Upstart Holdings, Inc. (BIT:1UPST)

Upstart Holdings Statistics

Total Valuation

BIT:1UPST has a market cap or net worth of EUR 3.96 billion. The enterprise value is 4.95 billion.

Market Cap	3.96B
Enterprise Value	4.95B

Important Dates

The next estimated earnings date is Tuesday, November 4, 2025.

Earnings Date	Nov 4, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	96.22M
Shares Outstanding	n/a
Shares Change (YoY)	+7.72%
Shares Change (QoQ)	+9.10%
Owned by Insiders (%)	12.59%
Owned by Institutions (%)	69.63%
Float	84.11M

Valuation Ratios

PE Ratio	n/a
Forward PE	21.35
PS Ratio	5.26
PB Ratio	6.45
P/TBV Ratio	7.65
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 242.34, with an EV/FCF ratio of -88.80.

EV / Earnings	-915.02
EV / Sales	6.45
EV / EBITDA	242.34
EV / EBIT	n/a
EV / FCF	-88.80

Financial Position

The company has a current ratio of 15.74, with a Debt / Equity ratio of 2.13.

Current Ratio	15.74
Quick Ratio	3.78
Debt / Equity	2.13
Debt / EBITDA	65.26
Debt / FCF	-23.49
Interest Coverage	-0.46

Financial Efficiency

Return on equity (ROE) is -0.96% and return on invested capital (ROIC) is -0.53%.

Return on Equity (ROE)	-0.96%
Return on Assets (ROA)	-0.49%
Return on Invested Capital (ROIC)	-0.53%
Return on Capital Employed (ROCE)	-0.71%
Revenue Per Employee	631,528
Profits Per Employee	-4,534
Employee Count	1,193
Asset Turnover	0.41
Inventory Turnover	n/a

Taxes

In the past 12 months, BIT:1UPST has paid 199,251 in taxes.

Income Tax	199,251
Effective Tax Rate	n/a

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	50.24
200-Day Moving Average	n/a
Relative Strength Index (RSI)	38.64
Average Volume (20 Days)	32

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)	3.86

Income Statement

In the last 12 months, BIT:1UPST had revenue of EUR 753.41 million and -5.41 million in losses. Loss per share was -0.06.

Revenue	753.41M
Gross Profit	611.51M
Operating Income	-14.32M
Pretax Income	-5.21M
Net Income	-5.41M
EBITDA	4.70M
EBIT	-14.32M
Loss Per Share	-0.06

Balance Sheet

The company has 341.07 million in cash and 1.31 billion in debt, giving a net cash position of -968.08 million.

Cash & Cash Equivalents	341.07M
Total Debt	1.31B
Net Cash	-968.08M
Net Cash Per Share	n/a
Equity (Book Value)	614.79M
Book Value Per Share	6.40
Working Capital	1.48B

Cash Flow

In the last 12 months, operating cash flow was -55.55 million and capital expenditures -196,697, giving a free cash flow of -55.74 million.

Operating Cash Flow	-55.55M
Capital Expenditures	-196,697
Free Cash Flow	-55.74M
FCF Per Share	n/a

Margins

Gross margin is 81.17%, with operating and profit margins of -1.90% and -0.72%.

Gross Margin	81.17%
Operating Margin	-1.90%
Pretax Margin	-0.69%
Profit Margin	-0.72%
EBITDA Margin	0.62%
EBIT Margin	-1.90%
FCF Margin	n/a

Dividends & Yields

BIT:1UPST 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	-7.72%
Shareholder Yield	-7.72%
Earnings Yield	-0.14%
FCF Yield	-1.41%

Fair Value

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

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

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

BIT:1UPST has an Altman Z-Score of 2.56 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.56
Piotroski F-Score	2