Is UPBOUND GROUP, INC. (UPBD) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 162.5% / 30% | 10.5% / 30% | 17.8% / 30% | 0.06% / 5% | ✗ NOT HALAL |
| DJIM | 162.5% / 33% | 10.5% / 33% | 17.8% / 33% | 0.06% / 5% | ✗ NOT HALAL |
| MSCI | 56.7% / 33% | 3.7% / 33% | 6.2% / 33% | 0.06% / 5% | ✗ NOT HALAL |
| S&P | 162.5% / 33% | 10.5% / 33% | 17.8% / 33% | 0.06% / 5% | ✗ NOT HALAL |
| FTSE | 56.7% / 33% | 3.7% / 33% | 6.2% / 50% | 0.06% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 48.4% | |
| Operating Margin | 9.5% | |
| Net Margin | 1.6% | |
| Return on Equity (ROE) | 11.1% | |
| Return on Assets (ROA) | 7.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $306M |
| Free Cash Flow | $239M |
| Total Debt | $1.9B |
| Debt-to-Equity | 266.9 |
| Current Ratio | 2.5 |
| Total Assets | $3.3B |
Price & Trading
| Last Close | $18.42 |
| 50-Day MA | $19.66 |
| 200-Day MA | $21.47 |
| Avg Volume | 789K |
| Beta | 1.8 |
|
52-Week Range
$15.82
| |
About UPBOUND GROUP, INC. (UPBD)
Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was incorporated in 1986 and is based in Plano, Texas.
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Frequently Asked Questions
Is UPBOUND GROUP, INC. (UPBD) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UPBOUND GROUP, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UPBOUND GROUP, INC.'s debt ratio?
UPBOUND GROUP, INC.'s debt ratio is 162.5% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 56.7%.
What are UPBOUND GROUP, INC.'s key financial metrics?
UPBOUND GROUP, INC. has a market capitalization of $1.1B, trailing P/E ratio of 14.5, and revenue of $4.7B. The company maintains a gross margin of 48.4% and a net margin of 1.6%. Return on equity stands at 11.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.