
UPBD Stock Forecast & Price Target
UPBD Analyst Ratings
Bulls say
Upbound Group Inc. has demonstrated strong performance with a year-over-year Gross Merchandise Value (GMV) increase of 11% in Q3 2025, indicating effective decision-making in balancing growth with risk-adjusted margins amidst tightened underwriting and fraud mitigation measures. The company’s Acima segment has shown faster-than-expected top-line growth by securing new accounts, positioning it as a primary driver of revenue, alongside steady revenue improvements from the Rent-A-Center segment. Additionally, there is optimism regarding the Brigit platform, where anticipated growth in membership subscriptions may enhance earnings quality, further strengthening Upbound's competitive position against prime lenders.
Bears say
Upbound Group Inc. has experienced a negative outlook primarily due to its fourth-quarter 2025 guidance, which fell short of consensus expectations for EBITDA by 11% and EPS by 14%, prompting a substantial decrease in projected EPS for 2026 and 2027 by 13% and 10%, respectively. The company's Acima segment is a critical area of concern, as its losses may escalate to 16.5%, raising alarms about the deterioration in subprime consumer credit, which could significantly impact earnings and book value. Furthermore, given the current market environment impacting subprime lenders, potential credit weaknesses within Acima may lead to increased scrutiny from investors, compounding the downward pressure on Upbound's stock valuation.
This aggregate rating is based on analysts' research of Upbound Group Inc and is not a guaranteed prediction by Public.com or investment advice.
UPBD Analyst Forecast & Price Prediction
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