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Side-by-side financial comparison of MSCI Inc. (MSCI) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
UPBOUND GROUP, INC. is the larger business by last-quarter revenue ($1.2B vs $822.5M, roughly 1.5× MSCI Inc.). MSCI Inc. runs the higher net margin — 34.6% vs 1.7%, a 33.0% gap on every dollar of revenue. On growth, UPBOUND GROUP, INC. posted the faster year-over-year revenue change (10.9% vs 10.6%). MSCI Inc. produced more free cash flow last quarter ($488.7M vs $24.0M). Over the past eight quarters, MSCI Inc.'s revenue compounded faster (10.0% CAGR vs 4.5%).
MSCI Inc. is an American finance company headquartered in New York City. MSCI is a global provider of equity, fixed income, real estate indices, multi-asset portfolio analysis tools, ESG and climate finance products. It operates the MSCI World, MSCI Emerging Markets, and MSCI All Country World (ACWI) indices, among others.
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.
MSCI vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $822.5M | $1.2B |
| Net Profit | $284.7M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 56.4% | 4.8% |
| Net Margin | 34.6% | 1.7% |
| Revenue YoY | 10.6% | 10.9% |
| Net Profit YoY | -6.8% | -36.3% |
| EPS (diluted) | $3.81 | $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 | $822.5M | $1.2B | ||
| Q3 25 | $793.4M | $1.2B | ||
| Q2 25 | $772.7M | $1.2B | ||
| Q1 25 | $745.8M | $1.2B | ||
| Q4 24 | $743.5M | $1.1B | ||
| Q3 24 | $724.7M | $1.1B | ||
| Q2 24 | $707.9M | $1.1B | ||
| Q1 24 | $680.0M | $1.1B |
| Q4 25 | $284.7M | $19.7M | ||
| Q3 25 | $325.4M | $13.2M | ||
| Q2 25 | $303.6M | $15.5M | ||
| Q1 25 | $288.6M | $24.8M | ||
| Q4 24 | $305.5M | $31.0M | ||
| Q3 24 | $280.9M | $30.9M | ||
| Q2 24 | $266.8M | $33.9M | ||
| Q1 24 | $256.0M | $27.7M |
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | — | 49.4% | ||
| Q1 24 | — | 48.3% |
| Q4 25 | 56.4% | 4.8% | ||
| Q3 25 | 56.4% | 4.5% | ||
| Q2 25 | 55.0% | 4.4% | ||
| Q1 25 | 50.6% | 5.3% | ||
| Q4 24 | 54.5% | 7.3% | ||
| Q3 24 | 55.4% | 6.6% | ||
| Q2 24 | 54.0% | 7.5% | ||
| Q1 24 | 49.9% | 5.6% |
| Q4 25 | 34.6% | 1.7% | ||
| Q3 25 | 41.0% | 1.1% | ||
| Q2 25 | 39.3% | 1.3% | ||
| Q1 25 | 38.7% | 2.1% | ||
| Q4 24 | 41.1% | 2.9% | ||
| Q3 24 | 38.8% | 2.9% | ||
| Q2 24 | 37.7% | 3.2% | ||
| Q1 24 | 37.6% | 2.5% |
| Q4 25 | $3.81 | $0.35 | ||
| Q3 25 | $4.25 | $0.22 | ||
| Q2 25 | $3.92 | $0.26 | ||
| Q1 25 | $3.71 | $0.42 | ||
| Q4 24 | $3.89 | $0.55 | ||
| Q3 24 | $3.57 | $0.55 | ||
| Q2 24 | $3.37 | $0.61 | ||
| Q1 24 | $3.22 | $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 | $515.3M | $120.5M |
| Total DebtLower is stronger | $6.2B | — |
| Stockholders' EquityBook value | $-2.7B | $695.7M |
| Total Assets | $5.7B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $515.3M | $120.5M | ||
| Q3 25 | $400.1M | $107.0M | ||
| Q2 25 | $347.3M | $106.8M | ||
| Q1 25 | $360.7M | $107.3M | ||
| Q4 24 | $409.4M | $60.9M | ||
| Q3 24 | $501.0M | $85.1M | ||
| Q2 24 | $451.4M | $82.5M | ||
| Q1 24 | $519.3M | $84.8M |
| Q4 25 | $6.2B | — | ||
| Q3 25 | $5.5B | — | ||
| Q2 25 | $4.5B | — | ||
| Q1 25 | $4.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.5B | — | ||
| Q2 24 | $4.5B | — | ||
| Q1 24 | $4.5B | — |
| Q4 25 | $-2.7B | $695.7M | ||
| Q3 25 | $-1.9B | $687.3M | ||
| Q2 25 | $-886.2M | $685.5M | ||
| Q1 25 | $-958.6M | $679.2M | ||
| Q4 24 | $-940.0M | $629.0M | ||
| Q3 24 | $-751.0M | $611.8M | ||
| Q2 24 | $-734.5M | $596.3M | ||
| Q1 24 | $-650.5M | $578.3M |
| Q4 25 | $5.7B | $3.3B | ||
| Q3 25 | $5.4B | $3.2B | ||
| Q2 25 | $5.4B | $3.1B | ||
| Q1 25 | $5.3B | $3.0B | ||
| Q4 24 | $5.4B | $2.6B | ||
| Q3 24 | $5.4B | $2.6B | ||
| Q2 24 | $5.5B | $2.6B | ||
| Q1 24 | $5.5B | $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 | $501.1M | $41.6M |
| Free Cash FlowOCF − Capex | $488.7M | $24.0M |
| FCF MarginFCF / Revenue | 59.4% | 2.0% |
| Capex IntensityCapex / Revenue | 1.5% | 1.5% |
| Cash ConversionOCF / Net Profit | 1.76× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $501.1M | $41.6M | ||
| Q3 25 | $449.4M | $118.4M | ||
| Q2 25 | $336.1M | $7.8M | ||
| Q1 25 | $301.7M | $137.7M | ||
| Q4 24 | $430.6M | $-61.9M | ||
| Q3 24 | $421.6M | $106.2M | ||
| Q2 24 | $349.2M | $15.0M | ||
| Q1 24 | $300.1M | $45.4M |
| Q4 25 | $488.7M | $24.0M | ||
| Q3 25 | $445.5M | $97.9M | ||
| Q2 25 | $324.7M | $-10.4M | ||
| Q1 25 | $290.2M | $127.2M | ||
| Q4 24 | $416.4M | $-74.0M | ||
| Q3 24 | $415.0M | $88.3M | ||
| Q2 24 | $340.6M | $613.0K | ||
| Q1 24 | $295.9M | $33.6M |
| Q4 25 | 59.4% | 2.0% | ||
| Q3 25 | 56.2% | 8.4% | ||
| Q2 25 | 42.0% | -0.9% | ||
| Q1 25 | 38.9% | 10.8% | ||
| Q4 24 | 56.0% | -6.9% | ||
| Q3 24 | 57.3% | 8.3% | ||
| Q2 24 | 48.1% | 0.1% | ||
| Q1 24 | 43.5% | 3.1% |
| Q4 25 | 1.5% | 1.5% | ||
| Q3 25 | 0.5% | 1.8% | ||
| Q2 25 | 1.5% | 1.6% | ||
| Q1 25 | 1.5% | 0.9% | ||
| Q4 24 | 1.9% | 1.1% | ||
| Q3 24 | 0.9% | 1.7% | ||
| Q2 24 | 1.2% | 1.3% | ||
| Q1 24 | 0.6% | 1.1% |
| Q4 25 | 1.76× | 2.11× | ||
| Q3 25 | 1.38× | 8.96× | ||
| Q2 25 | 1.11× | 0.50× | ||
| Q1 25 | 1.05× | 5.56× | ||
| Q4 24 | 1.41× | -2.00× | ||
| Q3 24 | 1.50× | 3.44× | ||
| Q2 24 | 1.31× | 0.44× | ||
| Q1 24 | 1.17× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MSCI
| Recurring Subscriptions | $246.4M | 30% |
| Asset Based Fees | $211.7M | 26% |
| Analytics Segment | $182.3M | 22% |
| Sustainability And Climate Segment | $90.3M | 11% |
| Other | $70.9M | 9% |
| Non Recurring | $21.1M | 3% |
UPBD
Segment breakdown not available.
