UPBOUND GROUP, INC. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
UPBD on Nasdaq
Location
Plano, TX
Fiscal year end
31 December
Latest financial report
23 Feb 2026

Quick Takeaways

  • UPBD - UPBOUND GROUP, INC. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 11%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-47%</span>.
  • Most recent SEC facts end date: 13 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-13) highlights Return On Equity 11.1%, Return On Assets 2.5%, and Operating Margin 4.8%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

15.9/100

Weak Confidence medium

Return On Equity

11%

Metric score 18.0/100

Return On Assets

2.5%

Metric score 5.9/100

Financial Health

Debt to Equity
3.6x

Strengths

No strong signals yet.

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Return On Assets

2.5%

YoY: -46%

Industry median: 2.3% (n=19)

View history

Revenues YoY

8.7%

YoY:

Industry median: 2.5% (n=17)

View history

NetIncomeLoss YoY

-41%

YoY:

Industry median: -3.1% (n=17)

View history

Profitability

Metric Latest value YoY change
Return On Equity 11% -47%
Return On Assets 2.5% -46%
Operating Margin 4.8% -30%

Financial Health

Metric Latest value YoY change
Debt-to-equity 3.6x +7.7%

Growth

Metric Latest value YoY change
Revenues YoY 8.7%
NetIncomeLoss YoY -41%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 58,117,605
Common Stock, Value, Issued $1,127,000 +1.7%
Weighted Average Number of Shares Outstanding, Basic 56,479,000 +3.3%
Weighted Average Number of Shares Outstanding, Diluted 58,612,000 +4.8%

Additional Metrics

Metric Latest value YoY change
Cost of Revenue $2,423,352,000 +8.2%
General and Administrative Expense $231,963,000 +9.2%
Operating Income (Loss) $223,347,000 -23%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $108,091,000 -39%
Income Tax Expense (Benefit) $34,849,000 -36%
Earnings Per Share, Basic 1.3 -42%
Earnings Per Share, Diluted 1.25 -43%
Cash and Cash Equivalents, at Carrying Value $120,528,000 +98%
Property, Plant and Equipment, Net $310,126,000 +22%
Operating Lease, Right-of-Use Asset $272,692,000 +2.7%
Goodwill $488,158,000 +68%
Assets $3,276,081,000 +24%
Liabilities $2,580,341,000 +28%
Retained Earnings (Accumulated Deficit) $1,018,658,000 -1.7%
Stockholders' Equity Attributable to Parent $695,740,000 +11%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $695,740,000 +11%
Liabilities and Equity $3,276,081,000 +24%
Common Stock, Shares Authorized 250,000,000 0%
Common Stock, Shares, Issued 128,996,814 +2.5%
Common Stock, Par or Stated Value Per Share 0.01 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $120,528,000 +98%
Deferred Tax Assets, Valuation Allowance $6,148,000 -29%
Deferred Tax Assets, Gross $314,917,000 +5.7%
Operating Lease, Liability $286,798,000 +5.1%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $77,480,000 -34%
Lessee, Operating Lease, Liability, to be Paid $338,512,000 +5.7%
Property, Plant and Equipment, Gross $866,938,000 +8%
Lessee, Operating Lease, Liability, to be Paid, Year Two $81,759,000 +1.2%
Lessee, Operating Lease, Liability, to be Paid, Year One $100,065,000 -1.3%
Operating Lease, Weighted Average Discount Rate, Percent 0.081 +1.2%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $51,714,000 +9.6%
Lessee, Operating Lease, Liability, to be Paid, Year Three $59,809,000 +1.3%
Unrecognized Tax Benefits $1,028,000 +179%
Lessee, Operating Lease, Liability, to be Paid, Year Four $45,136,000 +24%
Deferred Tax Assets, Net of Valuation Allowance $308,769,000 +6.7%
Interest Expense $112,980,000 +2.2%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY