Upstart Holdings, Inc. (BMV:UPST)

Upstart Holdings Statistics

Total Valuation

BMV:UPST has a market cap or net worth of MXN 76.35 billion. The enterprise value is 101.96 billion.

Market Cap	76.35B
Enterprise Value	101.96B

Important Dates

The next estimated earnings date is Tuesday, February 10, 2026.

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

Share Statistics

Current Share Class	97.29M
Shares Outstanding	n/a
Shares Change (YoY)	+16.73%
Shares Change (QoQ)	+6.68%
Owned by Insiders (%)	12.62%
Owned by Institutions (%)	74.27%
Float	85.01M

Valuation Ratios

The trailing PE ratio is 129.24 and the forward PE ratio is 17.38.

PE Ratio	129.24
Forward PE	17.38
PS Ratio	4.17
PB Ratio	5.60
P/TBV Ratio	6.61
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 63.60, with an EV/FCF ratio of -15.13.

EV / Earnings	172.59
EV / Sales	5.81
EV / EBITDA	63.60
EV / EBIT	115.96
EV / FCF	-15.13

Financial Position

The company has a current ratio of 22.27, with a Debt / Equity ratio of 2.62.

Current Ratio	22.27
Quick Ratio	5.40
Debt / Equity	2.62
Debt / EBITDA	21.41
Debt / FCF	-5.31
Interest Coverage	1.46

Financial Efficiency

Return on equity (ROE) is 4.81% and return on invested capital (ROIC) is 2.44%.

Return on Equity (ROE)	4.81%
Return on Assets (ROA)	1.33%
Return on Invested Capital (ROIC)	2.44%
Return on Capital Employed (ROCE)	1.78%
Revenue Per Employee	15.34M
Profits Per Employee	495,224
Employee Count	1,193
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, BMV:UPST has paid 5.74 million in taxes.

Income Tax	5.74M
Effective Tax Rate	0.96%

Stock Price Statistics

The stock price has decreased by -36.62% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-36.62%
50-Day Moving Average	819.95
200-Day Moving Average	1,037.24
Relative Strength Index (RSI)	44.68
Average Volume (20 Days)	1,095

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)	4.78

Income Statement

In the last 12 months, BMV:UPST had revenue of MXN 18.30 billion and earned 590.80 million in profits. Earnings per share was 4.71.

Revenue	18.30B
Gross Profit	15.05B
Operating Income	916.72M
Pretax Income	596.54M
Net Income	590.80M
EBITDA	1.34B
EBIT	916.72M
Earnings Per Share (EPS)	4.71

Balance Sheet

The company has 9.09 billion in cash and 35.79 billion in debt, with a net cash position of -26.70 billion.

Cash & Cash Equivalents	9.09B
Total Debt	35.79B
Net Cash	-26.70B
Net Cash Per Share	n/a
Equity (Book Value)	13.64B
Book Value Per Share	140.23
Working Capital	38.96B

Cash Flow

In the last 12 months, operating cash flow was -6.74 billion and capital expenditures -3.49 million, giving a free cash flow of -6.74 billion.

Operating Cash Flow	-6.74B
Capital Expenditures	-3.49M
Free Cash Flow	-6.74B
FCF Per Share	n/a

Margins

Gross margin is 82.25%, with operating and profit margins of 5.01% and 3.23%.

Gross Margin	82.25%
Operating Margin	5.01%
Pretax Margin	3.26%
Profit Margin	3.23%
EBITDA Margin	7.32%
EBIT Margin	5.01%
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	-16.73%
Shareholder Yield	-16.73%
Earnings Yield	0.77%
FCF Yield	-8.83%

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

BMV:UPST has an Altman Z-Score of 2.68 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.68
Piotroski F-Score	5