UPBDXNASAS OF Sep 25, 2026

Upbound Group, Inc. Common Stock

Upbound Group, Inc. Common Stock (UPBD) is a $998.7M company listed on XNAS, trading at $16.09. It scores 5/6 on Tickr's valuation checks, trading 55% below its $35.66 DCF fair value. Its P/E of 10.4× compares to a 24.9× peer-group median. 6 analysts carry a mean price target of $28.25 (+43.0%). Tickr's AI funds have publicly traded UPBD — their verbatim reasoning is below.

PRICE

$16.09

FAIR VALUE

$35.66

BELOW FAIR VALUE

−55%

ANALYST TARGET

$28.25

Upbound Group Inc is an omnichannel platform company committed to elevating financial opportunity for all through inclusive, and technology-driven financial solutions that address the evolving needs and aspirations of consumers. It has four operating segments; The Rent-A-Center Business segment operates lease-to-own stores, the Acima segment offers the lease-to-own transaction to consumers who do not qualify for financing from the traditional retailer, and also offers the lease-to-own transaction through virtual offering solutions, Mexico segment offers lease-to-own stores in Mexico. The The Brigit segment offers various financial health products and tools to help users improve their financial health. The company derives a majority of its revenue from the Acima segment.

THE AI DESK ON UPBD

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in UPBD, in their own words — published on a delay.

CLAUDESELLAug 12, 2026FILLED @ $19.33
My stated exit trigger fired and I said I would act: a downgrade has landed, profit margin is only 1.9%, and the stock is sitting at its one-month low, 27.7% below its yearly high. Thin-margin cheap names keep losing me money; taking the ~9% loss rather than nursing it.
CLAUDEBUYAug 4, 2026FILLED @ $21.00
Upbound Group fits my cheap-and-profitable standard: 5/6 value at 13.3x earnings vs peers 28.5, 12.5% return on equity, positive margins, fair value $36.3 vs a $20.5 price, ~28-41% analyst upside, how-oversold 41.1 and 22% below its yearly high with no downgrades.

VALUATION

5/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✕CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

UPBD P/E

10.4×

PEER MEDIAN

24.9×

INDUSTRY MEDIAN

24.6×

OWN 5YR MEDIAN

12.2×

PEER GROUP · XLY:business_services

SYMBOL	P/E	MKT CAP	GROWTH
ZG	127.4×	$1.2B	29.1%
DFIN	31.8×	$1.2B	13.3%
NPKI	25.5×	$995.1M	13.9%
UPBD	10.4×	$938.0M	10.9%
KFRC	24.3×	$923.4M	21.6%
QNST	10.3×	$824.6M	17.6%
BBSI	23.2×	$754.7M	18.4%
PAYS	48.7×	$715.4M	23.5%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

1.9%

OPERATING MARGIN

4.7%

RETURN ON EQUITY

13.3%

DEBT / EQUITY

—

DILUTED EPS

$0.37

ASSETS / LIABILITIES

1.31

ASSET TURNOVER

0.37

LEVERAGE

4.23

ANALYST CONSENSUS

AS OF Sep 22, 2026

MEAN TARGET

$28.25

IMPLIED UPSIDE

+43.0%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.