$53.08M------

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY8.7%8.2%-6.0%-7.4%62.9%5.4%0.4%-1.6%-8.8%-9.6%
Net income growth, YoY-40.7%---90.8%-35.2%19.9%1943.6%27.6%--
EPS growth, YoY-43.4%---89.6%-45.8%20.3%1837.5%33.3%--
Gross margin48.4%48.1%50.7%49.0%48.8%59.4%61.6%63.5%63.6%65.3%
Operating margin4.8%6.7%4.1%3.5%6.1%8.4%9.5%2.1%-2.3%-2.2%
Net margin1.6%2.9%-0.1%0.3%2.9%7.4%6.5%0.3%0.2%-3.5%
Free cash flow margin5.1%1.1%3.7%9.6%7.2%7.2%7.3%7.5%1.7%9.9%
Return on equity10.5%19.6%-0.9%2.4%26.3%35.1%37.8%3.0%2.4%-39.7%
Return on assets2.2%4.7%-0.2%0.4%4.5%11.9%11.0%0.6%0.5%-6.6%
Debt to equity---------0.72

Source: XBRL data Upbound Group Inc. files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UPBD peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UPBD$4.73B+3.2%$111.39M2.4%$1.44B
ABNB$13.93B+16.7%$3.21B23.0%$111.80B
URI$17.50B+9.4%$2.86B16.3%$69.85B
PYPL$34.30B+4.4%$4.73B13.8%$49.88B
PAYX$6.60B+14.0%$1.81B27.4%$40.85B
SUNB$11.47B-$1.39B12.1%$33.45B
AER$8.52B+6.5%$3.75B44.0%$27.09B
ROL$3.99B+8.3%$526.12M13.2%$18.52B
APG$8.91B+16.4%$367.00M4.1%$18.07B

UPBD FAQ

9 questions
  • What is UPBD revenue?
    Upbound Group Inc. (UPBD) reported $4.73B of revenue for the twelve months ended Sep 30, 2026. That is up 3.2% from the year before. Revenue for fiscal 2025 was $4.70B.
  • Is UPBD profitable?
    Yes. Upbound Group Inc. earned $111.39M in net income for the twelve months ended Sep 30, 2026, a net margin of 2.4%.
  • How much cash and debt does UPBD have?
    Upbound Group Inc. reported $125.10M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is UPBD revenue growing?
    Upbound Group Inc.'s revenue changed +8.7% in fiscal 2025, to $4.70B. Its compound annual growth rate was +10.8% over 5 years and +3.7% over 10 years.
  • What is UPBD gross margin?
    Upbound Group Inc.'s gross profit was $2.35B on $4.73B of revenue for the twelve months ended Sep 30, 2026, a gross margin of 49.7%.
  • What is UPBD free cash flow?
    Upbound Group Inc. generated $433.56M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $498.69M less capital expenditures.
  • What is UPBD earnings per share?
    Diluted earnings per share were $1.91 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UPBD last report financial results?
    The latest statements here come from Upbound Group Inc.'s 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this UPBD financial data come from?
    Quantisnow builds these statements from the structured XBRL data Upbound Group Inc. files with the SEC. It is provided for information only and is not investment advice.