Upstart Holdings Statistics

Total Valuation

UPST has a market cap or net worth of $2.24 billion. The enterprise value is $3.00 billion.

Market Cap	2.24B
Enterprise Value	3.00B

Important Dates

The last earnings date was Tuesday, May 7, 2024, after market close.

Earnings Date	May 7, 2024
Ex-Dividend Date	n/a

Share Statistics

UPST has 87.88 million shares outstanding. The number of shares has increased by 6.25% in one year.

Shares Outstanding	87.88M
Shares Change (YoY)	+6.25%
Shares Change (QoQ)	+1.68%
Owned by Insiders (%)	13.10%
Owned by Institutions (%)	45.77%
Float	76.35M

Valuation Ratios

PE Ratio	n/a
Forward PE	44.84
PS Ratio	4.16
Forward PS	3.70
PB Ratio	3.66
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	5.56
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	1.95
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -27.80% and return on invested capital (ROIC) is -10.64%.

Return on Equity (ROE)	-27.80%
Return on Assets (ROA)	-9.10%
Return on Capital (ROIC)	-10.64%
Revenue Per Employee	$387,917
Profits Per Employee	-$126,424
Employee Count	1,388
Asset Turnover	0.28
Inventory Turnover	n/a

Taxes

In the past 12 months, UPST has paid $105,000 in taxes.

Income Tax	105,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +18.79% in the last 52 weeks. The beta is 2.01, so UPST's price volatility has been higher than the market average.

Beta (1Y)	2.01
52-Week Price Change	+18.79%
50-Day Moving Average	24.80
200-Day Moving Average	29.73
Relative Strength Index (RSI)	51.29
Average Volume (30 Days)	5,107,611

Short Selling Information

The latest short interest is 24.27 million, so 27.62% of the outstanding shares have been sold short.

Short Interest	24.27M
Short Previous Month	26.02M
Short % of Shares Out	27.62%
Short % of Float	31.79%
Short Ratio (days to cover)	6.79

Income Statement

In the last 12 months, UPST had revenue of $538.43 million and -$175.48 million in losses. Loss per share was -$2.05.

Revenue	538.43M
Gross Profit	538.43M
Operating Income	-192.16M
Pretax Income	-175.37M
Net Income	-175.48M
EBITDA	-151.28M
EBIT	-175.37M
Loss Per Share	-$2.05

Full Income Statement

Balance Sheet

The company has $439.15 million in cash and $1.19 billion in debt, giving a net cash position of -$754.58 million or -$8.59 per share.

Cash & Cash Equivalents	439.15M
Total Debt	1.19B
Net Cash	-754.58M
Net Cash Per Share	-$8.59
Equity / Book Value	612.80M
Book Value Per Share	6.97
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$32.14 million and capital expenditures -$8.38 million, giving a free cash flow of -$40.52 million.

Operating Cash Flow	-32.14M
Capital Expenditures	-8.38M
Free Cash Flow	-40.52M
FCF Per Share	-$0.47

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of -35.69% and -32.59%.

Gross Margin	100.00%
Operating Margin	-35.69%
Pretax Margin	-32.57%
Profit Margin	-32.59%
EBITDA Margin	-28.10%
EBIT Margin	-32.57%
FCF Margin	-7.53%

Dividends & Yields

UPST does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-6.25%
Shareholder Yield	-6.25%
Earnings Yield	-7.83%
FCF Yield	-1.81%

Dividend Details

Analyst Forecast

The average price target for UPST is $24.55, which is -3.38% lower than the current price. The consensus rating is "Sell".

Price Target	$24.55
Price Target Difference	-3.38%
Analyst Consensus	Sell
Analyst Count	13
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	1