WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 1064% more annual revenue ($55.23B vs $4.74B). UBER leads profitability with a 17.3% profit margin vs 1.9%. UPBD appears more attractively valued with a PEG of 1.39. UBER earns a higher WallStSmart Score of 64/100 (C+).

UBER

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 5.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.47

UPBD

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 8.7Quality: 4.0
Piotroski: 2/9Altman Z: 2.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UBERUndervalued (+3.5%)

Margin of Safety

+3.5%

Fair Value

$71.76

Current Price

$69.62

$2.14 discount

UndervaluedFair: $71.76Overvalued
UPBDUndervalued (+34.6%)

Margin of Safety

+34.6%

Fair Value

$30.28

Current Price

$16.09

$14.19 discount

UndervaluedFair: $30.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UBER5 strengths · Avg: 9.0/10
Return on EquityProfitability
35.1%10/10

Every $100 of equity generates 35 in profit

EPS GrowthGrowth
85.5%10/10

Earnings expanding 85.5% YoY

Market CapQuality
$141.79B9/10

Large-cap with strong market position

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.79B8/10

Generating 2.8B in free cash flow

UPBD3 strengths · Avg: 9.3/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
42.3%8/10

Earnings expanding 42.3% YoY

Areas to Watch

UBER2 concerns · Avg: 2.0/10
PEG RatioValuation
5.962/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

UPBD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Market CapQuality
$978.26M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% 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, Altman Z-Score.

Bear Case : UPBD

The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.33 is elevated, increasing financial risk. Thin 1.9% 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 1.77 — expect wider price swings.

UBER is growing revenue faster at 12.2% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (64/100 vs 63/100), backed by strong 17.3% margins and 12.2% revenue growth. UPBD offers better value entry with a 34.6% margin of safety. 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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