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Unless the context indicates otherwise, references to we, us , our , and the Company refer to the consolidated business operations of Upbound Group, Inc., the parent, and any or all of its direct and indirect subsidiaries. We are a technology and data-driven leader in accessible and inclusive financial solutions that address the evolving needs and aspirations of underserved consumers.
Operating margin is thin at 4.76%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 8.7%, steady but not accelerating.
ROIC dropped from 27.06% to 20.01%, capital efficiency is deteriorating.
Profitability & Returns
Revenue (TTM)
$4.74B
▲ +8.7% YoY
Net Income (TTM)
$84M
▼ -40.7% YoY
Op. Margin
5.03%
▼ -2.0pp YoY
ROIC
20.22%
▼ -7.1pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$256M
▲ +392.7% YoY
Op. Cash Flow (TTM)
$328M
▲ +191.8% YoY
Net Debt
$190M
Cash & Equiv.
$98M
5Y CAGR: +10.8%
5Y CAGR: +3.4%
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