UPBDUpbound Group, Inc.
Is the business good?
The checks split: earnings fully cash-backed (2.5×) and margins widening, but returns that lean on debt.
Operating profit is fully backed by cash. Conversion is improving vs a year ago.
Operating profit is falling even as sales grow, costs are outrunning the top line.
Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 12% = margin × turnover × leverage.
Unless marked, from derived.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.
How good a business is UPBD?
Upbound Group, Inc. keeps 5.1% of every revenue dollar as operating profit, against 6.9% for the median Software - Application name.
Operating margin · Software - Application median 6.9% · 12 months to Q2 2026
- Cash conversion
- 2.54×
Cash conversion · 1.28× a year ago · operating cash flow covers the operating profit after tax
- Share count, year on year
- +0.08%
Share count, year on year · flat: no meaningful dilution
- Gross margin
- 49%
Gross margin
| Year | Operating margin |
|---|---|
| FY2020 | 8.4% |
| FY2021 | 6.1% |
| FY2022 | 3.5% |
| FY2023 | 4.1% |
| FY2024 | 6.8% |
| FY2025 | 4.8% |
Details›
- Gross margin12 months to Q2 2026
- 49%
- Operating margin12 months to Q2 2026
- 5.1%
- Net margin12 months to Q2 2026
- 1.9%
- Free cash flow margin
- 7.5%
- Revenue, trailing twelve months
- $4.74B
- Free cash flow, trailing twelve months
- $356M
- Net income, trailing twelve months
- $90M
Margins, capital and share counts from the statements as filed with the SEC; cash conversion is operating cash flow over operating profit after tax.
Software, Application
Ranks #24 of 92 by RyuScore