“In contrast, our cash expenditures for our merchandise purchases for the fiscal year are generally the highest beginning in the latter part of the third quarter through the fourth quarter, primarily as a result of holiday promotions that lead to increased dem…”10-Q · May 1, 2026 ↗
Upbound Group, Inc.
UPBD
Market read
Upbound Group, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 19 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.
- UPBD's market-adjusted activity becomes unusual and at least one connected name confirms.
Invalidation: The isolated read changes if UPBD's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 19 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.
No thresholded supportive filing evidence is available yet.
No thresholded adverse filing evidence is available yet.
- UPBD's market-adjusted activity becomes unusual and at least one connected name confirms.
Company research
Understand the business, not just the ticker
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
- Latest annual revenue changed +8.7% year over year.
- Operating cash flow covered net income at 4.17x in the latest annual period.
- Demand and volume has repeated favorable evidence across 4 filings.
- Credit and interest rates has repeated favorable evidence across 3 filings.
- Input and raw-material costs has repeated favorable evidence across 3 filings.
- Labor availability and costs has repeated favorable evidence across 3 filings.
- Operating margin changed -2.0 percentage points in the latest annual period.
- Net margin changed -1.3 percentage points in the latest annual period.
- Diluted shares increased 4.8% in the latest annual period.
No credible peer-relative valuation comparison is available yet.
Price as of Sep 10, 2026
18.19Reported annual revenue and per-share history. This is accounting history, not a forecast.
What management says matters
Persistent and emerging business drivers
“Cash provided by (used in) financing activities increased by $250.0 million to $156.5 million in 2025, compared to $(93.5) million in 2024, primarily due to an increase in borrowings under the ABL Credit Facility of $456.0 million, partially offset by an incr…”10-K · Feb 23, 2026 ↗
“Operating profit increased approximately $39.4 million for the year ended December 31, 2025, primarily due to an increase in gross profit of $60.3 million and decreases in operating labor costs and other gains and charges of $4.4 million and $1.7 million, res…”10-K · Feb 23, 2026 ↗
“Operating profit increased approximately $39.4 million for the year ended December 31, 2025, primarily due to an increase in gross profit of $60.3 million and decreases in operating labor costs and other gains and charges of $4.4 million and $1.7 million, res…”10-K · Feb 23, 2026 ↗
Valuation discipline
Peer-relative valuation withheld
Jodie found no industry-matched filing peers suitable for a valuation comparison. It will not substitute broader financial-sector names.
Mechanical 2.0-year scenarios are available as editable assumptions, not consensus.
Price action
How the market is pricing the story
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for UPBD. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for UPBD. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind UPBD
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
WHRWhirlpool CorporationsupplierFeb 23, 2026 ▾
“However, any termination or disruption to our relationship with Ashley Furniture Industries, Whirlpool or other significant suppliers could materially adversely impact our results.”
JPMJPMorgan Chase & Co.lenderMay 1, 2026 ▾
“On February 17, 2021, we also entered into a term loan credit agreement with JPMorgan Chase Bank, N.A., as administrative agent, and lenders party thereto, that provides for a seven-year $875 million senior secured term loan facility (as most recently amended…”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
UPBD is currently a Follower in the organic co-movement group Consumer Health & Finance. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 2 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for UPBD; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.