Forensic Analysis · Professional & Commercial Services · as of Aug 11, 2026

Upbound Group, Inc. (UPBD)

A forensic read on Upbound Group, Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

D · Weak — demands caution

Forensic grade

Clean

Earnings quality

Forensic signals

12.8

P / E (ttm)

10.5%

ROE

$1.1B

Market cap

8.00%

Dividend yield

8.7%

Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Upbound Group, Inc. earns a D (Weak — demands caution) forensic quality grade. 3 forensic signals were flagged in its latest SEC filings, led by accruals ratio (% of noa).

What the filings flag

+16.9%

FY2024→FY2025

Accruals ratio (% of NOA). Net operating assets grew +16.9% relative to their own average in FY2025 — scaled by NOA itself, not total assets (see the Forensic Screens card's differently-scaled Sloan Accrual Ratio for that read). Accruals are building faster than is comfortable — part of profit is sitting in the balance sheet rather than turning to cash. The build is led by receivables up +30% against revenue +9%. The cash-flow cross-check is more mixed: reported earnings ran behind operating cash by 15% of net operating assets, diverging from the balance-sheet accrual read.

8.8%

FY2025

Return on invested capital. Return on invested capital is 8.8% in the latest fiscal year and rising from 7% — around its ~10% cost of capital, so growth is roughly value-neutral.

-0.2%/yr

FY2022–FY2025

Share count. Diluted share count changed -1% over the last 3 years to FY2025 (-0.2%/yr). Roughly flat — the count is neither shrinking nor growing meaningfully. Per-share value isn't being meaningfully helped or hurt by the count.

Key fundamentals

Latest Revenue$4.70B

Revenue Growth YoY+8.7%

Revenue CAGR (3yr)+3.4%

Net Margin1.6%

Free Cash Flow$238.7M

Return on Equity10.5%

Debt / Equity1.63x

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Data from SEC EDGAR public filings · metrics as of Aug 11, 2026. Forensic signals flag probability, not certainty.