SRCO vs UPBD Stock Comparison

Sparta Commercial Services and Upbound Prices as of Oct 27, 2026 Peers: Industry group
UPBD Upbound Group, Inc.
$16.95 +5.3% 1M -27.2% 1Y
Market cap
$988.17M
P/E
10.9x
Revenue (TTM)
$4.74B
Div. yield
9.20%
Specialty Finance Financial Services
6 wins

Head to Head

7 decided of 12

Upbound leads on 6 of the 12 questions below (Upbound 6, Sparta Commercial Services 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionSRCOUPBDLeader
Larger companyMarket capitalisation $3.82M $988.17M UPBD
Cheaper on earningsLower P/E, profitable companies only -1.3x 10.9x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 3.9x –
Faster revenue growthRevenue growth, trailing twelve months +1.9% +5.9% UPBD
More profitableNet margin, trailing twelve months -974.8% 1.9% UPBD
Better return on capitalReturn on invested capital — 7.8% –
Less leveragedLower net debt / EBITDA — 0.8x –
Higher dividend yieldTrailing dividend yield — 9.20% –
Better 1-year returnPrice return, last 12 months -53.3% -27.2% UPBD
Better 5-year returnAnnualised price return, 5 years -2.6%/yr -20.6%/yr SRCO
Less volatileAnnualised volatility, 1 year 131.8% 45.0% UPBD
Higher overall scoreMean of the five percentile scores vs peers 11/100 63/100 UPBD

Percentile Scorecard

SRCOUPBD

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisSRCOUPBD
Valuation 3 #164 of 169 96 #8 of 169
Growth 32 #109 of 160 71 #47 of 160
Profitability 14 #129 of 149 62 #57 of 149
Financial Health 0 #157 of 158 53 #75 of 158
Shareholder Returns 5 #129 of 136 31 #94 of 136
Overall 11 63
  • SRCO ranked among 174 companies in Lending and Credit
  • UPBD ranked among 174 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodSRCOUPBDSPY
1 month -12.5%+5.3% -0.2%
3 months -22.2%-21.5% +3.9%
6 months -22.2%-11.1% +8.2%
Year to date -41.7%-3.5% +12.9%
1 year -53.3%-27.2% +12.3%
3 years -30.0%-32.9% +87.4%
3 years, per year -11.2%-12.5% +23.3%
5 years -12.5%-68.4% +67.9%
5 years, per year -2.6%-20.6% +10.9%
10 years -58.8%+74.6% +261.1%
10 years, per year -8.5%+5.7% +13.7%

Risk

MeasureSRCOUPBDSPY
Volatility, 1Y 131.8%45.0% 12.7%
Downside volatility, 1Y 225.5%46.6% 12.7%
Beta vs S&P 500, 1Y 1.091.28 1.00
Return / volatility, 1Y -0.40-0.60 0.97
Max drawdown, 5Y -85.7%-72.2% -25.4%
From 52-week high -61.1%-28.2% -1.2%
52-week high $0.18$23.60 $779.14
52-week low $0.06$15.36 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleSRCOUPBD
P/E now vs peer median -1.3xmedian 11.1x 10.9xmedian 11.1x
P/S now vs peer median 12.9xmedian 2.6x 0.2xmedian 2.6x
EV/EBITDA now vs peer median —median 13.5x 1.4xmedian 13.5x
P/FCF now vs peer median -5.7xmedian 7.0x 2.8xmedian 7.0x
P/B now vs peer median -0.3xmedian 0.7x 1.3xmedian 0.7x
PEG now vs peer median 0.02median 0.32 0.04median 0.32

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsSRCOUPBD
Revenue $296.32K $4.74B
Gross profit $269.77K $2.33B
Operating income -$2.29M $241.70M
Net income -$2.91M $90.34M
Free cash flow -$666.29K $355.95M
EPS (diluted) $-0.05 $1.54
Cash & equivalents $54.74K $105.30M
Total debt $39.10M $5.98B
Shares (diluted) 54.14M 58.71M
Enterprise value $4.55M $556.91M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricSRCOUPBD
P/E -1.3x 10.9x
P/FCF -5.7x 2.8x
P/Operating cash flow -5.7x 2.3x
P/S 12.9x 0.2x
P/B -0.3x 1.3x
P/Tangible book -0.3x 2.4x
EV/EBITDA – 1.4x
EV/EBIT -6.1x 9.5x
EV/Revenue 47.0x 0.5x
EV/FCF -20.9x 6.5x
EV/Operating cash flow -20.9x 5.4x
PEG (3Y EPS CAGR) 0.02 0.04

Growth

14 metrics
MetricSRCOUPBD
Revenue growth (1Y) 1.9% 5.9%
Revenue CAGR (3Y) 5.8% 5.8%
Gross profit growth (1Y) 2.7% 8.9%
Gross profit CAGR (3Y) 8.8% 5.0%
Operating income growth (1Y) -97.2% -7.9%
Operating income CAGR (3Y) -26.3% 23.5%
Net income growth (1Y) -79.4% -11.5%
Net income CAGR (3Y) -115.0% 303.4%
EPS growth (1Y) -32.3% -11.6%
EPS CAGR (3Y) -61.7% 295.6%
Operating cash flow growth (1Y) 40.9% 94.9%
Operating cash flow CAGR (3Y) 40.0% 9.6%
Free cash flow growth (1Y) 40.9% 123.2%
Free cash flow CAGR (3Y) 40.0% 9.5%

Profitability

14 metrics
MetricSRCOUPBD
Gross margin 91.0% 49.1%
EBITDA margin – 35.5%
Operating margin -772.6% 5.1%
Pretax margin -1,069% 2.7%
Net margin -974.8% 1.9%
FCF margin -224.9% 7.5%
Operating cash flow margin -224.9% 9.0%
Return on equity – 12.5%
Return on assets -2,283% 2.9%
Return on invested capital – 7.8%
Return on capital employed – –
Asset turnover 2.3x 1.5x
Cash conversion (OCF / net income) 0.2x 4.7x
Stock comp / revenue 53.5% 1.1%

Financial Health

11 metrics
MetricSRCOUPBD
Debt / assets 10,856% 45.9%
Debt / equity -0.7x 1.9x
Net debt / EBITDA – 0.8x
Debt / FCF -15.2x 4.0x
Liabilities / assets 14,623% 76.4%
Equity / assets -14,523% 23.6%
Interest coverage -2.6x 2.2x
Current ratio 0.0x –
Quick ratio 0.0x –
Cash ratio 0.0x –
Altman Z-score -1,311 –

Shareholder Returns

7 metrics
MetricSRCOUPBD
Dividend yield – 9.2%
Net buyback yield -6.0% -0.1%
Shareholder yield -6.0% 9.1%
Payout ratio (earnings) – –
Payout ratio (FCF) – –
Dividend growth (1Y) – –
Dividend CAGR (3Y) – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusSRCOUPBD
Forward P/E – 3.9xFY2026
EPS, next fiscal year – $4.36FY2026
EPS growth, next FY – +5.6%FY2026
EPS growth, the year after – +8.9%
Revenue, next fiscal year – $5.00BFY2026
Revenue growth, next FY – +6.3%FY2026
Revenue growth, the year after – -4.8%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersSRCOUPBD
Held by institutions – 99.3%
Institutions holding – 256
Change in shares held, QoQ – +3.3%
Institutions buying – 146
Institutions selling – 69
Buyers to sellers – 2.12

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

SRCOUPBD
SRCO 1.00 0.11
UPBD 0.11 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, SRCO and UPBD?

Upbound (UPBD) is the largest by market capitalisation: Sparta Commercial Services (SRCO) $3.82M, Upbound (UPBD) $988.17M.

Which company is growing faster?

Upbound (UPBD) grew revenue fastest over the trailing twelve months: Sparta Commercial Services (SRCO) +1.9%, Upbound (UPBD) +5.9%.

Which company is more profitable?

Upbound (UPBD) has the highest net margin (Sparta Commercial Services (SRCO) -974.8%, Upbound (UPBD) 1.9%).

Which stock has performed better?

Over the past year Upbound (UPBD) returned the most: Sparta Commercial Services (SRCO) -53.3%, Upbound (UPBD) -27.2%. Over five years, Sparta Commercial Services (SRCO) compounded fastest (Sparta Commercial Services (SRCO) -2.6%/yr, Upbound (UPBD) -20.6%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Upbound (UPBD) 9.20%. Sparta Commercial Services (SRCO) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Upbound (UPBD) has been the steadiest (Sparta Commercial Services (SRCO) 131.8%, Upbound (UPBD) 45.0%). Volatility measures how widely the price swings, not the risk of the business.

Do SRCO and UPBD move together?

Their daily returns over the past year have a correlation of 0.11, a weak relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, SRCO and UPBD?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Upbound (UPBD) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.