Upbound Group Inc. (UPBD)
Profitability ratios
Return on sales
| Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross profit margin | 48.15% | 48.94% | 49.66% | 50.22% | 50.65% | 50.57% | 50.21% | 49.73% | 48.98% | 48.63% | 48.34% | 48.24% | 48.76% | 50.72% | 53.30% | 55.97% | 59.42% | 59.87% | 60.34% | 61.28% |
| Operating profit margin | 6.75% | 6.30% | 6.15% | 6.38% | 4.08% | 3.77% | 3.20% | 2.50% | 3.50% | 3.23% | 3.78% | 4.71% | 6.12% | 7.23% | 8.51% | 8.21% | 8.43% | 9.06% | 7.74% | 10.67% |
| Pretax margin | 4.11% | 3.54% | 3.31% | 3.64% | 1.32% | 1.04% | 0.61% | 0.16% | 1.45% | 1.44% | 1.96% | 2.91% | 4.24% | 5.51% | 7.21% | 7.23% | 7.92% | 8.48% | 6.94% | 9.70% |
| Net profit margin | 2.86% | 1.91% | 1.31% | -0.61% | -0.13% | 0.22% | -0.04% | 1.56% | 0.29% | 0.44% | 1.02% | 1.87% | 2.94% | 4.39% | 6.13% | 6.39% | 7.40% | 6.95% | 5.90% | 8.06% |
The profitability ratios of Upbound Group Inc. have exhibited some fluctuations over the years. The Gross Profit Margin, which measures the percentage of revenue retained after accounting for the cost of goods sold, decreased gradually from 61.28% in March 2020 to 48.15% in December 2024. This indicates a decline in the company's ability to control its production costs over the period.
The Operating Profit Margin, representing the proportion of revenue left after deducting operating expenses, fluctuated inconsistently, ranging from 10.67% in March 2020 to 6.75% in December 2024. This suggests varying levels of efficiency in managing operational costs and generating profits.
The Pretax Margin, showing the percentage of each dollar of revenue that translates into net income before taxes, experienced a downward trend from 9.70% in March 2020 to 4.11% in December 2024. This indicates a decreasing ability to generate profits before tax expenses over time.
Lastly, the Net Profit Margin, which reflects the company's bottom line profitability after all expenses, also fluctuated erratically, ranging from 8.06% in March 2020 to 2.86% in December 2024. The declining trend implies challenges in maintaining profitability at the net income level.
Overall, the financial performance of Upbound Group Inc. in terms of profitability has shown inconsistency and decline, indicating potential challenges in cost management and revenue generation over the years.
Return on investment
| Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating return on assets (Operating ROA) | 11.01% | 10.41% | 9.78% | 9.89% | 5.98% | 5.69% | 4.96% | 3.74% | 5.37% | 5.17% | 6.26% | 7.98% | 9.37% | 9.77% | 10.26% | 8.60% | 13.55% | 15.02% | 13.27% | 17.76% |
| Return on assets (ROA) | 4.66% | 3.15% | 2.09% | -0.94% | -0.19% | 0.33% | -0.05% | 2.33% | 0.45% | 0.71% | 1.68% | 3.17% | 4.51% | 5.94% | 7.39% | 6.70% | 11.89% | 11.53% | 10.12% | 13.41% |
| Return on total capital | 45.81% | 43.31% | 42.48% | 45.57% | 29.67% | 25.50% | 20.82% | 15.42% | 28.41% | 26.17% | 29.79% | 41.08% | 51.66% | 33.15% | 36.74% | 33.75% | 40.21% | 46.33% | 42.68% | 60.00% |
| Return on equity (ROE) | 19.63% | 13.28% | 9.18% | -4.29% | -0.92% | 1.46% | -0.23% | 9.54% | 2.35% | 3.56% | 8.33% | 16.85% | 26.29% | 21.24% | 27.17% | 27.13% | 35.15% | 35.46% | 32.79% | 45.27% |
Upbound Group Inc.'s profitability ratios have shown fluctuations over the years. The Operating Return on Assets (Operating ROA) decreased from 17.76% in March 2020 to 5.37% in December 2022, before slightly increasing to 11.01% in December 2024. This indicates a declining trend in the company's ability to generate profits from its assets used in operations, with some recovery in recent periods.
Similarly, the Return on Assets (ROA) declined from 13.41% in March 2020 to -0.19% in December 2023, reflecting a period of deteriorating profitability relative to total assets. However, there was a rebound in profitability with ROA reaching 4.66% by December 2024.
Return on Total Capital declined from 60.00% in March 2020 to 26.17% in September 2022, before recovering to 45.81% in December 2024. This measure highlights the firm's ability to generate returns from all sources of capital employed, showing a mixed performance over the years.
Return on Equity (ROE) trended downwards from 45.27% in March 2020 to -4.29% in March 2024, signifying a decline in shareholder returns relative to equity invested. However, ROE improved to 19.63% by December 2024, indicating a positive turnaround in the company's ability to generate profits for its shareholders.
Overall, Upbound Group Inc. has experienced varying levels of profitability over the years, with signs of recovery in certain periods, but continued monitoring and strategic adjustments may be necessary to ensure sustained profitability in the future.