Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
26.70
-0.34 (-1.26%)
Jul 31, 2026, 11:32 AM EDT - Market open
Upstart Holdings Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 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 |
| 2,555 | 4,287 | 5,755 | 3,527 | 1,074 | 12,658 | |
Market Cap Growth | -67.36% | -25.51% | 63.15% | 228.36% | -91.51% | 323.68% |
Enterprise Value | 4,092 | 5,485 | 6,419 | 4,262 | 1,739 | 12,467 |
Last Close Price | 26.70 | 43.73 | 61.57 | 40.86 | 13.22 | 151.30 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 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 |
PE Ratio | 65.33 | 97.18 | - | - | - | 105.80 |
Forward PE | 10.43 | 19.68 | 292.91 | 267.92 | 18.38 | 72.48 |
PEG Ratio | 0.26 | 0.21 | 2.23 | 2.23 | 3.29 | 0.41 |
PS Ratio | 2.21 | 4.11 | 9.04 | 6.87 | 1.28 | 14.92 |
PB Ratio | 3.53 | 5.37 | 9.09 | 5.55 | 1.60 | 15.68 |
P/TBV Ratio | 4.23 | 6.42 | 9.73 | 6.02 | 1.81 | 19.91 |
P/FCF Ratio | - | - | 31.02 | - | - | 79.15 |
P/OCF Ratio | - | - | 30.89 | - | - | 75.19 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 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 |
EV/Sales Ratio | 3.49 | 5.25 | 10.08 | 8.30 | 2.06 | 14.69 |
EV/EBITDA Ratio | 64.03 | 81.30 | - | - | - | 84.00 |
EV/EBIT Ratio | 103.30 | 128.66 | - | - | - | 88.49 |
EV/FCF Ratio | - | - | 34.60 | - | - | 77.95 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 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 |
Debt / Equity Ratio | 2.64 | 2.32 | 2.29 | 1.74 | 1.62 | 0.99 |
Debt / EBITDA Ratio | 30.35 | 27.43 | - | - | - | 5.36 |
Debt / FCF Ratio | - | - | 7.83 | - | - | 4.98 |
Net Debt / Equity Ratio | 2.00 | 1.50 | 1.05 | 1.16 | 0.99 | -0.24 |
Net Debt / EBITDA Ratio | 22.95 | 17.76 | -4.36 | -3.17 | -6.62 | -1.29 |
Net Debt / FCF Ratio | -5.42 | -8.09 | 3.58 | -6.48 | -1.00 | -1.19 |
Asset Turnover | 0.38 | 0.39 | 0.29 | 0.26 | 0.45 | 0.74 |
Quick Ratio | 1.63 | 2.00 | 2.80 | 1.32 | 2.39 | 4.53 |
Current Ratio | 3.22 | 3.25 | 3.47 | 1.68 | 3.02 | 5.47 |
Return on Equity (ROE) | 6.45% | 7.49% | -20.27% | -36.72% | -14.69% | 24.46% |
Return on Assets (ROA) | 1.31% | 1.57% | -7.90% | -12.98% | -6.04% | 12.42% |
Return on Invested Capital (ROIC) | 1.86% | 2.55% | -12.98% | -18.96% | -11.61% | 38.16% |
Return on Capital Employed (ROCE) | 1.49% | 1.80% | -9.04% | -14.67% | -6.77% | 14.19% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 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 |
Earnings Yield | 1.91% | 1.03% | - | - | - | 0.95% |
FCF Yield | - | - | 3.22% | - | - | 1.26% |
Buyback Yield / Dilution | -18.51% | -20.17% | -6.79% | -1.20% | 12.66% | -441.14% |
Total Shareholder Return | -18.51% | -20.17% | -6.79% | -1.20% | 12.66% | -441.14% |