Upstart Holdings Ratios and Metrics

Market cap in millions MXN. Fiscal year is January - December.

Millions MXN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	44,446	76,592	117,042	58,755	21,114	254,209
Market Cap Growth	-72.42%	-34.56%	99.20%	178.28%	-91.69%	332.66%
Enterprise Value	65,766	102,800	129,308	71,164	27,636	247,648
Last Close Price	468.00	791.00	1320.00	694.00	249.00	3158.03
PE Ratio	46.06	79.37	-	-	-	91.55
PS Ratio	2.30	3.96	8.30	6.34	1.27	14.56
PB Ratio	3.09	5.33	8.87	5.47	1.61	15.36
P/TBV Ratio	3.60	6.21	10.68	6.61	1.93	17.55
P/FCF Ratio	-	-	30.28	-	-	77.54
P/OCF Ratio	-	-	30.15	-	-	73.66
EV/Sales Ratio	3.55	5.31	9.17	7.68	1.66	14.18
EV/EBITDA Ratio	32.62	57.60	-	-	-	78.99
EV/EBIT Ratio	51.45	76.86	-	-	-	83.09
EV/FCF Ratio	-24.67	-	33.45	-	-	75.54
Debt / Equity Ratio	2.38	2.38	2.43	1.96	1.62	0.99
Debt / EBITDA Ratio	16.19	16.19	-	-	-	4.90
Debt / FCF Ratio	-	-	8.30	-	-	4.98
Net Debt / Equity Ratio	1.55	1.55	1.18	1.36	0.99	-0.24
Net Debt / EBITDA Ratio	12.50	12.50	-6.65	-4.38	-7.43	-1.25
Net Debt / FCF Ratio	-8.37	-8.37	4.01	-7.60	-1.00	-1.19
Asset Turnover	0.40	0.40	0.31	0.28	0.45	0.74
Quick Ratio	4.14	4.14	7.00	5.49	6.44	9.38
Current Ratio	13.10	13.10	15.68	22.19	21.90	13.81
Return on Equity (ROE)	7.49%	7.49%	-20.27%	-36.73%	-14.69%	24.46%
Return on Assets (ROA)	1.74%	1.74%	-3.78%	-7.01%	-3.43%	7.91%
Return on Invested Capital (ROIC)	3.46%	4.29%	-9.22%	-15.64%	-10.55%	38.89%
Return on Capital Employed (ROCE)	2.60%	2.60%	-5.90%	-11.40%	-5.50%	8.50%
Earnings Yield	2.17%	1.26%	-2.29%	-6.91%	-10.04%	1.09%
FCF Yield	-6.00%	-3.48%	3.30%	-3.26%	-61.59%	1.29%
Buyback Yield / Dilution	-20.17%	-20.17%	-6.79%	-1.20%	12.66%	-441.13%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.