Upstart Holdings, Inc. (UPST)

Upstart Holdings Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 17, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	4,474	5,617	3,475	1,082	12,400	2,953
Market Cap Growth	28.36%	61.62%	221.08%	-91.27%	319.95%	-
Enterprise Value	5,611	6,206	4,209	1,417	12,080	3,178
Last Close Price	46.50	61.57	40.86	13.22	151.30	40.75
PE Ratio	-	-	-	-	91.55	-
Forward PE	23.20	292.91	-	-	72.48	-
PS Ratio	4.89	8.30	6.34	1.27	14.56	12.23
PB Ratio	6.19	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	7.35	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
PEG Ratio	-	-	2.23	-	0.41	-
EV/Sales Ratio	6.34	9.17	7.68	1.66	14.18	13.16
EV/EBITDA Ratio	1017.04	-	-	-	78.99	143.98
EV/EBIT Ratio	-	-	-	-	83.09	160.55
EV/FCF Ratio	-	33.45	-	-	75.54	221.55
Debt / Equity Ratio	2.13	2.43	1.96	1.62	0.99	0.27
Debt / EBITDA Ratio	65.26	-	-	-	4.90	2.86
Debt / FCF Ratio	-	8.30	-	-	4.98	5.72
Asset Turnover	0.41	0.31	0.28	0.45	0.74	0.56
Quick Ratio	3.78	6.21	5.49	6.44	9.38	5.21
Current Ratio	15.74	13.90	22.19	21.90	13.81	8.50
Return on Equity (ROE)	-0.97%	-20.27%	-36.73%	-14.69%	24.46%	2.78%
Return on Assets (ROA)	-0.49%	-3.78%	-7.01%	-3.43%	7.91%	2.84%
Return on Capital (ROIC)	-0.53%	-4.08%	-7.61%	-3.83%	9.16%	3.46%
Return on Capital Employed (ROCE)	-	-	-	-	8.50%	4.60%
Earnings Yield	-0.14%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	-1.46%	3.30%	-3.26%	-61.59%	1.29%	0.49%
Buyback Yield / Dilution	-7.72%	-6.79%	-1.20%	12.66%	-441.13%	-22.17%

Updated Aug 5, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q