Upstart Holdings, Inc. (BMV:UPST)

Upstart Holdings Statistics

Total Valuation

BMV:UPST has a market cap or net worth of MXN 84.87 billion. The enterprise value is 105.97 billion.

Market Cap	84.87B
Enterprise Value	105.97B

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 (%)	69.62%
Float	84.11M

Valuation Ratios

PE Ratio	n/a
Forward PE	21.35
PS Ratio	5.09
PB Ratio	6.23
P/TBV Ratio	7.39
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 -85.84.

EV / Earnings	-884.50
EV / Sales	6.45
EV / EBITDA	242.34
EV / EBIT	n/a
EV / FCF	-85.84

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	13.99M
Profits Per Employee	-100,424
Employee Count	1,193
Asset Turnover	0.41
Inventory Turnover	n/a

Taxes

In the past 12 months, BMV:UPST has paid 4.41 million in taxes.

Income Tax	4.41M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -15.55% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-15.55%
50-Day Moving Average	1,082.47
200-Day Moving Average	1,172.44
Relative Strength Index (RSI)	41.19
Average Volume (20 Days)	5,911

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)	3.87

Income Statement

In the last 12 months, BMV:UPST had revenue of MXN 16.69 billion and -119.81 million in losses. Loss per share was -1.30.

Revenue	16.69B
Gross Profit	13.54B
Operating Income	-317.10M
Pretax Income	-115.39M
Net Income	-119.81M
EBITDA	104.04M
EBIT	-317.10M
Loss Per Share	-1.30

Balance Sheet

The company has 7.55 billion in cash and 28.99 billion in debt, giving a net cash position of -21.44 billion.

Cash & Cash Equivalents	7.55B
Total Debt	28.99B
Net Cash	-21.44B
Net Cash Per Share	n/a
Equity (Book Value)	13.62B
Book Value Per Share	141.70
Working Capital	32.71B

Cash Flow

In the last 12 months, operating cash flow was -1.23 billion and capital expenditures -4.36 million, giving a free cash flow of -1.23 billion.

Operating Cash Flow	-1.23B
Capital Expenditures	-4.36M
Free Cash Flow	-1.23B
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

BMV: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	-7.72%
Shareholder Yield	-7.72%
Earnings Yield	-0.14%
FCF Yield	-1.45%

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

BMV:UPST 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