Upstart Holdings Ratios and Metrics

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 9, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	19,710	34,740	16,864	5,722	69,090	15,334
Market Cap Growth	-45.47%	106.00%	194.70%	-91.72%	350.56%	-
Enterprise Value	27,280	38,381	20,425	7,490	67,307	16,502
Last Close Price	10.16	21.11	10.88	3.55	-	-
PE Ratio	114.82	-	-	-	91.55	-
PS Ratio	3.71	8.30	6.34	1.27	14.56	12.23
PB Ratio	4.97	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	5.87	10.68	6.61	1.93	17.55	10.04
P/FCF Ratio	-	30.28	-	-	77.54	205.88
P/OCF Ratio	-	30.15	-	-	73.66	188.11
EV/Sales Ratio	5.26	9.17	7.68	1.66	14.18	13.16
EV/EBITDA Ratio	57.56	-	-	-	78.99	143.98
EV/EBIT Ratio	104.97	-	-	-	83.09	160.55
EV/FCF Ratio	-13.93	33.45	-	-	75.54	221.55
Debt / Equity Ratio	2.62	2.43	1.96	1.62	0.99	0.27
Debt / EBITDA Ratio	21.41	-	-	-	4.90	2.86
Debt / FCF Ratio	-	8.30	-	-	4.98	5.72
Asset Turnover	0.42	0.31	0.28	0.45	0.74	0.56
Quick Ratio	5.40	6.21	5.49	6.44	9.38	5.21
Current Ratio	22.27	13.90	22.19	21.90	13.81	8.50
Return on Equity (ROE)	4.81%	-20.27%	-36.73%	-14.69%	24.46%	2.78%
Return on Assets (ROA)	1.32%	-3.78%	-7.01%	-3.43%	7.91%	2.84%
Return on Invested Capital (ROIC)	2.44%	-9.22%	-15.64%	-10.55%	38.89%	8.84%
Return on Capital Employed (ROCE)	1.80%	-5.90%	-11.40%	-5.50%	8.50%	4.60%
Earnings Yield	0.87%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	-9.93%	3.30%	-3.26%	-61.59%	1.29%	0.49%
Buyback Yield / Dilution	-16.73%	-6.79%	-1.20%	12.66%	-441.13%	-22.17%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.