Symbols / UPBD Stock $19.77 +1.18% Upbound Group, Inc.

Technology • Software - Application • United States • NMS
UPBD (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Application
CEO Mr. Fahmi Karam C.P.A.
Exch · Country NMS · United States
Market Cap 1.15B
Enterprise Value 2.89B
Income 73.24M
Sales 4.70B
FCF (ttm) 1.63B
Book/sh 12.01
Cash/sh 2.07
Employees 12,050
Insider 10d
IPO Jan 25, 1995
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 124.80%
P/E 15.82
Forward P/E 4.08
PEG 1.39
P/S 0.25
P/B 1.65
P/C
EV/EBITDA 5.91
EV/Sales 0.61
Quick Ratio 0.37
Current Ratio 2.52
Debt/Eq 266.86
LT Debt/Eq
EPS (ttm) 1.25
EPS next Y 4.84
EPS Growth -38.20%
Revenue Growth 10.90%
EPS Gr Q/Q -36.30%
Rev Gr Q/Q
Earnings (next) 2026-04-30
Earnings (prior) 2026-02-19
ROA 7.46%
ROE 11.06%
ROIC
Gross Margin 48.38%
Oper. Margin 9.48%
Profit Margin 1.56%
Shs Outstand 58.35M
Shs Float 52.49M
Insider Own 7.71%
Instit Own 97.73%
Short Float 10.04%
Short Ratio 5.78
Short Interest 5.00M
52W High 28.03
vs 52W High -29.47%
52W Low 15.82
vs 52W Low 24.97%
Beta 1.86
Impl. Vol. 71.24%
Rel Volume 0.63
Avg Volume 834.96K
Volume 522.41K
Target (mean) $28.50
Tgt Median $28.00
Tgt Low $20.00
Tgt High $41.00
# Analysts 7
Recom Strong_buy
Prev Close $19.54
Price $19.77
Change 1.18%
About

Upbound Group, Inc., a technology and data-driven company, provides financial solutions in the United States, Puerto Rico, and Mexico. It operates through four segments: Acima, Rent-A-Center, Brigit, and Mexico. The company also provides furniture, including mattresses, tires, consumer electronics, appliances, tools, handbags, computers, and accessories. In addition, it offers merchandise on an installment sales basis; and the lease-to-own transaction to consumers who do not qualify for traditional financing, the lease-to-own transaction through staffed or unstaffed kiosks located in third-party retailer's locations, and other virtual options. Further, the company provides various financial health products and tools through mobile and web applications. It operates retail installment sales stores under the Get It Now and Home Choice names; lease-to-own and franchising location under the Rent-A-Centre and RimTyme trade names; and company-owned stores, franchise stores, and e-commerce platform through rentacenter.com, getitnowstores.com, and homechoicestores.com. The company was formerly known as Rent-A-Center, Inc. and changed its name to Upbound Group, Inc. in February 2023. Upbound Group, Inc. was incorporated in 1986 and is based in Plano, Texas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$19.77
Low
$20.00
High
$41.00
Mean
$28.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-08 main TD Cowen Buy → Buy $30
2025-10-31 main TD Cowen Buy → Buy $31
2025-10-31 main BTIG Buy → Buy $28
2025-09-16 reit BTIG Buy → Buy $40
2025-09-15 up Loop Capital Hold → Buy $36
2025-05-02 reit Raymond James Outperform → Outperform $35
2025-02-21 main Loop Capital Hold → Hold $30
2024-11-13 init Stephens & Co. — → Overweight $38
2024-11-01 main Loop Capital Hold → Hold $33
2024-10-01 main Jefferies Hold → Hold $35
2024-09-13 main Loop Capital Hold → Hold $36
2024-07-10 main Jefferies Hold → Hold $32
2024-06-07 init BTIG — → Buy $45
2024-03-08 init TD Cowen — → Outperform $43
2024-02-23 main Keybanc Overweight → Overweight $41
2024-01-02 up Stephens & Co. Equal-Weight → Overweight
2023-08-04 main Stephens & Co. Equal-Weight → Equal-Weight $40
2023-08-04 main Raymond James Outperform → Outperform $40
2023-08-04 main Keybanc Overweight → Overweight $39
2023-05-05 main Raymond James — → Outperform $34
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-01 KUMAR BALAJI Chief Technology Officer 14,749 $18.05 $266,219
2026-02-23 PECHERSKY BRYAN J General Counsel 21,130 $22.78 $481,341
2026-02-23 TAYLOR TRANSIENT C Officer 21,130 $22.78 $481,341
2026-02-23 KARAM FAHMI Chief Executive Officer 86,918 $22.78 $1,979,992
2026-02-23 WOOTERS REBECCA Officer 17,910 $22.78 $407,990
2026-02-23 BLASQUEZ ANTHONY J Officer 14,925 $22.78 $339,992
2026-02-23 MONTRONE RALPH TYLER Officer 15,044 $22.78 $342,702
2026-02-23 KHOURI HALIM Chief Financial Officer 20,149 $22.78 $458,994
2026-02-10 PECHERSKY BRYAN J General Counsel 6,266 $20.70 $129,706
2026-02-10 TAYLOR TRANSIENT C Officer 6,615 $20.70 $136,930
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
4,695.06
+8.67%
4,320.56
+8.22%
3,992.41
-5.96%
4,245.39
Operating Revenue
4,662.31
+8.74%
4,287.40
+8.21%
3,962.13
-6.56%
4,240.42
Cost Of Revenue
2,423.35
+8.18%
2,240.21
+13.71%
1,970.15
-9.04%
2,165.86
Reconciled Cost Of Revenue
960.53
+10.39%
870.15
+19.62%
727.42
-15.01%
855.93
Gross Profit
2,271.71
+9.20%
2,080.35
+2.87%
2,022.26
-2.75%
2,079.53
Operating Expense
2,048.36
+14.52%
1,788.72
-3.80%
1,859.39
-3.71%
1,930.99
Selling General And Administration
834.26
+1.54%
821.62
+0.78%
815.24
-0.68%
820.81
General And Administrative Expense
834.26
+1.54%
821.62
+0.78%
815.24
-0.68%
820.81
Salaries And Wages
602.30
-1.13%
609.17
-0.71%
613.54
-3.28%
634.34
Other Gand A
231.96
+9.18%
212.45
+5.33%
201.71
+8.17%
186.47
Other Operating Expenses
1,162.14
+26.84%
916.22
-7.72%
992.83
-6.08%
1,057.10
Total Expenses
4,471.71
+10.99%
4,028.93
+5.21%
3,829.55
-6.52%
4,096.85
Operating Income
223.35
-23.41%
291.63
+79.06%
162.87
+9.65%
148.54
Total Operating Income As Reported
223.35
-23.41%
291.63
+79.06%
162.87
+9.65%
148.54
EBITDA
1,735.85
+1.57%
1,709.07
+17.03%
1,460.34
-3.43%
1,512.19
Normalized EBITDA
1,735.85
+1.57%
1,709.07
+17.03%
1,460.34
-3.43%
1,512.19
Reconciled Depreciation
1,514.78
+6.60%
1,420.95
+9.81%
1,294.05
-5.06%
1,363.01
EBIT
221.07
-23.27%
288.13
+73.27%
166.28
+11.47%
149.18
Net Income
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Pretax Income
108.09
-39.12%
177.54
+235.83%
52.87
-14.00%
61.47
Net Non Operating Interest Income Expense
-115.26
-1.02%
-114.09
-3.72%
-110.00
-26.34%
-87.07
Interest Expense Non Operating
112.98
+2.17%
110.58
-2.50%
113.42
+29.31%
87.71
Net Interest Income
-115.26
-1.02%
-114.09
-3.72%
-110.00
-26.34%
-87.07
Interest Expense
112.98
+2.17%
110.58
-2.50%
113.42
+29.31%
87.71
Interest Income Non Operating
2.62
-15.52%
3.10
-9.39%
3.42
+433.54%
0.64
Interest Income
2.62
-15.52%
3.10
-9.39%
3.42
+433.54%
0.64
Tax Provision
34.85
-35.54%
54.06
-6.86%
58.05
+18.19%
49.11
Tax Rate For Calcs
0.00
+5.57%
0.00
+45.24%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Net Income From Continuing Operation Net Minority Interest
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Net Income From Continuing And Discontinued Operation
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Net Income Continuous Operations
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Normalized Income
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Net Income Common Stockholders
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Diluted EPS
1.25
-43.44%
2.21
+2555.56%
-0.09
-142.86%
0.21
Basic EPS
1.30
-42.48%
2.26
+2611.11%
-0.09
-139.13%
0.23
Basic Average Shares
56.48
+3.34%
54.65
-0.59%
54.98
+2.09%
53.85
Diluted Average Shares
58.61
+7.24%
54.65
-0.59%
54.98
-6.76%
58.97
Diluted NI Availto Com Stockholders
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Depreciation Amortization Depletion Income Statement
51.96
+2.11%
50.89
-0.85%
51.32
-3.31%
53.08
Depreciation And Amortization In Income Statement
51.96
+2.11%
50.89
-0.85%
51.32
-3.31%
53.08
Total Other Finance Cost
4.89
-25.89%
6.60
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,276.08
+23.64%
2,649.66
-2.64%
2,721.43
-1.53%
2,763.62
Current Assets
481.94
+73.97%
277.02
+5.99%
261.37
-15.43%
309.06
Cash Cash Equivalents And Short Term Investments
120.53
+98.04%
60.86
-35.05%
93.70
-34.99%
144.14
Cash And Cash Equivalents
120.53
+98.04%
60.86
-35.05%
93.70
-34.99%
144.14
Receivables
203.19
+29.89%
156.44
+40.93%
111.00
-0.77%
111.86
Accounts Receivable
203.19
+29.89%
156.44
+40.93%
111.00
-0.77%
111.86
Gross Accounts Receivable
232.85
+37.19%
169.73
+35.50%
125.26
+0.14%
125.08
Allowance For Doubtful Accounts Receivable
-29.66
-123.18%
-13.29
+6.76%
-14.25
-7.87%
-13.21
Inventory
5.21
-5.74%
5.52
-13.69%
6.40
-8.44%
6.99
Finished Goods
5.21
-5.74%
5.52
-13.69%
6.40
-8.44%
6.99
Prepaid Assets
Assets Held For Sale Current
Other Current Assets
153.01
+182.28%
54.20
+7.85%
50.26
+9.09%
46.07
Total Non Current Assets
2,793.24
+17.73%
2,372.64
-3.55%
2,460.06
+0.22%
2,454.55
Net PPE
1,899.62
+7.42%
1,768.47
-1.58%
1,796.88
+4.32%
1,722.51
Gross PPE
3,188.76
+4.70%
3,045.49
-1.20%
3,082.42
+4.03%
2,963.15
Accumulated Depreciation
-1,289.13
-0.95%
-1,277.02
+0.66%
-1,285.54
-3.62%
-1,240.64
Properties
160.63
-21.70%
205.16
-4.35%
214.50
+3.32%
207.61
Buildings And Improvements
Machinery Furniture Equipment
692.08
+19.12%
580.99
-8.41%
634.37
-0.77%
639.31
Construction In Progress
14.23
-14.82%
16.70
-52.77%
35.37
+40.78%
25.12
Other Properties
2,321.82
+3.53%
2,242.63
+2.02%
2,198.18
+5.12%
2,091.10
Goodwill And Other Intangible Assets
836.85
+53.43%
545.43
-7.73%
591.15
-8.94%
649.16
Goodwill
488.16
+68.22%
290.19
+0.15%
289.75
+0.00%
289.75
Other Intangible Assets
348.69
+36.61%
255.25
-15.31%
301.40
-16.14%
359.41
Non Current Deferred Assets
56.77
-3.35%
58.73
-18.46%
72.03
-13.10%
82.89
Non Current Deferred Taxes Assets
56.77
-3.35%
58.73
-18.46%
72.03
-13.10%
82.89
Non Current Prepaid Assets
Other Non Current Assets
46.07
Total Liabilities Net Minority Interest
2,580.34
+27.70%
2,020.68
-6.50%
2,161.06
-3.46%
2,238.47
Current Liabilities
477.67
+28.63%
371.34
-17.89%
452.25
+1.59%
445.17
Payables And Accrued Expenses
414.21
+35.19%
306.39
-19.29%
379.64
+2.27%
371.21
Payables
212.30
+25.99%
168.50
-30.42%
242.18
+8.39%
223.43
Accounts Payable
154.04
+33.39%
115.48
-34.85%
177.25
+14.02%
155.45
Dividends Payable
24.03
+12.32%
21.39
-0.46%
21.49
-21.65%
27.43
Current Accrued Expenses
201.91
+46.44%
137.89
+0.31%
137.46
-6.98%
147.78
Employee Benefits
125.04
+232.51%
37.61
-4.60%
39.42
+72.29%
22.88
Total Tax Payable
34.23
+8.20%
31.63
-27.18%
43.44
+7.12%
40.55
Income Tax Payable
0.00
-100.00%
15.77
+96.25%
8.03
Current Deferred Liabilities
63.46
-2.30%
64.95
-10.54%
72.61
-1.82%
73.95
Current Deferred Revenue
63.46
-2.30%
64.95
-10.54%
72.61
-1.82%
73.95
Total Non Current Liabilities Net Minority Interest
2,102.67
+27.49%
1,649.34
-3.48%
1,708.81
-4.71%
1,793.31
Long Term Debt And Capital Lease Obligation
1,856.68
+17.32%
1,582.60
-1.09%
1,600.06
-4.44%
1,674.41
Long Term Debt
1,569.88
+19.87%
1,309.62
+0.23%
1,306.63
-4.55%
1,368.86
Long Term Capital Lease Obligation
286.80
+5.06%
272.98
-6.97%
293.44
-3.97%
305.56
Non Current Deferred Liabilities
120.95
+315.19%
29.13
-57.98%
69.33
-27.79%
96.01
Non Current Deferred Revenue
Non Current Deferred Taxes Liabilities
108.59
+490.55%
18.39
-69.78%
60.84
-30.85%
87.99
Stockholders Equity
695.74
+10.61%
628.98
+12.24%
560.37
+6.71%
525.15
Common Stock Equity
695.74
+10.61%
628.98
+12.24%
560.37
+6.71%
525.15
Capital Stock
1.13
+1.71%
1.11
+0.73%
1.10
+1.85%
1.08
Common Stock
1.13
+1.71%
1.11
+0.73%
1.10
+1.85%
1.08
Share Issued
129.00
+2.54%
125.80
+0.30%
125.42
+0.31%
125.03
Ordinary Shares Number
57.94
+5.85%
54.74
+0.70%
54.35
-2.37%
55.67
Treasury Shares Number
71.06
+0.00%
71.06
+0.00%
71.06
+2.46%
69.35
Additional Paid In Capital
1,573.89
+5.36%
1,493.88
+2.34%
1,459.71
+12.45%
1,298.09
Retained Earnings
1,018.66
-1.69%
1,036.17
+4.15%
994.89
-7.64%
1,077.19
Gains Losses Not Affecting Retained Earnings
-6.97
+37.80%
-11.21
-156.98%
-4.36
+58.94%
-10.63
Treasury Stock
1,890.97
+0.00%
1,890.97
+0.00%
1,890.97
+2.74%
1,840.59
Other Equity Adjustments
-6.97
+37.80%
-11.21
-156.98%
-4.36
+58.94%
-10.63
Total Equity Gross Minority Interest
695.74
+10.61%
628.98
+12.24%
560.37
+6.71%
525.15
Total Capitalization
2,265.62
+16.87%
1,938.60
+3.84%
1,867.00
-1.43%
1,894.00
Working Capital
4.27
+104.53%
-94.32
+50.59%
-190.88
-40.25%
-136.10
Invested Capital
2,265.62
+16.87%
1,938.60
+3.84%
1,867.00
-1.43%
1,894.00
Total Debt
1,856.68
+17.32%
1,582.60
-1.09%
1,600.06
-4.44%
1,674.41
Net Debt
1,449.36
+16.06%
1,248.76
+2.95%
1,212.92
-0.96%
1,224.72
Capital Lease Obligations
286.80
+5.06%
272.98
-6.97%
293.44
-3.97%
305.56
Net Tangible Assets
-141.11
-268.90%
83.55
+371.47%
-30.78
+75.18%
-124.01
Tangible Book Value
-141.11
-268.90%
83.55
+371.47%
-30.78
+75.18%
-124.01
Interest Payable
25.10
+14.58%
21.91
-12.85%
25.14
+3.41%
24.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
305.57
+191.80%
104.72
-47.72%
200.29
-57.25%
468.46
Cash Flow From Continuing Operating Activities
305.57
+191.80%
104.72
-47.72%
200.29
-57.25%
468.46
Net Income From Continuing Operations
73.24
-40.68%
123.48
+2484.21%
-5.18
-141.91%
12.36
Depreciation Amortization Depletion
1,514.78
+6.60%
1,420.95
+9.81%
1,294.05
-5.06%
1,363.01
Depreciation
1,455.72
+5.90%
1,374.57
+11.21%
1,236.03
-4.71%
1,297.12
Amortization Cash Flow
59.05
+27.32%
46.38
-20.06%
58.02
-11.94%
65.89
Depreciation And Amortization
1,514.78
+6.60%
1,420.95
+9.81%
1,294.05
-5.06%
1,363.01
Amortization Of Intangibles
59.05
+27.32%
46.38
-20.06%
58.02
-11.94%
65.89
Other Non Cash Items
5.38
-46.90%
10.14
+59.07%
6.37
-0.55%
6.41
Stock Based Compensation
45.37
+25.76%
36.07
-77.75%
162.12
+1.73%
159.36
Asset Impairment Charge
75.14
+288.30%
19.35
-25.20%
25.87
+4.91%
24.66
Deferred Tax
46.67
+271.91%
-27.15
-51.29%
-17.94
+56.46%
-41.21
Deferred Income Tax
46.67
+271.91%
-27.15
-51.29%
-17.94
+56.46%
-41.21
Operating Gains Losses
0.84
+138.83%
-2.16
-479.93%
0.57
-90.66%
6.08
Gain Loss On Sale Of PPE
0.84
+138.83%
-2.16
-479.93%
0.57
-90.66%
6.08
Change In Working Capital
-1,455.84
+1.36%
-1,475.96
-16.62%
-1,265.57
-19.15%
-1,062.20
Change In Receivables
-19.45
+68.77%
-62.28
-149.04%
-25.01
-146.52%
-10.14
Change In Prepaid Assets
-96.11
-2335.58%
-3.95
+5.78%
-4.19
-124.07%
17.40
Change In Payables And Accrued Expense
100.26
+218.59%
-84.55
-340.28%
35.19
+277.59%
-19.81
Change In Accrued Expense
79.69
+449.85%
-22.78
-270.14%
13.39
+133.81%
-39.60
Change In Payable
20.57
+133.31%
-61.77
-383.35%
21.80
+10.20%
19.78
Change In Account Payable
20.57
+133.31%
-61.77
-383.35%
21.80
+10.20%
19.78
Change In Other Working Capital
6.66
+79.37%
3.71
+662.42%
0.49
+124.95%
-1.95
Change In Other Current Assets
-1,447.21
-8.90%
-1,328.90
-4.47%
-1,272.04
-21.41%
-1,047.69
Investing Cash Flow
-403.73
-872.73%
-41.51
+18.55%
-50.96
+18.25%
-62.33
Cash Flow From Continuing Investing Activities
-403.73
-872.73%
-41.51
+18.55%
-50.96
+18.25%
-62.33
Net PPE Purchase And Sale
-66.86
-18.81%
-56.27
-5.38%
-53.40
+13.01%
-61.39
Purchase Of PPE
-66.86
-18.81%
-56.27
-5.38%
-53.40
+13.01%
-61.39
Capital Expenditure
-66.86
-18.81%
-56.27
-5.38%
-53.40
+13.01%
-61.39
Net Business Purchase And Sale
-278.94
-19641.12%
-1.41
-3523.08%
-0.04
+96.08%
-0.99
Purchase Of Business
-278.94
-19641.12%
-1.41
-3523.08%
-0.04
+96.08%
-0.99
Net Other Investing Changes
-57.93
-457.94%
16.18
+551.49%
2.48
+4676.92%
0.05
Financing Cash Flow
156.47
+267.32%
-93.52
+53.73%
-202.12
+45.48%
-370.71
Cash Flow From Continuing Financing Activities
156.47
+267.32%
-93.52
+53.73%
-202.12
+45.48%
-370.71
Net Issuance Payments Of Debt
259.48
+7019.44%
-3.75
+94.53%
-68.60
+67.14%
-208.75
Issuance Of Debt
776.04
+142.51%
320.00
+357.14%
70.00
-22.22%
90.00
Repayment Of Debt
-516.56
-59.56%
-323.75
-133.58%
-138.60
+53.61%
-298.75
Long Term Debt Issuance
776.04
+142.51%
320.00
+357.14%
70.00
-22.22%
90.00
Long Term Debt Payments
-516.56
-59.56%
-323.75
-133.58%
-138.60
+53.61%
-298.75
Net Long Term Debt Issuance
259.48
+7019.44%
-3.75
+94.53%
-68.60
+67.14%
-208.75
Net Common Stock Issuance
0.00
0.00
+100.00%
-50.00
+33.38%
-75.05
Common Stock Payments
0.00
0.00
+100.00%
-50.00
+33.38%
-75.05
Common Stock Dividend Paid
-87.86
-6.76%
-82.30
+0.91%
-83.06
-4.88%
-79.19
Cash Dividends Paid
-87.86
-6.76%
-82.30
+0.91%
-83.06
-4.88%
-79.19
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-50.00
+33.38%
-75.05
Proceeds From Stock Option Exercised
0.57
-68.54%
1.80
-24.60%
2.39
+33.59%
1.79
Net Other Financing Charges
-15.71
-69.52%
-9.27
-225.16%
-2.85
+70.03%
-9.51
Changes In Cash
58.31
+292.44%
-30.30
+42.60%
-52.79
-249.06%
35.42
Effect Of Exchange Rate Changes
1.36
+153.34%
-2.54
-208.03%
2.35
+502.30%
0.39
Beginning Cash Position
60.86
-35.05%
93.70
-34.99%
144.14
+33.05%
108.33
End Cash Position
120.53
+98.04%
60.86
-35.05%
93.70
-34.99%
144.14
Free Cash Flow
238.71
+392.73%
48.45
-67.02%
146.89
-63.92%
407.07
Interest Paid Supplemental Data
105.29
-2.97%
108.51
+2.21%
106.16
+49.11%
71.19
Income Tax Paid Supplemental Data
69.83
-32.28%
103.11
+15.54%
89.24
+23.42%
72.31
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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