Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
22.18
+0.29 (1.32%)
Nov 9, 2026, 1:59 PM EST - 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 | Nov '26 Nov 9, 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 |
| 2,194 | 4,254 | 5,617 | 3,475 | 1,082 | 12,400 | |
Market Cap Growth | -45.99% | -24.26% | 61.62% | 221.08% | -91.27% | 319.95% |
Enterprise Value | 3,844 | 5,710 | 6,206 | 4,209 | 1,417 | 12,080 |
Last Close Price | 21.89 | 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 | Nov '26 Nov 9, 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 | 36.33 | 79.37 | - | - | - | 91.55 |
Forward PE | 8.12 | 19.68 | 292.91 | 267.92 | 18.38 | 72.48 |
PS Ratio | 1.59 | 3.96 | 8.30 | 6.34 | 1.27 | 14.56 |
PB Ratio | 2.44 | 5.33 | 8.87 | 5.47 | 1.61 | 15.36 |
P/TBV Ratio | 2.85 | 6.21 | 10.68 | 6.61 | 1.93 | 17.55 |
P/FCF Ratio | - | - | 30.28 | - | - | 77.54 |
P/OCF Ratio | - | - | 30.15 | - | - | 73.66 |
PEG Ratio | 0.29 | 0.21 | 2.23 | 2.23 | 3.29 | 0.41 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Nov '26 Nov 9, 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 | 2.78 | 5.31 | 9.17 | 7.68 | 1.66 | 14.18 |
EV/EBITDA Ratio | 29.27 | 57.60 | - | - | - | 78.99 |
EV/EBIT Ratio | 36.33 | 76.86 | - | - | - | 83.09 |
EV/FCF Ratio | - | - | 33.45 | - | - | 75.54 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Nov '26 Nov 9, 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 | 2.38 | 2.38 | 2.43 | 1.96 | 1.62 | 0.99 |
Debt / EBITDA Ratio | 14.33 | 16.19 | - | - | - | 4.90 |
Debt / FCF Ratio | - | - | 8.30 | - | - | 4.98 |
Net Debt / Equity Ratio | 1.86 | 1.55 | 1.18 | 1.36 | 0.99 | -0.24 |
Net Debt / EBITDA Ratio | 12.56 | 12.50 | -6.65 | -4.38 | -7.43 | -1.25 |
Net Debt / FCF Ratio | -8.83 | -8.37 | 4.01 | -7.60 | -1.00 | -1.19 |
Asset Turnover | 0.44 | 0.40 | 0.31 | 0.28 | 0.45 | 0.74 |
Quick Ratio | 3.74 | 4.14 | 7.00 | 5.49 | 6.44 | 9.38 |
Current Ratio | 16.71 | 13.10 | 15.68 | 22.19 | 21.90 | 13.81 |
Return on Equity (ROE) | 7.98% | 7.49% | -20.27% | -36.73% | -14.69% | 24.46% |
Return on Assets (ROA) | 2.12% | 1.74% | -3.78% | -7.01% | -3.43% | 7.91% |
Return on Invested Capital (ROIC) | 4.17% | 4.29% | -9.22% | -15.64% | -10.55% | 38.89% |
Return on Capital Employed (ROCE) | 3.30% | 2.60% | -5.90% | -11.40% | -5.50% | 8.50% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Nov '26 Nov 9, 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 | 2.75% | 1.26% | -2.29% | -6.91% | -10.04% | 1.09% |
FCF Yield | -8.51% | -3.48% | 3.30% | -3.26% | -61.59% | 1.29% |
Buyback Yield / Dilution | -7.74% | -20.17% | -6.79% | -1.20% | 12.66% | -441.13% |