Stock fact sheet · data as of
Upland Software, Inc. (UPLD): fair value, margin of safety and Wheel Score
Ticker symbol UPLD · Technology · Software - Application · United States · Speculative
Is UPLD undervalued?
At 4.70 (close of 5 Nov 2026), UPLD trades 97% below the GLS average fair value of 142.39. That average comes from 1 models run on the latest filings, and 1 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 Upland Software, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The average is built from just 1 models (10 Cap) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files UPLD under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for UPLD
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 | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 142.39 | +2929% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -86.98 | -1951% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 12.50 | +166% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Upland Software, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of 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. A GLS Moat score of 2.9/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -12.3%, ROE -48.2%, ROA -9.4% - with debt at 2.91 times equity and a free-cash-flow yield of 148.8%. Debt of 2.91 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.
Upland Software, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Subscription And Support 50%, Product 47%, Perpetual License 2% (quarter Q2 FY2026).
Institutional ownership scores 4/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | -12.3% |
|---|---|---|---|
| GLS Moat | 2.9 / 10 | ROE | -48.2% |
| Debt / equity | 2.91 | ROA | -9.4% |
| Free-cash-flow yield | 148.8% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 26: Weak
With a Wheel Score of 26 Upland Software, Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (0 open interest, 0 a day); and filter 2, a real business, not a gamble - speculative (a loss, or a weak Piotroski score); and filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 5, can repay its debt - 8.7 years to repay its debt (over 3); and filter 6, no serious red flags - Red Flags score 55 (under 60); and filter 7, a premium worth selling - no implied volatility; and filter 8, big enough - market cap $14M (under $1.0B); and filter 9, not a penny stock - price 4.70 (under $5); Premium (weak) is its weakest part.
No implied volatility is recorded for UPLD - the nightly snapshot found no near-the-money contracts 20-60 days out - so it fails the Wheel Trade Filter on premium. Chain open interest is thin - 0 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 75k shares a day on a market cap of $14M, with a beta of 1.42 - 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 fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (0 open interest, 0 a day) |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Fails | 8.7 years to repay its debt (over 3) |
| 6 | No serious red flags | Fails | Red Flags score 55 (under 60) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $14M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 4.70 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 97% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.9/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 55/100 | |
| Option trading | Weak | 0 contracts a day, 0 open interest | |
| Stability | Fair | beta 1.42, $14M 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 UPLD in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
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Start free See the Sunday ScanQuestions about UPLD
Is UPLD undervalued right now?
By the GLS models, yes: at 4.70 the stock is 97% below the average fair value of 142.39 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of UPLD and what does it mean?
UPLD scores 26 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 4, 5, 6, 7, 8, 9. 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 UPLD?
142.39 per share as of 5 Nov 2026 - the simple average of the 1 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 Upland Software, Inc. report earnings next?
No upcoming earnings date is recorded for UPLD in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does UPLD have listed options, and how liquid are they?
Yes. The nightly snapshot found 2 listed contracts with 0 open interest across all expiries. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.