Upbound Group Inc. (UPBD) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, UPBD scores 70 out of 100, a letter grade of B-, with the verdict label "Roarable Buy — Sound Institutional Accumulation." The fundamental cash engine pillar scores 18 of 20, supported by ROIC of 30.7% and an FCF yield of 20.49%; for an investor, this is the strongest part of the thesis, indicating high capital efficiency relative to the stock's market value. The whale 13F flow pillar scores 13 of 20, reflecting institutional accumulation and options positioning, a moderate signal rather than a dominant one. The insider conviction pillar scores 18 of 20 on SEC Form 4 and Congressional PTR cluster flow, which is the second-strongest factor and suggests insiders are acquiring rather than selling. The macro regime fit pillar scores 9 of 20 with a beta of 1.0 and noted sector sensitivity, making this the weakest pillar and a reminder that the stock's performance is tied to broader market and sector conditions. The forensic balance sheet pillar scores 12 of 20, with an Altman Z of 2.36, a Piotroski F of 6/9, and Debt/Equity of 0.5, indicating a serviceable but not pristine balance sheet. Upside drivers in this profile are the cash-generation and insider-flow pillars; valuation tradeoffs are visible in a low EV/EBITDA of 3.7 alongside a thin 1.6% net margin, meaning cash returns are strong but accounting profitability is narrow; and the sector-sensitivity and balance-sheet pillars cap the score. This brief is educational and not personalized financial advice.

Per the SEC financials, revenue grew from $3992.4M in FY 2023 to $4695.1M in FY 2025, while net income moved from $-5.0M to $73.0M, though FY 2025 net income fell from $124.0M in FY 2024. Current margins per the market data are a 48.4% gross margin, 4.8% operating margin, and 1.6% net margin, with ROIC of 30.7%. The Altman Z-Score of 2.36 and Piotroski F-Score of 6/9 are cited in the Roarable RQD rating, alongside Debt/Equity of 0.5. Debt and EPS for the reported periods are not available in source data.

• Risk Watch (RED): A Yahoo Finance headline states UPBD stock "Looks Below Fair Value Following Its 57% Fall," tagged as RISK WATCH.
• Catalyst (GREEN): A ChartMill headline reports a Q3 earnings beat with strong cash flow offsetting in-line revenue, tagged as CATALYST.
• Market Wire (YELLOW): Moomoo reports the Q3 2026 earnings release; Yahoo Finance reports the company topped Q3 earnings and revenue estimates; Simply Wall St covers a stock forecast; Stock Titan reports director Glenn P. Marino acquired 1,684 stock units, bringing holdings to 70,821 units.
• Proprietary signals: None per the Butterfly Supply-Chain Graph.

Per the Butterfly Supply-Chain Graph, supply chain is NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data. The profile's sector sensitivity, referenced in the RQD macro regime pillar, is the only sector-level context provided.

Analyst data is not available in source data. Holder data (13F, SEC Form 4 insider detail, and Congressional trades) is not available in source data beyond the RQD insider-conviction pillar score and the Stock Titan director acquisition headline noted above.

• What are the company's products, customers, and revenue drivers behind the reported revenue growth?
• What explains the drop in FY 2025 net income versus FY 2024 despite higher revenue?
• What is the company's EPS and debt level for each reported period?
• What is the size and timing of the institutional and insider positions behind the 13F and Form 4 signals?
• What catalyst produced the 18.16% price change, and does it reflect the earnings beat or the "57% fall" referenced in the risk headline?