Upbound (UPBD) Times Interest Earned (2009 - 2026)
Upbound's Times Interest Earned came in at 2.13 for Q2 2026, up 19.5% from 1.78 a year earlier but down 26.2% from the prior quarter.
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Analysis
Upbound (UPBD) Times Interest Earned (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Upbound reported Times Interest Earned of 2.22, down 8.4% year-over-year; for FY2025, it came in at 1.98, down 25.0% from FY2024.
- Going back by year, Times Interest Earned was 2.64 in FY2024 (+83.7%), 1.44 in FY2023 (-15.2%), 1.69 in FY2022 (-57.2%) and 3.96 in FY2021 (-74.4%).
- The five-year range for quarterly Times Interest Earned is -1.25 (Q1 2023) to 3.40 (Q3 2021).
- Year-over-year, Times Interest Earned increased in five of the last eight quarters, with growth averaging 5.4%.
- The fastest year-over-year change in Times Interest Earned over five years came in Q4 2024 (growth of 62.6%), and the weakest in Q1 2022 (a decline of 90.0%).
- Business Quant data shows UPBD's Times Interest Earned at 2.88 (Q1 2026), 2.04 (Q4 2025) and 1.84 (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.26 Bn | 28.94 Bn | - | 1.75 |
| 2 | Orix | 42.40 Bn | 42.90 Bn | - | 2.98 |
| 3 | Royalty Pharma | 33.56 Bn | 33.47 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.47 Bn | 24.47 Bn | - | 1.15 |
| 5 | Affirm Holdings | 23.34 Bn | 17.03 Bn | - | 1.24 |
| 6 | Synchrony Financial | 23.06 Bn | -44.91 Bn | - | 2.22 |
| 7 | Royal Gold | 19.98 Bn | 19.21 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 14.18 Bn | 5.27 Bn | - | 1.63 |
| 9 | Ares Capital | 13.71 Bn | 11.15 Bn | - | - |
| 10 | Upbound | 915.30 Mn | 484.04 Mn | 594.84 Mn | 2.13 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.13 |
| Mar 31, 2026 | 2.88 |
| Dec 31, 2025 | 2.04 |
| Sep 30, 2025 | 1.84 |
| Jun 30, 2025 | 1.78 |
| Mar 31, 2025 | 2.25 |
| Dec 31, 2024 | 3.11 |
| Sep 30, 2024 | 2.61 |
| Jun 30, 2024 | 2.84 |
| Mar 31, 2024 | 2.06 |
| Dec 31, 2023 | 1.92 |
| Sep 30, 2023 | 2.08 |
| Jun 30, 2023 | 2.97 |
| Mar 31, 2023 | -1.25 |
| Dec 31, 2022 | 1.59 |
| Sep 30, 2022 | 1.61 |
| Jun 30, 2022 | 3.04 |
| Mar 31, 2022 | 0.58 |
| Dec 31, 2021 | 1.97 |
| Sep 30, 2021 | 3.40 |
API Access
Upbound Times Interest Earned API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=times-interest-earned&ticker=UPBD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "ticker": "UPBD", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=times-interest-earned&ticker=UPBD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();