Stock fact sheet · data as of
Upbound Group, Inc. (UPBD): fair value, margin of safety and Wheel Score
Ticker symbol UPBD · Technology · Software - Application · United States · Blend Income
Is UPBD undervalued?
At 24.14 (close of 5 Nov 2026), UPBD trades 79% below the GLS average fair value of 116.00. That average comes from 9 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Upbound Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Lynch (18.12) and DCF (465.17). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for UPBD, so the nightly engine files it under Blend (value score 65, growth score 61, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for UPBD
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 465.17 | +1827% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 23.53 | -3% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 51.31 | +113% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 18.12 | -25% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 87.29 | +262% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 182.61 | +656% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 171.74 | +611% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 22.95 | -5% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 21.24 | -12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -13.41 | -156% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 28.00 | +16% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Upbound Group, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability UPBD scores 5.6/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are thin or negative - ROIC 2.9%, ROE 10.5%, ROA 2.2% - with debt at 2.67 times equity and a free-cash-flow yield of 34.2%. Debt of 2.67 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is high at 6.46% (payout ratio 82%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Acima 100% (quarter Q3 FY2026).
Institutional ownership scores 10/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 27 Oct 2026.
| Piotroski F-score | 6 / 9 | ROIC | 2.9% |
|---|---|---|---|
| GLS Moat | 5.6 / 10 | ROE | 10.5% |
| Debt / equity | 2.67 | ROA | 2.2% |
| Free-cash-flow yield | 34.2% | Payout ratio | 82% |
| Institutions | 10 / 10 | Insiders · Congress | 4 · 5 / 10 |
Wheel Score 50: Fair
A Wheel Score of 50 keeps Upbound Group, Inc. under 70, the mark only a stock that passes all 9 Wheel Trade Filters can reach: it fails filter 5, can repay its debt - 5.1 years to repay its debt (over 3). The parts: value strong, premium strong, moat fair, health good, red flags good, option trading fair, stability weak.
Implied volatility is 50% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 6,534 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.8M shares a day on a market cap of $1.4B, with a beta of 1.78 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Fails | 5.1 years to repay its debt (over 3) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 79% below fair value | |
| Premium | Strong | implied volatility 50% | |
| Moat | Fair | moat 5.6/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Good | Red Flags score 85/100 | |
| Option trading | Fair | 1,724 contracts a day, 6,534 open interest | |
| Stability | Weak | beta 1.78, $1.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for UPBD in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Software - Application
The 12 companies below are the closest to Upbound Group, Inc. by market cap within the Software - Application industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ALKT Alkami Technology, Inc. | 13.26 | 23.59 | +44% | 40Weak | $1.4B |
| WRD WeRide Inc. | 4.40 | - | - | 18Weak | $1.4B |
| PD PagerDuty, Inc. | 17.00 | 42.98 | +60% | 48Weak | $1.3B |
| BTDR Bitdeer Technologies Group | 6.53 | - | - | 10Weak | $1.5B |
| EVCM EverCommerce Inc. | 8.52 | 5.39 | -58% | 23Weak | $1.5B |
| SECZ Securitize Corp. | 8.04 | - | - | 17Weak | $1.3B |
| LSPD Lightspeed Commerce Inc. | 11.56 | 7.64 | -51% | 29Weak | $1.5B |
| RDVT Red Violet, Inc. | 80.00 | 36.25 | -121% | 35Weak | $1.3B |
| IBTA Ibotta, Inc. | 63.03 | 38.28 | -65% | 29Weak | $1.3B |
| CXM Sprinklr, Inc. | 6.84 | 6.56 | -4% | 38Weak | $1.6B |
| GTM ZoomInfo Technologies Inc. | 4.26 | 45.98 | +91% | 38Weak | $1.2B |
| LZ LegalZoom.com, Inc. | 6.90 | 6.15 | -12% | 25Weak | $1.2B |
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about UPBD
Is UPBD undervalued right now?
By the GLS models, yes: at 24.14 the stock is 79% below the average fair value of 116.00 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of UPBD and what does it mean?
UPBD scores 50 out of 100 (Fair) - it fails Wheel Trade Filter 5. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for UPBD?
116.00 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Upbound Group, Inc. report earnings next?
No upcoming earnings date is recorded for UPBD in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does UPBD have listed options, and how liquid are they?
Yes. The nightly snapshot found 24 listed contracts with 6,534 open interest across all expiries and implied volatility of 50% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.