Upstart Holdings, Inc. (FRA:855)

Upstart Holdings Statistics

Total Valuation

FRA:855 has a market cap or net worth of EUR 3.70 billion. The enterprise value is 4.96 billion.

Market Cap	3.70B
Enterprise Value	4.96B

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	97.29M
Shares Outstanding	n/a
Shares Change (YoY)	+16.73%
Shares Change (QoQ)	+6.68%
Owned by Insiders (%)	12.63%
Owned by Institutions (%)	73.51%
Float	85.00M

Valuation Ratios

The trailing PE ratio is 134.92 and the forward PE ratio is 17.17.

PE Ratio	134.92
Forward PE	17.17
PS Ratio	4.36
PB Ratio	5.84
P/TBV Ratio	6.90
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 63.22, with an EV/FCF ratio of -15.83.

EV / Earnings	180.54
EV / Sales	5.77
EV / EBITDA	63.22
EV / EBIT	115.28
EV / FCF	-15.83

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	712,809
Profits Per Employee	23,011
Employee Count	1,193
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:855 has paid 266,770 in taxes.

Income Tax	266,770
Effective Tax Rate	0.96%

Stock Price Statistics

The stock price has decreased by -49.27% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-49.27%
50-Day Moving Average	40.75
200-Day Moving Average	49.30
Relative Strength Index (RSI)	51.94
Average Volume (20 Days)	295

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)	3.50

Income Statement

In the last 12 months, FRA:855 had revenue of EUR 850.38 million and earned 27.45 million in profits. Earnings per share was 0.22.

Revenue	850.38M
Gross Profit	699.41M
Operating Income	42.60M
Pretax Income	27.72M
Net Income	27.45M
EBITDA	62.26M
EBIT	42.60M
Earnings Per Share (EPS)	0.22

Balance Sheet

The company has 422.49 million in cash and 1.66 billion in debt, giving a net cash position of -1.24 billion.

Cash & Cash Equivalents	422.49M
Total Debt	1.66B
Net Cash	-1.24B
Net Cash Per Share	n/a
Equity (Book Value)	633.87M
Book Value Per Share	6.52
Working Capital	1.81B

Cash Flow

In the last 12 months, operating cash flow was -312.97 million and capital expenditures -161,937, giving a free cash flow of -313.13 million.

Operating Cash Flow	-312.97M
Capital Expenditures	-161,937
Free Cash Flow	-313.13M
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

FRA:855 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	0.74%
FCF Yield	-8.45%

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

FRA:855 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