WallStSmart

Uber Technologies Inc (UBER)vsUpbound Group Inc. (UPBD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 1033% more annual revenue ($53.69B vs $4.74B). UBER leads profitability with a 15.9% profit margin vs 1.8%. UPBD appears more attractively valued with a PEG of 1.39. UPBD earns a higher WallStSmart Score of 63/100 (C+).

UBER

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 7.5Value: 4.0Quality: 5.0
Piotroski: 4/9Altman Z: 1.47

UPBD

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 8.0Quality: 5.0
Piotroski: 1/9Altman Z: 2.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UBEROvervalued (-7.2%)

Margin of Safety

-7.2%

Fair Value

$71.10

Current Price

$76.20

$5.10 premium

UndervaluedFair: $71.10Overvalued
UPBDUndervalued (+35.5%)

Margin of Safety

+35.5%

Fair Value

$30.71

Current Price

$19.84

$10.87 discount

UndervaluedFair: $30.71Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UBER3 strengths · Avg: 9.0/10
Return on EquityProfitability
34.5%10/10

Every $100 of equity generates 35 in profit

Market CapQuality
$155.11B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

UPBD3 strengths · Avg: 8.0/10
P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
45.2%8/10

Earnings expanding 45.2% YoY

Areas to Watch

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
6.182/10

Expensive relative to growth rate

EPS GrowthGrowth
-84.6%2/10

Earnings declined 84.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

UPBD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

Market CapQuality
$1.19B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.8%3/10

1.8% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, Free Cash Flow. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.

Bull Case : UPBD

The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Bear Case : UPBD

The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.41 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

UBER profiles as a mature stock while UPBD is a value play — different risk/reward profiles.

UPBD carries more volatility with a beta of 1.82 — expect wider price swings.

UBER is growing revenue faster at 14.5% — sustainability is the question.

UBER generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

UPBD scores higher overall (63/100 vs 54/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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Upbound Group Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.

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