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Side-by-side financial comparison of EPAM Systems (EPAM) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
EPAM Systems is the larger business by last-quarter revenue ($1.4B vs $1.2B, roughly 1.2× UPBOUND GROUP, INC.). EPAM Systems runs the higher net margin — 7.8% vs 1.7%, a 6.1% gap on every dollar of revenue. On growth, EPAM Systems posted the faster year-over-year revenue change (12.8% vs 10.9%). EPAM Systems produced more free cash flow last quarter ($268.1M vs $24.0M). Over the past eight quarters, EPAM Systems's revenue compounded faster (9.9% CAGR vs 4.5%).
EPAM Systems, Inc. is an American company that specializes in software engineering services, digital platform engineering, and digital product design, operating out of Newtown, Pennsylvania. EPAM is a founding member of the MACH Alliance.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
EPAM vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.2B |
| Net Profit | $109.4M | $19.7M |
| Gross Margin | 30.1% | 49.0% |
| Operating Margin | 10.6% | 4.8% |
| Net Margin | 7.8% | 1.7% |
| Revenue YoY | 12.8% | 10.9% |
| Net Profit YoY | 5.9% | -36.3% |
| EPS (diluted) | $1.97 | $0.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.4B | $1.2B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
| Q4 25 | $109.4M | $19.7M | ||
| Q3 25 | $106.8M | $13.2M | ||
| Q2 25 | $88.0M | $15.5M | ||
| Q1 25 | $73.5M | $24.8M | ||
| Q4 24 | $103.3M | $31.0M | ||
| Q3 24 | $136.3M | $30.9M | ||
| Q2 24 | $98.6M | $33.9M | ||
| Q1 24 | $116.2M | $27.7M |
| Q4 25 | 30.1% | 49.0% | ||
| Q3 25 | 29.5% | 48.3% | ||
| Q2 25 | 28.8% | 49.4% | ||
| Q1 25 | 26.9% | 46.8% | ||
| Q4 24 | 30.4% | 47.1% | ||
| Q3 24 | 34.6% | 47.8% | ||
| Q2 24 | 29.3% | 49.4% | ||
| Q1 24 | 28.4% | 48.3% |
| Q4 25 | 10.6% | 4.8% | ||
| Q3 25 | 10.4% | 4.5% | ||
| Q2 25 | 9.3% | 4.4% | ||
| Q1 25 | 7.6% | 5.3% | ||
| Q4 24 | 10.9% | 7.3% | ||
| Q3 24 | 15.2% | 6.6% | ||
| Q2 24 | 10.5% | 7.5% | ||
| Q1 24 | 9.5% | 5.6% |
| Q4 25 | 7.8% | 1.7% | ||
| Q3 25 | 7.7% | 1.1% | ||
| Q2 25 | 6.5% | 1.3% | ||
| Q1 25 | 5.6% | 2.1% | ||
| Q4 24 | 8.3% | 2.9% | ||
| Q3 24 | 11.7% | 2.9% | ||
| Q2 24 | 8.6% | 3.2% | ||
| Q1 24 | 10.0% | 2.5% |
| Q4 25 | $1.97 | $0.35 | ||
| Q3 25 | $1.91 | $0.22 | ||
| Q2 25 | $1.56 | $0.26 | ||
| Q1 25 | $1.28 | $0.42 | ||
| Q4 24 | $1.80 | $0.55 | ||
| Q3 24 | $2.37 | $0.55 | ||
| Q2 24 | $1.70 | $0.61 | ||
| Q1 24 | $1.97 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.3B | $120.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.7B | $695.7M |
| Total Assets | $4.9B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.3B | $120.5M | ||
| Q3 25 | $1.2B | $107.0M | ||
| Q2 25 | $1.0B | $106.8M | ||
| Q1 25 | $1.2B | $107.3M | ||
| Q4 24 | $1.3B | $60.9M | ||
| Q3 24 | $2.1B | $85.1M | ||
| Q2 24 | $1.8B | $82.5M | ||
| Q1 24 | $2.0B | $84.8M |
| Q4 25 | $3.7B | $695.7M | ||
| Q3 25 | $3.7B | $687.3M | ||
| Q2 25 | $3.7B | $685.5M | ||
| Q1 25 | $3.6B | $679.2M | ||
| Q4 24 | $3.6B | $629.0M | ||
| Q3 24 | $3.6B | $611.8M | ||
| Q2 24 | $3.4B | $596.3M | ||
| Q1 24 | $3.5B | $578.3M |
| Q4 25 | $4.9B | $3.3B | ||
| Q3 25 | $4.8B | $3.2B | ||
| Q2 25 | $4.7B | $3.1B | ||
| Q1 25 | $4.7B | $3.0B | ||
| Q4 24 | $4.8B | $2.6B | ||
| Q3 24 | $4.5B | $2.6B | ||
| Q2 24 | $4.2B | $2.6B | ||
| Q1 24 | $4.4B | $2.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $282.9M | $41.6M |
| Free Cash FlowOCF − Capex | $268.1M | $24.0M |
| FCF MarginFCF / Revenue | 19.0% | 2.0% |
| Capex IntensityCapex / Revenue | 1.1% | 1.5% |
| Cash ConversionOCF / Net Profit | 2.59× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | $612.7M | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $282.9M | $41.6M | ||
| Q3 25 | $294.7M | $118.4M | ||
| Q2 25 | $53.2M | $7.8M | ||
| Q1 25 | $24.2M | $137.7M | ||
| Q4 24 | $130.3M | $-61.9M | ||
| Q3 24 | $242.0M | $106.2M | ||
| Q2 24 | $57.0M | $15.0M | ||
| Q1 24 | $129.9M | $45.4M |
| Q4 25 | $268.1M | $24.0M | ||
| Q3 25 | $286.4M | $97.9M | ||
| Q2 25 | $43.4M | $-10.4M | ||
| Q1 25 | $14.8M | $127.2M | ||
| Q4 24 | $114.5M | $-74.0M | ||
| Q3 24 | $237.0M | $88.3M | ||
| Q2 24 | $52.3M | $613.0K | ||
| Q1 24 | $123.2M | $33.6M |
| Q4 25 | 19.0% | 2.0% | ||
| Q3 25 | 20.5% | 8.4% | ||
| Q2 25 | 3.2% | -0.9% | ||
| Q1 25 | 1.1% | 10.8% | ||
| Q4 24 | 9.2% | -6.9% | ||
| Q3 24 | 20.3% | 8.3% | ||
| Q2 24 | 4.6% | 0.1% | ||
| Q1 24 | 10.6% | 3.1% |
| Q4 25 | 1.1% | 1.5% | ||
| Q3 25 | 0.6% | 1.8% | ||
| Q2 25 | 0.7% | 1.6% | ||
| Q1 25 | 0.7% | 0.9% | ||
| Q4 24 | 1.3% | 1.1% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.4% | 1.3% | ||
| Q1 24 | 0.6% | 1.1% |
| Q4 25 | 2.59× | 2.11× | ||
| Q3 25 | 2.76× | 8.96× | ||
| Q2 25 | 0.60× | 0.50× | ||
| Q1 25 | 0.33× | 5.56× | ||
| Q4 24 | 1.26× | -2.00× | ||
| Q3 24 | 1.77× | 3.44× | ||
| Q2 24 | 0.58× | 0.44× | ||
| Q1 24 | 1.12× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
