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Side-by-side financial comparison of UPBOUND GROUP, INC. (UPBD) and MARRIOTT VACATIONS WORLDWIDE Corp (VAC). Click either name above to swap in a different company.
MARRIOTT VACATIONS WORLDWIDE Corp is the larger business by last-quarter revenue ($1.2B vs $1.2B, roughly 1.0× UPBOUND GROUP, INC.). UPBOUND GROUP, INC. runs the higher net margin — 1.7% vs -35.0%, a 36.7% gap on every dollar of revenue. On growth, UPBOUND GROUP, INC. posted the faster year-over-year revenue change (10.9% vs -0.7%). UPBOUND GROUP, INC. produced more free cash flow last quarter ($24.0M vs $-6.0M). Over the past eight quarters, MARRIOTT VACATIONS WORLDWIDE Corp's revenue compounded faster (5.2% CAGR vs 4.5%).
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.
Marriott Vacations Worldwide Corporation is a pure-play public timeshare company. Formerly a division of Marriott International, Marriott Vacations Worldwide was established as a separate, publicly traded entity focusing primarily on vacation ownership in November 2011. Marriott Vacations Worldwide runs more than 120 resorts with over 700,000 Owners and members in a diverse portfolio of brands under The Marriott Vacation Clubs name. Its brands include Marriott Vacation Club, The Marriott Vaca...
UPBD vs VAC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.2B | $1.2B |
| Net Profit | $19.7M | $-431.0M |
| Gross Margin | 49.0% | — |
| Operating Margin | 4.8% | — |
| Net Margin | 1.7% | -35.0% |
| Revenue YoY | 10.9% | -0.7% |
| Net Profit YoY | -36.3% | -962.0% |
| EPS (diluted) | $0.35 | $-12.00 |
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 | $1.2B | $1.2B | ||
| Q3 25 | $1.2B | $1.2B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.1B | $1.2B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.1B |
| Q4 25 | $19.7M | $-431.0M | ||
| Q3 25 | $13.2M | $-2.0M | ||
| Q2 25 | $15.5M | $69.0M | ||
| Q1 25 | $24.8M | $56.0M | ||
| Q4 24 | $31.0M | $50.0M | ||
| Q3 24 | $30.9M | $84.0M | ||
| Q2 24 | $33.9M | $37.0M | ||
| Q1 24 | $27.7M | $47.0M |
| 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 | 4.8% | — | ||
| Q3 25 | 4.5% | — | ||
| Q2 25 | 4.4% | — | ||
| Q1 25 | 5.3% | — | ||
| Q4 24 | 7.3% | — | ||
| Q3 24 | 6.6% | — | ||
| Q2 24 | 7.5% | — | ||
| Q1 24 | 5.6% | — |
| Q4 25 | 1.7% | -35.0% | ||
| Q3 25 | 1.1% | -0.2% | ||
| Q2 25 | 1.3% | 6.0% | ||
| Q1 25 | 2.1% | 5.0% | ||
| Q4 24 | 2.9% | 4.0% | ||
| Q3 24 | 2.9% | 6.9% | ||
| Q2 24 | 3.2% | 3.5% | ||
| Q1 24 | 2.5% | 4.2% |
| Q4 25 | $0.35 | $-12.00 | ||
| Q3 25 | $0.22 | $-0.07 | ||
| Q2 25 | $0.26 | $1.77 | ||
| Q1 25 | $0.42 | $1.46 | ||
| Q4 24 | $0.55 | $1.29 | ||
| Q3 24 | $0.55 | $2.12 | ||
| Q2 24 | $0.61 | $0.98 | ||
| Q1 24 | $0.50 | $1.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $120.5M | $406.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $695.7M | $2.0B |
| Total Assets | $3.3B | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $120.5M | $406.0M | ||
| Q3 25 | $107.0M | $474.0M | ||
| Q2 25 | $106.8M | $205.0M | ||
| Q1 25 | $107.3M | $196.0M | ||
| Q4 24 | $60.9M | $197.0M | ||
| Q3 24 | $85.1M | $197.0M | ||
| Q2 24 | $82.5M | $206.0M | ||
| Q1 24 | $84.8M | $237.0M |
| Q4 25 | $695.7M | $2.0B | ||
| Q3 25 | $687.3M | $2.5B | ||
| Q2 25 | $685.5M | $2.5B | ||
| Q1 25 | $679.2M | $2.4B | ||
| Q4 24 | $629.0M | $2.4B | ||
| Q3 24 | $611.8M | $2.4B | ||
| Q2 24 | $596.3M | $2.4B | ||
| Q1 24 | $578.3M | $2.4B |
| Q4 25 | $3.3B | $9.8B | ||
| Q3 25 | $3.2B | $10.1B | ||
| Q2 25 | $3.1B | $9.9B | ||
| Q1 25 | $3.0B | $9.9B | ||
| Q4 24 | $2.6B | $9.8B | ||
| Q3 24 | $2.6B | $9.7B | ||
| Q2 24 | $2.6B | $9.6B | ||
| Q1 24 | $2.6B | $9.9B |
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 | $41.6M | $6.0M |
| Free Cash FlowOCF − Capex | $24.0M | $-6.0M |
| FCF MarginFCF / Revenue | 2.0% | -0.5% |
| Capex IntensityCapex / Revenue | 1.5% | 1.0% |
| Cash ConversionOCF / Net Profit | 2.11× | — |
| TTM Free Cash FlowTrailing 4 quarters | $238.7M | $-29.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $41.6M | $6.0M | ||
| Q3 25 | $118.4M | $62.0M | ||
| Q2 25 | $7.8M | $-48.0M | ||
| Q1 25 | $137.7M | $8.0M | ||
| Q4 24 | $-61.9M | $100.0M | ||
| Q3 24 | $106.2M | $72.0M | ||
| Q2 24 | $15.0M | $30.0M | ||
| Q1 24 | $45.4M | $3.0M |
| Q4 25 | $24.0M | $-6.0M | ||
| Q3 25 | $97.9M | $51.0M | ||
| Q2 25 | $-10.4M | $-68.0M | ||
| Q1 25 | $127.2M | $-6.0M | ||
| Q4 24 | $-74.0M | $86.0M | ||
| Q3 24 | $88.3M | $58.0M | ||
| Q2 24 | $613.0K | $17.0M | ||
| Q1 24 | $33.6M | $-13.0M |
| Q4 25 | 2.0% | -0.5% | ||
| Q3 25 | 8.4% | 4.3% | ||
| Q2 25 | -0.9% | -5.9% | ||
| Q1 25 | 10.8% | -0.5% | ||
| Q4 24 | -6.9% | 6.9% | ||
| Q3 24 | 8.3% | 4.8% | ||
| Q2 24 | 0.1% | 1.6% | ||
| Q1 24 | 3.1% | -1.2% |
| Q4 25 | 1.5% | 1.0% | ||
| Q3 25 | 1.8% | 0.9% | ||
| Q2 25 | 1.6% | 1.7% | ||
| Q1 25 | 0.9% | 1.3% | ||
| Q4 24 | 1.1% | 1.1% | ||
| Q3 24 | 1.7% | 1.1% | ||
| Q2 24 | 1.3% | 1.2% | ||
| Q1 24 | 1.1% | 1.4% |
| Q4 25 | 2.11× | — | ||
| Q3 25 | 8.96× | — | ||
| Q2 25 | 0.50× | -0.70× | ||
| Q1 25 | 5.56× | 0.14× | ||
| Q4 24 | -2.00× | 2.00× | ||
| Q3 24 | 3.44× | 0.86× | ||
| Q2 24 | 0.44× | 0.81× | ||
| Q1 24 | 1.64× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
UPBD
Segment breakdown not available.
VAC
| Cost Reimbursement | $467.0M | 38% |
| Time Share | $381.0M | 31% |
| Management And Exchange | $212.0M | 17% |
| Ancillary Revenues | $64.0M | 5% |
| Management Service | $55.0M | 4% |
| Service Other | $36.0M | 3% |
