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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 30, 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	3,214	5,425	3,144	1,013	10,903	2,414
Market Cap Growth	-42.16%	72.55%	210.44%	-90.71%	351.69%	-
Enterprise Value	4,439	5,994	3,808	1,326	10,622	2,598
Last Close Price	33.87	64.37	39.28	11.90	127.36	-
PE Ratio	117.08	-	-	-	91.55	-
PS Ratio	3.78	8.30	6.34	1.27	14.56	12.23
PB Ratio	5.07	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	5.99	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	5.29	9.17	7.68	1.66	14.18	13.16
EV/EBITDA Ratio	57.87	-	-	-	78.99	143.98
EV/EBIT Ratio	105.53	-	-	-	83.09	160.55
EV/FCF Ratio	-14.18	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	0.85%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	-9.74%	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.