Upstart Holdings Statistics

Total Valuation

BCBA:UPST has a market cap or net worth of ARS 3.64 trillion. The enterprise value is 5.39 trillion.

Market Cap	3.64T
Enterprise Value	5.39T

Important Dates

The next estimated earnings date is Tuesday, May 5, 2026.

Earnings Date	May 5, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	+20.17%
Shares Change (QoQ)	+2.28%
Owned by Insiders (%)	12.96%
Owned by Institutions (%)	70.47%
Float	77.56M

Valuation Ratios

The trailing PE ratio is 46.85 and the forward PE ratio is 10.04.

PE Ratio	46.85
Forward PE	10.04
PS Ratio	2.34
PB Ratio	3.14
P/TBV Ratio	3.67
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 32.62, with an EV/FCF ratio of -25.10.

EV / Earnings	69.33
EV / Sales	3.55
EV / EBITDA	32.62
EV / EBIT	51.45
EV / FCF	-25.10

Financial Position

The company has a current ratio of 13.10, with a Debt / Equity ratio of 2.37.

Current Ratio	13.10
Quick Ratio	4.14
Debt / Equity	2.37
Debt / EBITDA	16.19
Debt / FCF	-12.81
Interest Coverage	2.35

Financial Efficiency

Return on equity (ROE) is 7.49% and return on invested capital (ROIC) is 3.46%.

Return on Equity (ROE)	7.49%
Return on Assets (ROA)	1.74%
Return on Invested Capital (ROIC)	3.46%
Return on Capital Employed (ROCE)	2.65%
Weighted Average Cost of Capital (WACC)	10.61%
Revenue Per Employee	1.11B
Profits Per Employee	55.37M
Employee Count	1,405
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, BCBA:UPST has paid 1.06 billion in taxes.

Income Tax	1.06B
Effective Tax Rate	1.34%

Stock Price Statistics

The stock price has decreased by -47.10% in the last 52 weeks. The beta is 2.39, so BCBA:UPST's price volatility has been higher than the market average.

Beta (5Y)	2.39
52-Week Price Change	-47.10%
50-Day Moving Average	12,651.90
200-Day Moving Average	14,953.58
Relative Strength Index (RSI)	28.40
Average Volume (20 Days)	48,911

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	4.79

Income Statement

In the last 12 months, BCBA:UPST had revenue of ARS 1.56 trillion and earned 77.80 billion in profits. Earnings per share was 657.83.

Revenue	1.56T
Gross Profit	1.29T
Operating Income	107.83B
Pretax Income	78.85B
Net Income	77.80B
EBITDA	143.88B
EBIT	107.83B
Earnings Per Share (EPS)	657.83

Balance Sheet

The company has 954.54 billion in cash and 2.75 trillion in debt, with a net cash position of -1,798.53 billion.

Cash & Cash Equivalents	954.54B
Total Debt	2.75T
Net Cash	-1,798.53B
Net Cash Per Share	n/a
Equity (Book Value)	1.16T
Book Value Per Share	11,826.59
Working Capital	2.99T

Cash Flow

In the last 12 months, operating cash flow was -214.41 billion and capital expenditures -503.64 million, giving a free cash flow of -214.91 billion.

Operating Cash Flow	-214.41B
Capital Expenditures	-503.64M
Free Cash Flow	-214.91B
FCF Per Share	n/a

Margins

Gross margin is 82.49%, with operating and profit margins of 6.91% and 4.98%.

Gross Margin	82.49%
Operating Margin	6.91%
Pretax Margin	5.05%
Profit Margin	4.98%
EBITDA Margin	9.22%
EBIT Margin	6.91%
FCF Margin	n/a

Dividends & Yields

BCBA: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	-20.17%
Shareholder Yield	-20.17%
Earnings Yield	2.13%
FCF Yield	-5.90%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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

BCBA:UPST has an Altman Z-Score of 2.6 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.6
Piotroski F-Score	4