Pulling SEC filings + quote and writing the call…

UPBOUND GROUP, INC.
Next earnings Jul 29, 2026 · consensus $1.07 EPS, $1.19B rev
Last earnings +4.3% on 2026-04-30
Cheap lease-to-own operator with reaccelerating revenue but compressed margins, heavy leverage and a freshly leveraged Brigit bet — own, don't chase.
Sources: SEC EDGAR (CIK 0000933036, latest 10-Q filed 2026-05-01) · EODHD · analysis by claude-code · as of 6/25/2026, 2:10:47 PM.
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Middling fundamentals and a rich price (~50% above fair value) leave little margin of safety — a wait-and-see.
Upbound is a classic value-trap-or-bargain coin flip and the filing tilts it toward 'fair hold.' The headline numbers look cheap: 16x trailing EPS, 0.2x sales, and a 1.16B market cap against $4.70B of revenue that just reaccelerated +8.7% YoY after two years of decline (FY23 revenue $3.99B, net income -$5.2M). Operating cash flow nearly tripled to $306M, gross margin held at 48.4%, and ROE is a respectable 10.5%. The ~7.8% dividend yield ($87.9M paid on a $1.16B cap) is real cash returned, and management just declared another $0.39 quarterly payout for Q1 2026 — a credible signal that the board sees the cash flow as durable.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $4.58B | $4.25B | $3.99B | $4.32B | $4.70B |
| Gross profit | $2.24B | $2.08B | $2.02B | $2.08B | $2.27B |
| Operating income | $281M | $149M | $163M | $292M | $223M |
| Net income | $135M | $12.4M | -$5.18M | $123M | $73.2M |
| Diluted EPS | $2.02 | $0.21 | -$0.09 | $2.21 | $1.25 |
| Net margin | 2.9% | 0.3% | -0.1% | 2.9% | 1.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Director/officer change plus annual meeting vote results disclosed
Executive officer transition announced; leadership change continues
Q1 2026 results; first full post-Brigit, post-CEO transition quarter filed
Q1 2026 earnings release issued with supporting Reg FD materials
Annual proxy: director slate, exec comp and say-on-pay items
FY25 rev +8.7% to $4.7B but EPS -43%; $460M Brigit deal, new CEO, +$77M debt
Q4/FY25 earnings released; net income fell 41% YoY despite revenue +8.7%
Item 5.04 trustee notice of trading blackout under benefit plans
Q3 2025 results reflecting Brigit consolidation and margin pressure
1072 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 2 open-market buys · 0 sales
| 2026-04-28 | BROWN JEFFREY J Director | Buy | 461.00 @ $19.41 | $8.95K |
| 2026-04-28 | BROWN JEFFREY J Director | Buy | 1.87K @ $19.41 | $36.3K |
| 2026-04-01 | Kumar Balaji EVP, Chief Technology Officer | Award | 14.7K @ $18.05 | $266K |