Upstart Holdings, Inc. (BIT:1UPST)

Upstart Holdings Statistics

Total Valuation

BIT:1UPST has a market cap or net worth of EUR 3.21 billion. The enterprise value is 4.26 billion.

Market Cap	3.21B
Enterprise Value	4.26B

Important Dates

The last earnings date was Tuesday, February 10, 2026.

Earnings Date	Feb 10, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	98.06M
Shares Outstanding	n/a
Shares Change (YoY)	+20.17%
Shares Change (QoQ)	+2.28%
Owned by Insiders (%)	12.53%
Owned by Institutions (%)	74.71%
Float	85.00M

Valuation Ratios

The trailing PE ratio is 70.32 and the forward PE ratio is 14.59.

PE Ratio	70.32
Forward PE	14.59
PS Ratio	3.50
PB Ratio	4.72
P/TBV Ratio	5.15
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 43.20, with an EV/FCF ratio of -33.75.

EV / Earnings	93.23
EV / Sales	4.71
EV / EBITDA	43.20
EV / EBIT	68.17
EV / FCF	-33.75

Financial Position

The company has a current ratio of 12.56, with a Debt / Equity ratio of 2.37.

Current Ratio	12.56
Quick Ratio	4.46
Debt / Equity	2.37
Debt / EBITDA	16.18
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)	n/a
Revenue Per Employee	767,830
Profits Per Employee	38,267
Employee Count	1,193
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, BIT:1UPST has paid 620,038 in taxes.

Income Tax	620,038
Effective Tax Rate	1.34%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	38.72
200-Day Moving Average	n/a
Relative Strength Index (RSI)	42.96
Average Volume (20 Days)	671

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)	n/a

Income Statement

In the last 12 months, BIT:1UPST had revenue of EUR 916.02 million and earned 45.65 million in profits. Earnings per share was 0.38.

Revenue	916.02M
Gross Profit	755.58M
Operating Income	63.28M
Pretax Income	46.27M
Net Income	45.65M
EBITDA	84.43M
EBIT	63.28M
Earnings Per Share (EPS)	0.38

Balance Sheet

The company has 555.64 million in cash and 1.62 billion in debt, with a net cash position of -1.06 billion.

Cash & Cash Equivalents	555.64M
Total Debt	1.62B
Net Cash	-1.06B
Net Cash Per Share	n/a
Equity (Book Value)	680.35M
Book Value Per Share	6.94
Working Capital	1.69B

Cash Flow

In the last 12 months, operating cash flow was -125.82 million and capital expenditures -295,540, giving a free cash flow of -126.11 million.

Operating Cash Flow	-125.82M
Capital Expenditures	-295,540
Free Cash Flow	-126.11M
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

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	-20.17%
Shareholder Yield	-20.17%
Earnings Yield	1.42%
FCF Yield	-3.93%

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

Altman Z-Score	n/a
Piotroski F-Score	3