Upbound Group 대차대조표 건전성
재무 건전성 기준 점검 3/6
Upbound Group 의 총 주주 지분은 $715.7M 이고 총 부채는 $1.4B, 이는 부채 대 자기자본 비율을 201.1% 로 가져옵니다. 총자산과 총부채는 각각 $3.1B 및 $2.4B 입니다. Upbound Group 의 EBIT는 $363.3M 이며 이자보상배율은 3.3 입니다. $98.4M 의 현금 및 단기 투자금을 보유하고 있습니다.
핵심 정보
201.14%
부채/자본 비율
US$1.44b
부채
| 이자보상배율 | 3.3x |
| 현금 | US$98.41m |
| 자본 | US$715.73m |
| 총부채 | US$2.41b |
| 총자산 | US$3.13b |
최근 재무 건전성 업데이트
업데이트 없음
Recent updates
내러티브 업데이트 • Jul 13
UPBD: Amazon Returns Partnership Will Support Future Upside Potential
Analysts have trimmed their price expectations for Upbound Group, with the implied fair value moving from about $46.00 to roughly $40.17 as updated assumptions for discount rate, revenue growth, profit margin, and future P/E are reflected in their models. Analyst Commentary Recent commentary on Upbound Group suggests that investors are paying close attention to how updated assumptions on growth, profitability, and valuation multiples feed into fair value estimates.
내러티브 업데이트 • Jun 29
UPBD: Cautious Outlook Will Test Execution And Amazon Partnership Momentum
Analysts have reduced their fair value estimate for Upbound Group to $20.00 from $24.00. This change reflects updated expectations for revenue growth, profit margins, and future P/E assumptions.
내러티브 업데이트 • Jun 15
UPBD: Amazon Partnership And 2026 Revenue Outlook Will Support Earnings Re Rating
Analysts trimmed their price target on Upbound Group by $2, citing updated assumptions around discount rates and valuation multiples, while keeping fair value estimates broadly unchanged. Analyst Commentary Recent research commentary on Upbound Group centers on small valuation tweaks rather than a fundamental reset of expectations, with the latest $2 price target reduction framed as a refinement of underlying assumptions.내러티브 업데이트 • Jun 01
UPBD: Amazon Partnership And 2026 Outlook Will Support Earnings Re Rating
Analysts have trimmed their price target on Upbound Group by $2, reflecting updated assumptions around slightly lower revenue growth, a modestly softer profit margin, and a higher future P/E multiple in their refreshed models. Analyst Commentary Recent commentary around Upbound Group centers on how the updated assumptions for revenue growth, profit margins, and future P/E may affect the stock's risk and reward profile rather than signaling a major shift in the core story.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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 Alpha내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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
새로운 내러티브 • 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 Alpha재무 상태 분석
단기부채: UPBD 의 단기 자산 ( $1.7B )이 단기 부채( $562.8M ).
장기 부채: UPBD의 단기 자산($1.7B)이 장기 부채($1.8B)를 충당하지 못합니다.
부채/자본 비율 추이 및 분석
부채 수준: UPBD 의 순부채 대 자기자본 비율( 187.4% )은 높음으로 간주됩니다.
부채 감소: UPBD의 부채 대비 자본 비율은 지난 5년 동안 179.5%에서 201.1%로 증가했습니다.
부채 범위: UPBD 의 부채는 영업 현금 흐름 ( 22.8% )에 의해 잘 충당되었습니다.
이자 보장: UPBD 의 부채에 대한 이자 지급은 EBIT(3.3x 적용 범위)로 잘 충당됩니다.
대차대조표
건전한 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/07/23 02:05 |
| 종가 | 2026/07/23 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
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| 분석가 컨센서스 추정치 | +3년 |
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| 시장 가격 | 30년 |
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| 지분 구조 | 10년 |
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| 경영진 | 10년 |
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| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
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산업 및 섹터 지표
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분석가 소스
Upbound Group, Inc.는 16명의 분석가가 다루고 있습니다. 이 중 7명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Jason Haas | BofA Global Research |
| Vincent Caintic | BTIG |
| Laura Champine | Canaccord Genuity |