Upstart Holdings, Inc. (UPST)

NASDAQ: UPST · Real-Time Price · USD

23.14

+0.11 (0.48%)

At close: Sep 29, 2026, 4:00 PM EDT

23.19

+0.05 (0.22%)

After-hours: Sep 29, 2026, 7:18 PM EDT

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	Sep '26 Sep 29, 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
Market Capitalization	2,252	4,254	5,617	3,475	1,082	12,400
Market Cap Growth	-59.19%	-24.26%	61.62%	221.08%	-91.27%	319.95%
Enterprise Value	3,852	5,710	6,206	4,209	1,417	12,080
Last Close Price	23.03	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	Sep '26 Sep 29, 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	44.03	79.37	-	-	-	91.55
Forward PE	7.50	19.68	292.91	267.92	18.38	72.48
PS Ratio	1.75	3.96	8.30	6.34	1.27	14.56
PB Ratio	2.81	5.33	8.87	5.47	1.61	15.36
P/TBV Ratio	3.31	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	0.19	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	Sep '26 Sep 29, 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	2.99	5.31	9.17	7.68	1.66	14.18
EV/EBITDA Ratio	33.47	57.60	-	-	-	78.99
EV/EBIT Ratio	43.04	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	Sep '26 Sep 29, 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	2.58	2.38	2.43	1.96	1.62	0.99
Debt / EBITDA Ratio	15.51	16.19	-	-	-	4.90
Debt / FCF Ratio	-	-	8.30	-	-	4.98
Net Debt / Equity Ratio	2.01	1.55	1.18	1.36	0.99	-0.24
Net Debt / EBITDA Ratio	13.90	12.50	-6.65	-4.38	-7.43	-1.25
Net Debt / FCF Ratio	-5.53	-8.37	4.01	-7.60	-1.00	-1.19
Asset Turnover	0.46	0.40	0.31	0.28	0.45	0.74
Quick Ratio	2.39	4.14	7.00	5.49	6.44	9.38
Current Ratio	10.46	13.10	15.68	22.19	21.90	13.81
Return on Equity (ROE)	7.94%	7.49%	-20.27%	-36.73%	-14.69%	24.46%
Return on Assets (ROA)	1.98%	1.74%	-3.78%	-7.01%	-3.43%	7.91%
Return on Invested Capital (ROIC)	3.78%	4.29%	-9.22%	-15.64%	-10.55%	38.89%
Return on Capital Employed (ROCE)	3.00%	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	Sep '26 Sep 29, 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	2.68%	1.26%	-2.29%	-6.91%	-10.04%	1.09%
FCF Yield	-12.84%	-3.48%	3.30%	-3.26%	-61.59%	1.29%
Buyback Yield / Dilution	-14.59%	-20.17%	-6.79%	-1.20%	12.66%	-441.13%

SEC Filings: 10-K · 10-Q