Upbound Group, Inc. — Earnings Quality Grade F
UPBD · Technology
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 16 days, change +3 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 8.7%, CFFO 191.8%. Cash follows revenue
Expense Quality
Inventory -5.7% vs COGS 8.2%. Normal
CapEx growth 18.8% vs revenue 8.7%. Normal
SG&A/Gross Profit = 36.7%. Normal
Gross margin 48.4%, change +0.2pp. Stable
Cash Flow Quality
CFFO/NI = 4.17. Profits backed by cash
FCF $0.2B, FCF/NI = 3.26
Accruals ratio = -7.1%. Low accruals
Cash $0.1B covers only 6% of debt $1.9B
Balance Sheet Health
Goodwill+Intangibles $0.8B = 120% of equity. Over 50%
Interest coverage = 2.0x (<2x). Financial stress
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 53% YoY
Manipulation Score
M-Score = -2.46 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25