Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
25.65
+1.43 (5.90%)
At close: Mar 31, 2026, 4:00 PM EDT
26.14
+0.49 (1.91%)
Pre-market: Apr 1, 2026, 7:09 AM EDT
Upstart Holdings Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | Current | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
| 2,433 | 4,287 | 4,942 | 6,215 | 4,376 | 5,755 | 3,641 | 2,101 | 2,361 | 3,527 | 2,427 | 3,001 | 1,313 | 1,074 | 1,701 | 2,599 | 9,237 | 12,658 | 25,802 | 9,696 | |
Market Cap Growth | -44.40% | -25.51% | 35.73% | 195.75% | 85.34% | 63.15% | 50.04% | -29.98% | 79.89% | 228.36% | 42.63% | 15.49% | -85.79% | -91.51% | -93.41% | -73.20% | -3.01% | 323.68% | - | - |
Enterprise Value | 3,673 | 5,485 | 6,348 | 7,292 | 5,158 | 6,419 | 4,136 | 2,696 | 3,125 | 4,262 | 3,007 | 3,585 | 2,026 | 1,739 | 2,036 | 2,765 | 9,349 | 12,467 | 25,482 | 9,213 |
Last Close Price | 25.65 | 43.73 | 50.80 | 64.68 | 46.03 | 61.57 | 40.01 | 23.59 | 26.89 | 40.86 | 28.54 | 35.81 | 15.89 | 13.22 | 20.79 | 31.62 | 109.09 | 151.30 | 316.44 | 124.90 |
PE Ratio | 56.59 | 104.12 | 230.91 | -808.50 | -61.37 | -42.17 | -20.73 | -10.08 | -13.05 | -14.09 | -9.30 | -10.92 | -4.82 | -9.58 | -207.90 | 35.53 | 66.52 | 107.30 | - | - |
Forward PE | 11.31 | 19.68 | 25.43 | 39.42 | 33.13 | 292.91 | - | - | - | - | 98.14 | 232.38 | - | - | 33.89 | 17.40 | 47.75 | 72.48 | 252.71 | 208.20 |
PEG Ratio | 0.28 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | 2.23 | - | - | - | 0.86 | 0.77 | 0.41 | 1.50 | 1.07 |
PS Ratio | 2.26 | 4.11 | 5.11 | 7.30 | 6.06 | 9.04 | 6.53 | 3.96 | 4.39 | 6.87 | 4.67 | 5.53 | 2.07 | 1.28 | 1.70 | 2.43 | 8.90 | 14.92 | 40.93 | 20.75 |
PB Ratio | 3.15 | 5.37 | 6.64 | 8.61 | 6.47 | 9.09 | 6.11 | 3.53 | 3.85 | 5.55 | 3.79 | 4.70 | 2.09 | 1.60 | 2.37 | 3.43 | 10.54 | 15.68 | 35.88 | 13.54 |
P/TBV Ratio | 3.36 | 6.14 | 7.50 | 9.21 | 6.41 | 8.96 | 6.06 | 3.51 | 3.82 | 5.50 | 3.76 | 4.67 | 2.08 | 1.62 | 2.36 | 3.50 | 11.88 | 18.52 | 42.27 | 16.54 |
P/FCF Ratio | - | -28.95 | -13.45 | -94.94 | 36.45 | 32.48 | 25.59 | -14.52 | -49.51 | -20.97 | -9.14 | -11.52 | -2.73 | -1.60 | -3.84 | -8.66 | -61.04 | 79.15 | 106.19 | 44.13 |
P/OCF Ratio | - | -29.02 | -13.46 | -95.28 | 36.40 | 32.32 | 25.39 | -14.63 | -50.68 | -21.17 | -9.44 | -11.97 | -2.81 | -1.63 | -3.93 | -9.02 | -65.27 | 75.19 | 104.04 | 43.65 |
EV/Sales Ratio | 3.41 | 5.25 | 6.57 | 8.56 | 7.14 | 10.08 | 7.41 | 5.08 | 5.80 | 8.30 | 5.78 | 6.60 | 3.19 | 2.06 | 2.03 | 2.58 | 9.01 | 14.69 | 40.42 | 19.71 |
EV/EBITDA Ratio | 37.05 | 81.30 | 151.02 | -264.92 | -58.24 | -42.14 | -21.70 | -14.20 | -18.60 | -18.40 | -12.12 | -13.60 | -7.69 | -17.33 | 116.56 | 26.94 | 55.11 | 84.00 | 264.09 | 117.37 |
EV/EBIT Ratio | 49.43 | 128.66 | 334.78 | -146.25 | -46.94 | -37.13 | -19.18 | -12.58 | -16.26 | -16.61 | -11.24 | -12.72 | -7.22 | -15.27 | 403.18 | 30.14 | 58.38 | 88.49 | 280.46 | 123.72 |
EV/FCF Ratio | - | -37.04 | -17.28 | -111.38 | 42.96 | 36.22 | 29.07 | -18.62 | -65.53 | -25.34 | -11.33 | -13.76 | -4.22 | -2.59 | -4.59 | -9.22 | -61.78 | 77.95 | 104.87 | 41.94 |
Debt / Equity Ratio | 2.32 | 2.32 | 2.55 | 2.04 | 2.04 | 2.29 | 1.58 | 1.63 | 1.74 | 1.74 | 1.71 | 1.61 | 1.75 | 1.62 | 1.42 | 1.26 | 0.99 | 0.99 | 1.00 | 0.03 |
Debt / EBITDA Ratio | 27.43 | 72.90 | 63.64 | 141.77 | 725.81 | -28479.33 | -23.66 | -19.13 | -17.22 | -28.72 | -28.19 | -35.51 | -8.77 | -19.82 | -18.73 | -33.26 | 23.11 | 12.64 | 23.43 | 0.62 |
Debt / FCF Ratio | -12.50 | 17.07 | -15.45 | -12.24 | -102.47 | -13.09 | 5.25 | 14.85 | 24.39 | -7.56 | -10.17 | 6.33 | -14.31 | -4.47 | -9.90 | -16.61 | -3.24 | -54.45 | 17.75 | 0.26 |
Net Debt / Equity Ratio | 1.50 | 1.50 | 1.89 | 1.49 | 1.16 | 1.05 | 0.83 | 1.00 | 1.25 | 1.16 | 0.91 | 0.91 | 1.14 | 0.99 | 0.47 | 0.22 | 0.13 | -0.24 | -0.44 | -0.67 |
Net Debt / EBITDA Ratio | 17.76 | 47.20 | 47.20 | 103.65 | 410.80 | -13020.08 | -12.46 | -11.73 | -12.36 | -19.12 | -14.91 | -20.17 | -5.69 | -12.12 | -6.15 | -5.77 | 2.96 | -3.03 | -10.40 | -12.60 |
Net Debt / FCF Ratio | -8.09 | 11.05 | -11.46 | -8.95 | -58.00 | -5.99 | 2.76 | 9.11 | 17.50 | -5.03 | -5.38 | 3.59 | -9.28 | -2.73 | -3.25 | -2.88 | -0.41 | 13.06 | -7.87 | -5.30 |
Asset Turnover | 0.11 | 0.11 | 0.12 | 0.12 | 0.10 | 0.10 | 0.09 | 0.07 | 0.07 | 0.07 | 0.07 | 0.09 | 0.06 | 0.08 | 0.09 | 0.21 | 0.33 | 0.27 | 0.25 | 0.43 |
Quick Ratio | 2.00 | 2.00 | 1.85 | 1.40 | 2.52 | 2.80 | 1.63 | 1.46 | 1.20 | 1.32 | 1.95 | 4.50 | 4.09 | 2.39 | 3.83 | 3.88 | 3.13 | 4.53 | 6.29 | 3.07 |
Current Ratio | 3.25 | 3.25 | 3.16 | 2.47 | 3.53 | 3.47 | 2.40 | 2.19 | 1.76 | 1.68 | 2.33 | 5.17 | 4.78 | 3.02 | 4.65 | 4.49 | 4.19 | 5.47 | 7.07 | 3.75 |
Return on Equity (ROE) | 2.60% | 2.60% | 4.75% | 0.85% | -0.38% | -0.43% | -1.09% | -8.84% | -10.42% | -6.48% | -5.93% | -4.04% | -17.19% | -7.47% | -7.82% | -4.06% | 5.46% | 10.65% | 8.67% | 10.41% |
Return on Assets (ROA) | 0.69% | 0.69% | 1.00% | 0.21% | -0.22% | -0.23% | -2.39% | -3.10% | -3.60% | -2.41% | -2.24% | -2.18% | -8.21% | -3.09% | -3.30% | -2.92% | 3.71% | 5.23% | 3.33% | 8.24% |
Return on Invested Capital (ROIC) | 1.02% | 1.02% | 1.33% | 0.27% | -0.29% | -0.33% | -3.39% | -4.21% | -4.58% | -3.18% | -3.41% | -3.99% | -13.80% | -5.39% | -7.13% | -8.98% | 9.80% | 13.34% | 10.36% | 24.01% |
Return on Capital Employed (ROCE) | 0.80% | 0.80% | 1.13% | 0.24% | -0.24% | -0.25% | -2.76% | -3.44% | -3.96% | -2.72% | -2.52% | -2.42% | -9.17% | -3.48% | -3.66% | -3.51% | 4.56% | 6.09% | 3.69% | 9.81% |
Earnings Yield | 2.20% | 0.96% | 0.43% | -0.12% | -1.63% | -2.37% | -4.82% | -9.92% | -7.66% | -7.10% | -10.76% | -9.16% | -20.77% | -10.44% | -0.48% | 2.81% | 1.50% | 0.93% | 0.00% | 0.00% |
FCF Yield | -6.09% | -3.45% | -7.43% | -1.05% | 2.74% | 3.08% | 3.91% | -6.89% | -2.02% | -4.77% | -10.94% | -8.68% | -36.60% | -62.55% | -26.07% | -11.54% | -1.64% | 1.26% | 0.94% | 2.27% |
Buyback Yield / Dilution | -20.17% | -21.75% | -21.75% | -16.30% | -8.32% | -7.72% | -6.77% | -6.38% | -6.25% | -4.06% | -3.35% | 0.84% | 14.19% | 16.77% | 14.98% | 11.57% | -4.38% | -279.09% | -259.15% | -546.79% |
Total Shareholder Return | -20.17% | -21.75% | -21.75% | -16.30% | -8.32% | -7.72% | -6.77% | -6.38% | -6.25% | -4.06% | -3.35% | 0.84% | 14.19% | 16.77% | 14.98% | 11.57% | -4.38% | -279.09% | -259.15% | -546.79% |
Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.