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UPBD
Upbound Group, Inc.·Software - Application·US
Upbound Group, Inc. leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. It operates through four segments: Rent-A-Center, Acima, Mexico, ...
1 Total1 External0 In-site
UPBDUpbound Group, Inc.
2026-02-10💻 TechnologyLong
Externalby FPA Queens Road Small Cap Value Fund · YellowBrick
Upbound Group, Inc. (UPBD) 投资分析
主要经营地：Plano, Texas
详细的生意模式：次级租购（rent‑to‑own）+嵌入式融资：Rent‑A‑Center门店与Acima“last‑look”分期；向用户收取租金/服务费
护城河：渠道与商户合作网络+风控与回收体系；但客群信用弱，周期下行时坏账与回收风险上升
估值水平：FCF/EV 53.8%；TEV/EBITDA 4.62；P/E 13.99
EV/Market Cap：2.46x
网络观点：🟡watchlist：介绍其rent‑to‑own与Acima模式，并提到新增Brigit等业务扩展。🌟看点：业务组合与现金流。
AI的观点：✅FCF/EV显示极高现金流收益率，但需判断“可持续性”（营运资本/一次性因素）。⚠️信用恶化、监管与融资成本上行会迅速侵蚀利润。🔎看：同店与新增商户、违约/回收率、资金来源与潜在稀释。