Upstart Holdings, Inc. (BVMF:U2PS34)

Upstart Holdings Statistics

Total Valuation

BVMF:U2PS34 has a market cap or net worth of BRL 24.30 billion. The enterprise value is 32.01 billion.

Market Cap	24.30B
Enterprise Value	32.01B

Important Dates

The next estimated earnings date is Wednesday, February 11, 2026.

Earnings Date	Feb 11, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	+16.73%
Shares Change (QoQ)	+6.68%
Owned by Insiders (%)	12.63%
Owned by Institutions (%)	73.52%
Float	85.00M

Valuation Ratios

The trailing PE ratio is 141.53 and the forward PE ratio is 18.28.

PE Ratio	141.53
Forward PE	18.28
PS Ratio	4.57
PB Ratio	6.13
P/TBV Ratio	7.24
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 66.29, with an EV/FCF ratio of -16.35.

EV / Earnings	186.47
EV / Sales	6.05
EV / EBITDA	66.29
EV / EBIT	120.87
EV / FCF	-16.35

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 1.44%.

Return on Equity (ROE)	4.81%
Return on Assets (ROA)	1.33%
Return on Invested Capital (ROIC)	1.44%
Return on Capital Employed (ROCE)	1.78%
Revenue Per Employee	4.46M
Profits Per Employee	143,889
Employee Count	1,193
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMF:U2PS34 has paid 1.67 million in taxes.

Income Tax	1.67M
Effective Tax Rate	0.96%

Stock Price Statistics

The stock price has decreased by -48.89% in the last 52 weeks. The beta is 2.27, so BVMF:U2PS34's price volatility has been higher than the market average.

Beta (5Y)	2.27
52-Week Price Change	-48.89%
50-Day Moving Average	12.56
200-Day Moving Average	15.74
Relative Strength Index (RSI)	54.58
Average Volume (20 Days)	28,669

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)	3.56

Income Statement

In the last 12 months, BVMF:U2PS34 had revenue of BRL 5.32 billion and earned 171.66 million in profits. Earnings per share was 1.37.

Revenue	5.32B
Gross Profit	4.37B
Operating Income	266.36M
Pretax Income	173.33M
Net Income	171.66M
EBITDA	389.32M
EBIT	266.36M
Earnings Per Share (EPS)	1.37

Balance Sheet

The company has 2.64 billion in cash and 10.40 billion in debt, giving a net cash position of -7.76 billion.

Cash & Cash Equivalents	2.64B
Total Debt	10.40B
Net Cash	-7.76B
Net Cash Per Share	n/a
Equity (Book Value)	3.96B
Book Value Per Share	40.75
Working Capital	11.32B

Cash Flow

In the last 12 months, operating cash flow was -1.96 billion and capital expenditures -1.01 million, giving a free cash flow of -1.96 billion.

Operating Cash Flow	-1.96B
Capital Expenditures	-1.01M
Free Cash Flow	-1.96B
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

BVMF:U2PS34 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	0.71%
FCF Yield	-8.06%

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

BVMF:U2PS34 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