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Stock Ratings / Consumer Discretionary / UPBD / financials
PRG (69) ARLO (63) KPLT (47) CTOS (60) ⌘ Pro Terminal β†’

Upbound Group Inc. (UPBD) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$20.70 +3.60% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.88

Upbound Group Inc. (UPBD) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (48% profit margin, 31% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

πŸ“Š Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY β€’ 68.1% hit rate) β†’
ROARABLE B- β€’ BUY Cap $1.21B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UPBD Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is UPBD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Upbound Group Inc. (NASDAQ: UPBD) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $20.70 (+3.60% 1D, market cap $1.21B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 18/20. Across 1011 tracked Consumer Discretionary issuers, UPBD ranks #160 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does UPBD compare to PRG and ARLO in the Consumer Discretionary sector?
β–Ό

Within the Consumer Discretionary sector (Diversified Commercial Services), UPBD carries a Roarable B- (70/100 RQD), trailing P/E of 16.0x, gross margin of 48.4%, and ROIC of 30.7%. By comparison, PRG (PROG Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 8.9x, ROIC 37.3%, cap $1.36B) and ARLO (Arlo Technologies Inc.) posts a C grade (63/100 RQD, P/E 106.3x, ROIC 6.0%, cap $1.56B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UPBD?
β–Ό

Per UPBD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000933036), Upbound Group Inc. generated $4.70B in revenue (+8.7% YoY), $73.0M in net income, and $238.7M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (48% profit margin)β€”profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $20.88 (+0.89%)🧬 Cannibal Buyback (-2.92% YoY Shares)βš™οΈ Cash Engine: 18/20 (A) β€’ 5.1% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY β€’ 68.1% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERBUY β€’ B-
025507510070
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- Β· Rk D+
Cash (18)Whales (13)SEC (12)Macro (9)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$26 Bull$22 Base$17 Bear
πŸ“¬ FREE UPBD RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for UPBD)Realized 20D OHLCV Swing Band: Β±10.8%
Deterministic 5-Pillar Attribution (70/100 Composite)
πŸ” WHY UPBD SCORES 70/100 (B-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Cash Engine Quality+18/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 5.1% FCF Margin ($238.7M FCF) & 48.4% Gross Margin

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy β€’ Cannibal Buyback (-2.92% YoY Shares)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit9/20 pts (-11 pt drag)

Macro rate sensitivity & RSI-14 (73.3) create a -11 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
62
Grade C+$15.41+5.9% Next Q
Q2 (-2Q)
65
Grade C+$16.32+3.9% Next Q
Q3 (-1Q)
67
Grade B-$16.95+22.1% Next Q
Current
70
Grade B-$20.70+6.6% Hist 90D Ξ±
Trajectory: C+ (62) β†’ B- (70)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the UPBD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 70/100 (B-) score, UPBD faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.29) or 200D SMA ($18.88) invalidates the momentum regime and cuts Target Base ($21.82) toward Bear Floor ($16.97).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UPBDβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œUPBD Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How UPBD Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$238.7M (5.1% FCF Margin)
Revenue$4.70BGross Profit $2.27B (48.4%)Cost of Sales $2.42BOp Profit $223.3M (4.8%)OpEx (R&D/SG&A) $2.05BNet Profit$73.0M (1.6%)Tax/Other $150.3M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $3.99B
FY24
Rev $4.32B
FY25
Rev $4.70B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$4.70B48.4%4.8%$73.0M$238.7M30.7%
FY 2024$4.32B48.1%6.7%$124.0M$48.4M40.6%
FY 2023$3.99B48.4%4.1%-$5.0M$200.3M30.7%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UPBD)

  • βœ“Walkthrough of UPBD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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UPBD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.01%⚑ TESTING RESISTANCE
2026-11-03O $19.98H $20.70L $19.98C $20.70VOL 2.61M
RES: $20.97SUP: $14.37SMA50: $17.29SMA200: $18.88
$23.67$21.31$18.96$16.60$14.25RES $20.97SUP $14.37$20.702026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UPBD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ UPBD Butterfly Map β†’ + Track UPBD β†’
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.6%/yr Implied 5Y Growth

vs. +8.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UPBD today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for UPBD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UPBD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UPBD)

Consumer Discretionary Rank #160 of 1011 βš”οΈ PRG vs UPBD Full Matrix β†’

1. Head-to-Head Consumer Discretionary Peer Comparison (UPBD vs. PRG, ARLO, KPLT, CTOS)

Industry: Diversified Commercial Services (32 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Upbound Group Inc. (UPBD) ranks #160 by composite RQD confidence (70/100, grade B-) and #487 by equity capitalization ($1.21B). Within this direct 5-issuer industry benchmark cohort, PRG leads on earnings valuation at 8.9x trailing P/E, while PRG leads on capital efficiency and profitability with 37.3% ROIC and β€” gross margin. UPBD currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UPBD ACTIVE
Upbound Group Inc.
B- 70/100 16.0x 48.4% 30.7% +3.60% $1.21B Benchmark Subject
PRG
PROG Holdings Inc.
C+ 69/100 8.9x β€” 37.3% +3.79% $1.36B /prg-vs-upbd β†’
ARLO
Arlo Technologies Inc.
C 63/100 106.3x 44.0% 6.0% -1.90% $1.56B /arlo-vs-upbd β†’
KPLT
Katapult Holdings Inc.
D 47/100 β€” 17.7% -0.8% -17.09% $880.7M /kplt-vs-upbd β†’
CTOS
Custom Truck One Source Inc.
C- 60/100 β€” 28.5% 4.1% -2.93% $2.41B /ctos-vs-upbd β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000933036

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Upbound Group Inc. (UPBD) reported GAAP revenue of $4.70B (+8.7% vs. FY2024 revenue of $4.32B , and +17.6% cumulative change since FY2023) , GAAP net income of $73.0M, operating cash flow of $305.6M, and free cash flow of $238.7M (+392.7% YoY). On the balance sheet, UPBD closed FY2025 with $3.28B in total assets against $0 in total debt (Altman Z-Score: 2.36, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.70B $73.0M $305.6M $238.7M $3.28B β€”
FY2024 (FY) 2024-12-31 $4.32B $124.0M $104.7M $48.4M $2.65B β€”
FY2023 (FY) 2023-12-31 $3.99B -$5.0M $200.3M $200.3M β€” β€”

3. UPBD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UPBD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Upbound Group Inc. (NASDAQ: UPBD) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $20.70 (+3.60% 1D, market cap $1.21B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 18/20. Across 1011 tracked Consumer Discretionary issuers, UPBD ranks #160 in composite RQD confidence.

How does UPBD compare to PRG and ARLO in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Diversified Commercial Services), UPBD carries a Roarable B- (70/100 RQD), trailing P/E of 16.0x, gross margin of 48.4%, and ROIC of 30.7%. By comparison, PRG (PROG Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 8.9x, ROIC 37.3%, cap $1.36B) and ARLO (Arlo Technologies Inc.) posts a C grade (63/100 RQD, P/E 106.3x, ROIC 6.0%, cap $1.56B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UPBD?

Per UPBD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000933036), Upbound Group Inc. generated $4.70B in revenue (+8.7% YoY), $73.0M in net income, and $238.7M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (48% profit margin)β€”profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UPBD trading relative to its 50-day, 200-day, and 52-week technical levels?

UPBD last traded at $20.70 (+3.60% on volume of 2,609,988 shares), positioning the stock +19.72% above its 50-day simple moving average ($17.29) and +9.64% above its 200-day simple moving average ($18.88). Across its 52-week range of $14.98 to $23.98, UPBD sits at the 63.6% percentile with a 14-day RSI of 73.3 (OVERBOUGHT (>70)) and an implied next-earnings move of Β±10.8% ($18.46 to $22.94).

UPBD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

How profitable is Upbound Group Inc. (UPBD)?

In FY 2025 (10-K), UPBD converted $4.7B of revenue into a 48.4% gross margin, 4.8% operating margin, and $238.7M in free cash flow (5.1% FCF margin).

Direct Sub-Reports: UPBD RQD Cockpit UPBD 12M Forecast UPBD Earnings & Move UPBD Dividends & DRIP UPBD Insiders & 13F UPBD Whale Options UPBD Profit Sankey UPBD News & Why
ROARABLE RATING BRIEF β€’ RQD 70/100 (B-) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

UPBD β€” Upbound Group Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:30:24Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, UPBD scores 70 out of 100, a letter grade of B-, with the verdict label "Roarable Buy β€” Sound Institutional Accumulation." The fundamental cash engine pillar scores 18 of 20, supported by ROIC of 30.7% and an FCF yield of 20.49%; for an investor, this is the strongest part of the thesis, indicating high capital efficiency relative to the stock's market value. The whale 13F flow pillar scores 13 of 20, reflecting institutional accumulation and options positioning, a moderate signal rather than a dominant one. The insider conviction pillar scores 18 of 20 on SEC Form 4 and Congressional PTR cluster flow, which is the second-strongest factor and suggests insiders are acquiring rather than selling. The macro regime fit pillar scores 9 of 20 with a beta of 1.0 and noted sector sensitivity, making this the weakest pillar and a reminder that the stock's performance is tied to broader market and sector conditions. The forensic balance sheet pillar scores 12 of 20, with an Altman Z of 2.36, a Piotroski F of 6/9, and Debt/Equity of 0.5, indicating a serviceable but not pristine balance sheet. Upside drivers in this profile are the cash-generation and insider-flow pillars; valuation tradeoffs are visible in a low EV/EBITDA of 3.7 alongside a thin 1.6% net margin, meaning cash returns are strong but accounting profitability is narrow; and the sector-sensitivity and balance-sheet pillars cap the score. This brief is educational and not personalized financial advice.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
19.98$1.16B1614.93.71.257.54%1.0$14.98 - $23.9830.7%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$4695.1M$223.3M$73.0MN/A$238.7M$120.5MN/A
FY 2024$4320.6M$291.6M$124.0MN/A$48.4M$60.9MN/A
FY 2023$3992.4M$162.9M$-5.0MN/A$200.3MN/AN/A

Per the SEC financials, revenue grew from $3992.4M in FY 2023 to $4695.1M in FY 2025, while net income moved from $-5.0M to $73.0M, though FY 2025 net income fell from $124.0M in FY 2024. Current margins per the market data are a 48.4% gross margin, 4.8% operating margin, and 1.6% net margin, with ROIC of 30.7%. The Altman Z-Score of 2.36 and Piotroski F-Score of 6/9 are cited in the Roarable RQD rating, alongside Debt/Equity of 0.5. Debt and EPS for the reported periods are not available in source data.

Recent Catalysts & News Wire Analysis

  • Risk Watch (RED): A Yahoo Finance headline states UPBD stock "Looks Below Fair Value Following Its 57% Fall," tagged as RISK WATCH.
  • Catalyst (GREEN): A ChartMill headline reports a Q3 earnings beat with strong cash flow offsetting in-line revenue, tagged as CATALYST.
  • Market Wire (YELLOW): Moomoo reports the Q3 2026 earnings release; Yahoo Finance reports the company topped Q3 earnings and revenue estimates; Simply Wall St covers a stock forecast; Stock Titan reports director Glenn P. Marino acquired 1,684 stock units, bringing holdings to 70,821 units.
  • Proprietary signals: None per the Butterfly Supply-Chain Graph.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data. The profile's sector sensitivity, referenced in the RQD macro regime pillar, is the only sector-level context provided.

Analyst View & Smart Money Ownership

Analyst data is not available in source data. Holder data (13F, SEC Form 4 insider detail, and Congressional trades) is not available in source data beyond the RQD insider-conviction pillar score and the Stock Titan director acquisition headline noted above.

Open Questions

  • What are the company's products, customers, and revenue drivers behind the reported revenue growth?
  • What explains the drop in FY 2025 net income versus FY 2024 despite higher revenue?
  • What is the company's EPS and debt level for each reported period?
  • What is the size and timing of the institutional and insider positions behind the 13F and Form 4 signals?
  • What catalyst produced the 18.16% price change, and does it reflect the earnings beat or the "57% fall" referenced in the risk headline?

UPBD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Upbound Group Inc. (UPBD) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to UPBD Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UPBD Bull vs. Bear Conversation Board β€” What's Your Call at $20.70?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UPBD 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UPBD:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk πŸ‚ BULLISH 🎯 Target: $23.58 (+18.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is UPBD (B- β€’ RQD 70/100) a Buy at $19.98?

Welcome to the UPBD (Upbound Group Inc.) Roar Pit. Current RQD Composite is 70/100 (Roarable Buy β€” Sound Institutional Accumulation) in Diversified Commercial Services. Bulls point to capital efficiency (30.7% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $16.38 (-18.0%)
Spot @ $19.98

Pump the brakes on UPBD β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on UPBD, but look at what you are paying: 16.0x trailing P/E with 48.4% gross margins. Unless Upbound Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

AL AlphaFlow_Cap Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $25.17 (+26.0%)
Spot @ $19.98

UPBD cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on UPBD, the market is fixating on short-term headline noise in Diversified Commercial Services and ignoring the balance sheet and cash flow trajectory. At $19.98 (52-wk range $14.98 - $23.98), any beat on forward guidance forces shorts and underweight funds to chase.

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