Upbound Group Balance Sheet Health
Financial Health criteria checks 2/6
Upbound Group has a total shareholder equity of $687.3M and total debt of $1.5B, which brings its debt-to-equity ratio to 224.9%. Its total assets and total liabilities are $3.2B and $2.5B respectively. Upbound Group's EBIT is $325.2M making its interest coverage ratio 3. It has cash and short-term investments of $107.0M.
Key information
224.94%
Debt to equity ratio
US$1.55b
Debt
| Interest coverage ratio | 3x |
| Cash | US$107.02m |
| Equity | US$687.30m |
| Total liabilities | US$2.52b |
| Total assets | US$3.21b |
Recent financial health updates
Recent updates
Upbound Group: Cheap For A Reason
Dec 15Upbound: Proven Business Model, FCF, Divestiture, And Significantly Undervalued
Nov 08Upbound: Decision Engine Equipped With Large Data Sets Implies Undervaluation
Sep 28
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.Upbound Group: Strong Growth In Acima Provides Upside Potential
Jun 28These 4 Measures Indicate That Upbound Group (NASDAQ:UPBD) Is Using Debt Extensively
Aug 07
Is Now An Opportune Moment To Examine Upbound Group, Inc. (NASDAQ:UPBD)?
Jul 19Calculating The Fair Value Of Upbound Group, Inc. (NASDAQ:UPBD)
May 12Financial Position Analysis
Short Term Liabilities: UPBD's short term assets ($1.7B) exceed its short term liabilities ($560.5M).
Long Term Liabilities: UPBD's short term assets ($1.7B) do not cover its long term liabilities ($2.0B).
Debt to Equity History and Analysis
Debt Level: UPBD's net debt to equity ratio (209.4%) is considered high.
Reducing Debt: UPBD's debt to equity ratio has increased from 35.1% to 224.9% over the past 5 years.
Debt Coverage: UPBD's debt is not well covered by operating cash flow (13.1%).
Interest Coverage: UPBD's interest payments on its debt are well covered by EBIT (3x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/12/28 08:51 |
| End of Day Share Price | 2025/12/26 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Upbound Group, Inc. is covered by 17 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Haas | BofA Global Research |
| Vincent Caintic | BTIG |
| Laura Champine | Canaccord Genuity |