UPBD vs. USB

Last updated Apr 1, 2026

Compare and contrast key facts about Upbound Group Inc. (UPBD) and U.S. Bancorp (USB).

Performance

UPBD vs. USB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Upbound Group Inc. (UPBD) and U.S. Bancorp (USB). The values are adjusted to include any dividend payments, if applicable.

UPBD vs. USB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UPBD Upbound Group Inc.	2.79%	-35.45%	-10.06%	57.93%	-49.90%	28.38%	39.76%	79.87%	45.86%	0.94%
USB U.S. Bancorp	-1.52%	16.48%	15.62%	4.79%	-19.13%	24.32%	-17.85%	33.62%	-12.36%	6.61%

Fundamentals

Market Cap UPBD : $1.06B USB : $80.93B
EPS UPBD : $1.25 USB : $4.86
PE Ratio UPBD : 14.47 USB : 10.69
PS Ratio UPBD : 0.23 USB : 1.89
PB Ratio UPBD : 1.52 USB : 1.39
Total Revenue (TTM) UPBD : $4.70B USB : $42.86B
Gross Profit (TTM) UPBD : $2.11B USB : $26.93B
EBITDA (TTM) UPBD : $1.01B USB : $10.29B

Returns By Period

In the year-to-date period, UPBD achieves a 2.79% return, which is significantly higher than USB's -1.52% return. Over the past 10 years, UPBD has underperformed USB with an annualized return of 5.27%, while USB has yielded a comparatively higher 6.30% annualized return.

UPBD

• 1D: 0.22%
• 1M: -15.85%
• YTD: 2.79%
• 6M: -21.91%
• 1Y: -19.22%
• 3Y*: -4.64%
• 5Y*: -17.01%
• 10Y*: 5.27%

USB

• 1D: 3.28%
• 1M: -3.87%
• YTD: -1.52%
• 6M: 9.78%
• 1Y: 28.41%
• 3Y*: 18.38%
• 5Y*: 2.96%
• 10Y*: 6.30%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

UPBD vs. USB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UPBD

UPBD Risk / Return Rank: 25
UPBD Sharpe Ratio Rank: 24
UPBD Sortino Ratio Rank: 25
UPBD Omega Ratio Rank: 25
UPBD Calmar Ratio Rank: 26
UPBD Martin Ratio Rank: 25

USB

USB Risk / Return Rank: 74
USB Sharpe Ratio Rank: 77
USB Sortino Ratio Rank: 69
USB Omega Ratio Rank: 71
USB Calmar Ratio Rank: 76
USB Martin Ratio Rank: 77

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UPBD vs. USB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Upbound Group Inc. (UPBD) and U.S. Bancorp (USB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	UPBD	USB	Difference
Sharpe ratio Return per unit of total volatility	-0.37	1.07	-1.44
Sortino ratio Return per unit of downside risk	-0.21	1.52	-1.73
Omega ratio Gain probability vs. loss probability	0.97	1.22	-0.25
Calmar ratio Return relative to maximum drawdown	-0.46	1.84	-2.30
Martin ratio Return relative to average drawdown	-0.89	4.80	-5.69
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UPBD vs. USB - Sharpe Ratio Comparison

The current UPBD Sharpe Ratio is -0.37, which is lower than the USB Sharpe Ratio of 1.07. The chart below compares the historical Sharpe Ratios of UPBD and USB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	UPBD	USB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.37	1.07	-1.44
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.36	0.10	-0.46
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.11	0.21	-0.10
Sharpe Ratio (All Time) Calculated using the full available price history	0.21	0.06	+0.15

Correlation

The correlation between UPBD and USB is 0.34, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

UPBD vs. USB - Dividend Comparison

UPBD's dividend yield for the trailing twelve months is around 8.64%, more than USB's 3.96% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UPBD Upbound Group Inc.	8.64%	8.88%	5.14%	4.09%	6.03%	2.64%	3.84%	0.87%	0.00%	2.16%	2.13%	6.41%
USB U.S. Bancorp	3.96%	3.82%	4.14%	4.46%	4.31%	3.13%	3.61%	2.66%	2.93%	2.16%	2.08%	2.37%

Drawdowns

UPBD vs. USB - Drawdown Comparison

The maximum UPBD drawdown since its inception was -79.53%, smaller than the maximum USB drawdown of -92.31%. Use the drawdown chart below to compare losses from any high point for UPBD and USB.

Drawdown Indicators

	UPBD	USB	Difference
Max Drawdown Largest peak-to-trough decline	-79.53%	-92.31%	+12.78%
Max Drawdown (1Y) Largest decline over 1 year	-40.17%	-16.21%	-23.96%
Max Drawdown (5Y) Largest decline over 5 years	-71.97%	-52.13%	-19.84%
Max Drawdown (10Y) Largest decline over 10 years	-71.97%	-52.13%	-19.84%
Current Drawdown Current decline from peak	-64.78%	-13.42%	-51.36%
Average Drawdown Average peak-to-trough decline	-31.63%	-14.28%	-17.35%
Ulcer Index Depth and duration of drawdowns from previous peaks	20.77%	6.21%	+14.56%

Volatility

UPBD vs. USB - Volatility Comparison

Upbound Group Inc. (UPBD) has a higher volatility of 12.25% compared to U.S. Bancorp (USB) at 5.57%. This indicates that UPBD's price experiences larger fluctuations and is considered to be riskier than USB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UPBD	USB	Difference
Volatility (1M) Calculated over the trailing 1-month period	12.25%	5.57%	+6.68%
Volatility (6M) Calculated over the trailing 6-month period	34.48%	16.40%	+18.08%
Volatility (1Y) Calculated over the trailing 1-year period	52.45%	26.62%	+25.83%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	47.94%	29.74%	+18.20%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	49.16%	30.23%	+18.93%

Financials

UPBD vs. USB - Profitability Comparison

The chart below illustrates the profitability comparison between Upbound Group Inc. and U.S. Bancorp over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

UPBD - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Upbound Group Inc. reported a gross profit of 420.54M and revenue of 1.20B. Therefore, the gross margin over that period was 35.2%.

USB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported a gross profit of 7.34B and revenue of 10.98B. Therefore, the gross margin over that period was 66.9%.

UPBD - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Upbound Group Inc. reported an operating income of 57.25M and revenue of 1.20B, resulting in an operating margin of 4.8%.

USB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported an operating income of 2.53B and revenue of 10.98B, resulting in an operating margin of 23.1%.

UPBD - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Upbound Group Inc. reported a net income of 19.74M and revenue of 1.20B, resulting in a net margin of 1.7%.

USB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, U.S. Bancorp reported a net income of 2.05B and revenue of 10.98B, resulting in a net margin of 18.7%.