Upbound Group Gestion
Gestion contrôle des critères 2/4
Le PDG Upbound Group est Fahmi Karam, nommé en Jun2025, a un mandat de moins d'un an. La rémunération annuelle totale est $ 7.36M, composée du salaire de 14.7% et des bonus 85.3%, y compris les actions et options de la société. détient directement 0.23% des actions de la société, d'une valeur de $ 2.52M. La durée moyenne de mandat de l'équipe de direction et du conseil d'administration est respectivement 5.1 ans et 6.3 ans.
Informations clés
Fahmi Karam
Directeur général
US$7.4m
Rémunération totale
| Pourcentage du salaire du PDG | 14.68% |
| Durée du mandat du directeur général | less than a year |
| Propriété du PDG | 0.2% |
| Durée moyenne d'occupation des postes de direction | 5.1yrs |
| Durée moyenne du mandat des membres du conseil d'administration | 6.3yrs |
Mises à jour récentes de la gestion
Recent updates
Mise à jour de l'analyse • Apr 26
UPBD: Amazon Partnership And 2026 Plan Will Support Future Upside
Analysts have modestly reduced their price target for Upbound Group by $2, reflecting a slightly more cautious stance that aligns with recent Street research commentary, including TD Cowen's updated view. Analyst Commentary Recent Street research around Upbound Group has been relatively restrained, with a modest price target trim reflecting more cautious assumptions rather than a wholesale shift in the core thesis.Mise à jour de l'analyse • Apr 10
UPBD: 2026 Revenue Plan And Lower P E Multiple Will Support Upside
Analysts trimmed their 12 month price target for Upbound Group by about $0.60 to $28.50, citing a slightly lower assumed future P/E multiple while keeping revenue growth, profit margin and discount rate assumptions effectively unchanged. Analyst Commentary Recent Street research around companies in adjacent consumer finance and earned wage access areas offers helpful context for how analysts are thinking about Upbound Group's valuation and execution risk, even when the reports focus on other names.Mise à jour de l'analyse • Mar 27
UPBD: Specialty Finance Reset And 2026 Guidance Will Drive Future Upside Potential
Analysts trimmed their price target on Upbound Group by $1 to $30, citing updated views on the broader specialty finance sector, including areas such as credit cards, auto lending, student lending, non prime lending, buy now pay later, and lease to own. Analyst Commentary Bullish and cautious views on Upbound Group are both showing up in recent research, and the latest US$30 price target reflects that mix.Seeking Alpha • Mar 18
Upbound Group Deserves An Upbound Share Price
Summary Upbound Group remains a compelling value play, trading at low single-digit multiples despite recent share price underperformance. UPBD’s acquisition of Brigit diversifies revenue streams and is expected to drive incremental growth, with full-year 2026 contributions anticipated. Acima shows robust growth in GMV and EBITDA, while Rent-A-Center segment stabilizes but faces profitability headwinds from cost pressures. I maintain a "Buy" rating on UPBD given cheap valuation and improving fundamentals, with potential for a future upgrade if fundamentals strengthen or shares decline further. Read the full article on Seeking AlphaMise à jour de l'analyse • Mar 11
UPBD: Specialty Finance Reset And 2026 Guidance Will Support Upside Potential
Analysts have trimmed their price target on Upbound Group to $30 from $31, tying the $1 change to a broad reassessment of the specialty finance sector as macro factors influence areas such as credit cards, auto lending, student lending, non prime lending, buy now pay later, and lease to own. Analyst Commentary Recent research on Upbound Group centers on how broader specialty finance conditions are feeding into valuation work, rather than on company specific revisions.Mise à jour de l'analyse • Feb 25
UPBD: Specialty Finance Reset And 2026 Revenue Outlook Will Support Upside Potential
Analysts have reset their price target on Upbound Group to $30, a $1 trim from the prior $31, tying the move to broader reassessments across specialty finance. The new target still reflects updated assumptions on fair value, discount rates, revenue growth, profit margins, and future P/E levels.Mise à jour de l'analyse • Feb 10
UPBD: Specialty Finance Reset And 2026 Outlook Will Drive Upside Potential
Narrative Update on Upbound Group Analysts have trimmed their price target on Upbound Group, with the model fair value moving from about $30.75 to roughly $28.57. This reflects updated sector views in specialty finance as they recalibrate assumptions around discount rates, future P/E and macro driven demand across areas such as non prime lending and lease to own offerings.Mise à jour de l'analyse • Jan 26
UPBD: Sector Reset And 2026 Outlook Will Support Future Cash Flows
Narrative Update: Analyst Price Target Shift Analysts have trimmed their price target on Upbound Group by $1 to $30, citing refreshed sector views for specialty finance and updated assumptions around revenue growth, profit margins, and future P/E multiples. Analyst Commentary Recent research updates around Upbound Group focus less on company specific issues and more on a broader reset across specialty finance, with analysts adjusting their models to reflect macro conditions and expectations across various consumer credit and lease to own segments.Mise à jour de l'analyse • Jan 11
UPBD: Sector Repricing Will Support Future Cash Flow Upside Potential
Analysts trimmed their price target on Upbound Group to about $30 from roughly $31, reflecting updated sector-level views in specialty finance related to macroeconomic conditions and trends across credit card, auto, student, non-prime, buy now pay later, and lease-to-own markets. Analyst Commentary Recent research points to a more cautious stance on valuation, with the price target reset to US$30 from US$31.Mise à jour de l'analyse • Dec 13
UPBD: Accelerated Depreciation Windfall Will Drive Near-Term Cash Flow Upside
Narrative Update on Upbound Group The analyst price target for Upbound Group has been raised significantly from $21 to $36 per share as analysts point to stronger near term earnings prospects driven by continued growth at Acima and Brigit, along with an expected cash windfall from accelerated depreciation benefits. Analyst Commentary Bullish analysts view the recent price target increase as a validation of Upbound Group's improving earnings trajectory and the durability of its growth drivers.Mise à jour de l'analyse • Nov 29
UPBD: Legislative Gains And Operational Execution Will Drive Short-Term Upside
Analysts have raised their price target for Upbound Group from $21 to $36, citing improved near-term earnings visibility as well as anticipated financial benefits from operational growth and legislative changes. Analyst Commentary Bullish Takeaways Bullish analysts highlight enhanced earnings visibility driven by robust growth in Upbound’s Acima and Brigit platforms.Mise à jour de l'analyse • Nov 15
UPBD: Near-Term Earnings Momentum Will Drive Upside Amid Improved Execution
Analysts have slightly lowered their price target for Upbound Group to $31.38 from $32.38. This adjustment is attributed to improved near-term earnings prospects and ongoing growth in key segments, but is offset by a higher discount rate and modestly reduced profit margin expectations.Mise à jour de l'analyse • Nov 01
UPBD: Near-Term Earnings Momentum And Cash Windfall Will Drive Future Upside
Upbound Group’s fair value price target has been revised downward by analysts from $36.38 to $32.38 per share. This change reflects updated expectations for slower revenue growth and profit margins, despite near-term optimism about earnings and anticipated cash benefits from recent legislation.Mise à jour de l'analyse • Sep 16
Expanding Financial Access And Innovating In E-Commerce Fuels Growth And Efficiency
Upbound Group’s consensus price target has been raised to $36.38, reflecting increased analyst confidence in near-term earnings potential and ongoing strong performance at Acima, with further support from expected cash flow benefits due to accelerated depreciation provisions. Analyst Commentary Bullish analysts see increased confidence in near-term earnings potential, especially following management meetings that highlighted company growth drivers.Mise à jour de l'analyse • Aug 27
Expanding Financial Access And Innovating In E-Commerce Fuels Growth And Efficiency
Despite Upbound Group’s solid operational performance and ongoing improvements in its Acima division, analysts have tempered their outlook due to persistent U.S. macroeconomic uncertainty, resulting in a lowered consensus price target from $36.25 to $34.50. Analyst Commentary Q2 results exceeded expectations, demonstrating strong quarterly performance.Seeking Alpha • Nov 08
Upbound: Proven Business Model, FCF, Divestiture, And Significantly Undervalued
Summary Upbound Group, Inc. has a proven business model with consistent positive net income and free cash flow, making it a profitable investment. The recent sale of Rent-A-Center stores and reduced net leverage ratio could enhance valuation and attract new investors. The company is well-positioned for acquisitions, marketing investments, and dividend growth, supported by strong cash flow and financial health. Despite potential risks, UPBD appears significantly undervalued, trading below peers' multiples and offering substantial upside potential. Read the full article on Seeking AlphaSeeking Alpha • Sep 28
Upbound: Decision Engine Equipped With Large Data Sets Implies Undervaluation
Summary Upbound Group, Inc. appears undervalued due to its expanding retail network, proprietary automated decision engine, and significant market opportunity among U.S. consumers lacking traditional credit access. The company's flexible lease-purchase agreements, better-than-expected EPS, and revenue growth, along with a low forward earnings multiple, indicate strong future FCF growth potential. Key business drivers include increased retail partner locations, robust automated customer selection processes, rising e-commerce revenue, and effective marketing strategies. Despite risks related to data acquisition, regulatory changes, and competition, a conservative DCF model suggests a fair valuation close to $95 per share. Read the full article on Seeking Alpha
Nouvelle analyse • Sep 12
Expanding Financial Access And Innovating In E-Commerce Fuels Growth And Efficiency
Expansion through new Acima Credit products and merchant partnerships is set to widen customer base and increase revenue.Seeking Alpha • Jun 28
Upbound Group: Strong Growth In Acima Provides Upside Potential
Summary Shares are down more than 10% this year despite solid business performance in a tough macro environment. Acima is demonstrating strong performance, with growth rates approaching 20%. Shares are trading at an attractive valuation and at a discount to peers, despite delivering superior performance. Read the full article on Seeking AlphaAnalyse de la rémunération des PDG
| Date | Rémunération totale | Salaire | Bénéfices de l'entreprise |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$84m |
| Dec 31 2025 | US$7m | US$1m | US$73m |
| Sep 30 2025 | n/a | n/a | US$84m |
| Jun 30 2025 | n/a | n/a | US$102m |
| Mar 31 2025 | n/a | n/a | US$121m |
| Dec 31 2024 | US$3m | US$1m | US$123m |
| Sep 30 2024 | n/a | n/a | US$81m |
| Jun 30 2024 | n/a | n/a | US$55m |
| Mar 31 2024 | n/a | n/a | -US$25m |
| Dec 31 2023 | US$6m | US$1m | -US$5m |
| Sep 30 2023 | n/a | n/a | US$9m |
| Jun 30 2023 | n/a | n/a | -US$1m |
| Mar 31 2023 | n/a | n/a | US$64m |
| Dec 31 2022 | US$3m | US$154k | US$12m |
Rémunération vs marché: La rémunération totale de Fahmi ($USD 7.36M ) est supérieure à la moyenne des entreprises de taille similaire sur le marché US ($USD 3.72M ).
Rémunération et revenus: La rémunération de Fahmi a augmenté de plus de 20 % tandis que les bénéfices de l'entreprise ont chuté de plus de 20 % au cours de l'année écoulée.
PDG
Fahmi Karam (47 yo)
less than a year
Titularisation
US$7,363,260
Compensation
Mr. Fahmi Karam, C.P.A., served as Executive Vice President and Chief Financial Officer for Upbound Group, Inc. (formerly known as Rent-A-Center, Inc.) since October 31, 2022 until November 10, 2025 and se...
Équipe de direction
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO & Director | less than a year | US$7.36m | 0.23% $ 2.5m | |
| Executive VP & CFO | less than a year | US$2.00m | pas de données | |
| Executive VP | 5.9yrs | US$1.26m | 0.031% $ 341.1k | |
| Executive Vice President of Rent-A-Center Business | 5.9yrs | US$1.57m | 0.056% $ 614.5k | |
| Executive Vice President of Acima | no data | US$1.58m | 0.11% $ 1.3m | |
| Executive VP & CTO | less than a year | pas de données | pas de données | |
| Executive VP & Chief HR Officer | 4.8yrs | US$1.23m | 0.031% $ 340.7k | |
| Senior Vice President of Rent-A-Center East | 5.3yrs | pas de données | pas de données | |
| Senior VP of Strategic Operations & Chief of Staff | 5.3yrs | pas de données | pas de données | |
| Senior Vice President of Rent-A-Center West | no data | pas de données | pas de données | |
| VP & Chief Risk Officer | no data | pas de données | pas de données | |
| Senior Vice President of Brigit | no data | pas de données | pas de données |
5.1yrs
Durée moyenne de l'emploi
52.5yo
Âge moyen
Gestion expérimentée: L'équipe dirigeante de UPBD est chevronnée et expérimentée (5.1 années d'ancienneté moyenne).
Membres du conseil d'administration
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO & Director | less than a year | US$7.36m | 0.23% $ 2.5m | |
| Independent Chairman | 8.9yrs | US$761.16k | 0.20% $ 2.2m | |
| Independent Director | 6.9yrs | US$326.64k | 0% $ 0 | |
| Independent Director | 6.9yrs | US$296.56k | 0% $ 0 | |
| Independent Director | 6.3yrs | US$377.80k | 0% $ 0 | |
| Independent Director | 1.7yrs | US$286.89k | 0% $ 0 | |
| Independent Director | 2.1yrs | US$312.62k | 0% $ 0 |
6.3yrs
Durée moyenne de l'emploi
64yo
Âge moyen
Conseil d'administration expérimenté: Les membres du conseil d'administration de UPBD sont considérés comme expérimentés (ancienneté moyenne 6.3 ans).
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/05/11 20:59 |
| Cours de l'action en fin de journée | 2026/05/08 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Upbound Group, Inc. est couverte par 16 analystes. 7 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Jason Haas | BofA Global Research |
| Vincent Caintic | BTIG |
| Laura Champine | Canaccord Genuity |