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	Feb 21, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	6,726	5,617	3,475	1,082	12,400	2,953
Market Cap Growth	61.62%	61.62%	221.08%	-91.27%	319.95%	-
Enterprise Value	7,470	6,206	4,209	1,417	12,080	3,178
Last Close Price	71.77	61.57	40.86	13.22	151.30	40.75
PE Ratio	-	-	-	-	91.55	-
Forward PE	51.69	292.91	-	-	72.48	-
PS Ratio	9.48	8.30	6.34	1.27	14.56	12.23
PB Ratio	10.59	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	10.68	10.68	6.61	1.92	17.55	10.03
P/FCF Ratio	36.26	30.28	-	-	77.54	205.88
P/OCF Ratio	36.10	30.14	-	-	73.66	188.11
PEG Ratio	2.23	2.23	2.23	-	0.41	-
EV/Sales Ratio	11.03	9.17	7.67	1.66	14.18	13.16
EV/EBITDA Ratio	-	-	-	-	78.99	143.98
EV/EBIT Ratio	-	-	-	-	83.09	160.55
EV/FCF Ratio	40.27	33.45	-	-	75.54	221.55
Debt / Equity Ratio	2.43	2.43	1.96	1.62	0.99	0.27
Debt / EBITDA Ratio	-	-	-	-	4.90	2.86
Debt / FCF Ratio	8.30	8.30	-	-	4.98	5.72
Asset Turnover	0.31	0.31	0.28	0.45	0.74	0.55
Quick Ratio	6.21	6.21	5.49	6.44	9.38	5.21
Current Ratio	14.31	14.31	22.19	21.90	13.81	8.50
Return on Equity (ROE)	-20.27%	-20.27%	-36.72%	-14.69%	24.46%	2.78%
Return on Assets (ROA)	-3.78%	-3.78%	-7.01%	-3.43%	7.91%	2.84%
Return on Capital (ROIC)	-4.08%	-4.08%	-7.61%	-3.83%	9.15%	3.46%
Return on Capital Employed (ROCE)	-	-	-	-	8.48%	4.61%
Earnings Yield	-1.91%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	2.76%	3.30%	-3.26%	-61.59%	1.29%	0.49%
Buyback Yield / Dilution	-6.79%	-6.79%	-1.20%	12.66%	-441.14%	-22.17%
Total Shareholder Return	-6.79%	-6.79%	-1.20%	12.66%	-441.14%	-22.17%

Source: S&P Capital IQ. Standard template. Financial Sources.