
UPBD Stock Forecast & Price Target
UPBD Analyst Ratings
Bulls say
Upbound Group Inc. demonstrates a positive financial outlook, driven by an 11% year-over-year growth in gross merchandise volume (GMV) for the third quarter of 2025, indicating effective management of growth alongside risk-adjusted margins. The company is experiencing faster-than-expected revenue growth, particularly through the Acima segment, which is successfully gaining more new accounts. Additionally, there is potential for enhanced earnings quality through increased member subscriptions for the Brigit offering, positioning Upbound Group to capture market share from prime lenders, which would support both volume and margin improvements.
Bears say
Upbound Group Inc. has experienced a negative outlook following a significant miss in 4Q25 guidance, with EBITDA falling 11% short of consensus and EPS missing by 14%. The Acima segment, which contributes the majority of revenue, is under pressure, with projections suggesting that losses could escalate to 16.5%, raising concerns about subprime consumer credit deterioration and its potential impact on earnings and book value. Consequently, based on these concerns, revisions have led to a 13% reduction in 2026 EPS and a 10% reduction in 2027 EPS, contributing to a lowered target price.
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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