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Upbound Group Inc (UPBD) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company has a high dividend yield and potential for revenue growth through acquisitions, the recent financial performance shows significant declines in net income and EPS. The technical indicators suggest a neutral to slightly bearish trend, and there are no strong trading signals or significant catalysts to justify immediate action.
The MACD is negative and expanding, indicating bearish momentum. RSI is in the neutral zone at 41.953, showing no clear overbought or oversold conditions. Moving averages are converging, suggesting indecision in the market. The stock is trading near its pivot level of 19.888, with support at 19.093 and resistance at 20.682.

The company is expanding its business through acquisitions like the Brigit app and the Acima platform, which could drive future revenue growth. Additionally, the stock offers a high dividend yield of 7.6%, which may appeal to long-term investors.
Net income dropped by 57.16% YoY, and EPS fell by 60% YoY in the latest quarter, signaling weak profitability. The MACD and technical indicators suggest bearish momentum. Analysts have slightly lowered their price targets, reflecting cautious sentiment.
In Q3 2025, revenue increased by 8.97% YoY to $1,164,717,000, but net income dropped significantly by 57.16% YoY to $13,221,000. EPS also declined by 60% YoY to 0.22. Gross margin improved slightly by 1.33% YoY to 47.24%.
TD Cowen maintains a Buy rating but lowered the price target from $31 to $30, reflecting cautious optimism due to macroeconomic factors and sector-specific challenges.