Upbound Group Inc risk profile
65 Stretched several inputs deteriorating together
Measured 21 October 2026 from UPBD's filed statements. Recomputed nightly.
65 (Stretched), driven by Concentration at 98, over 5 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 54 | Elevated | Volatile | One-year price volatility — 44.7% |
| Operating pressure | Reads cost_of_revenue, operating_expense, operating_income and revenue. No reading is stored for this company. | |||
| Cash conversion | 23 | Normal | Easing | Free-cash-flow margin — 5.1% |
| Leverage and coverage | 76 | Stretched | Worsening | Net debt to EBITDA — 6.31x |
| Competitive position | 60 | Stretched | Stable | Operating-margin gap against peers — -1.7 percentage points |
| Concentration | 98 | Acute | Stable | Geographic concentration — 9,668 HHI |
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.
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Financials, valuation and price history for Upbound Group Inc