Upstart Holdings Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 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	2,438	3,623	5,425	3,144	1,013	10,903
Market Cap Growth	-57.16%	-33.21%	72.55%	210.44%	-90.71%	351.69%
Enterprise Value	3,490	4,863	5,994	3,808	1,326	10,622
Last Close Price	25.46	38.52	64.37	39.28	11.90	127.36
PE Ratio	53.40	79.37	-	-	-	91.55
PS Ratio	2.66	3.96	8.30	6.34	1.27	14.56
PB Ratio	3.58	5.33	8.87	5.47	1.61	15.36
P/TBV Ratio	4.18	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	3.82	5.31	9.17	7.68	1.66	14.18
EV/EBITDA Ratio	35.08	57.60	-	-	-	78.99
EV/EBIT Ratio	55.34	76.86	-	-	-	83.09
EV/FCF Ratio	-27.67	-	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	1.87%	1.26%	-2.29%	-6.91%	-10.04%	1.09%
FCF Yield	-5.17%	-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%

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