Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
38.85
+0.61 (1.60%)
At close: Feb 9, 2026, 4:00 PM EST
38.90
+0.05 (0.13%)
After-hours: Feb 9, 2026, 4:51 PM EST
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 | 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 | Q1 2021 | Q4 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Feb '26 Feb 9, 2026 | 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 | Mar '21 Mar 31, 2021 | Dec '20 Dec 31, 2020 |
| 3,780 | 4,888 | 6,154 | 4,314 | 5,617 | 3,581 | 2,073 | 2,324 | 3,475 | 2,394 | 2,960 | 1,293 | 1,082 | 1,691 | 2,681 | 9,170 | 12,400 | 24,609 | 9,605 | 9,487 | 2,953 | |
Market Cap Growth | -40.23% | 36.48% | 196.86% | 85.60% | 61.62% | 49.59% | -29.98% | 79.71% | 221.08% | 41.56% | 10.44% | -85.90% | -91.27% | -93.13% | -72.09% | -3.34% | 319.95% | - | - | - | - |
Enterprise Value | 5,235 | 6,025 | 7,005 | 5,058 | 6,206 | 4,279 | 2,966 | 3,200 | 4,209 | 2,977 | 3,673 | 1,958 | 1,417 | 1,857 | 2,792 | 8,979 | 12,080 | 24,126 | 9,409 | 9,318 | 3,178 |
Last Close Price | 38.24 | 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 | 128.86 | 40.75 |
PE Ratio | 151.45 | 151.75 | -968.67 | - | - | - | - | - | - | - | - | - | - | - | - | 58.02 | 91.55 | 321.69 | 195.54 | 1100.31 | - |
Forward PE | 17.59 | 25.43 | 39.42 | 33.13 | 292.91 | - | - | - | - | 98.14 | 232.38 | - | - | 33.89 | 17.40 | 47.75 | 72.48 | 252.71 | 208.20 | 246.64 | - |
PS Ratio | 3.63 | 4.90 | 6.96 | 5.68 | 8.30 | 5.92 | 3.60 | 4.03 | 6.34 | 4.39 | 5.27 | 1.98 | 1.27 | 1.68 | 2.49 | 8.81 | 14.56 | 38.80 | 20.33 | 31.99 | 12.23 |
PB Ratio | 5.00 | 6.57 | 8.52 | 6.38 | 8.87 | 6.01 | 3.49 | 3.79 | 5.47 | 3.74 | 4.64 | 2.06 | 1.61 | 2.35 | 3.54 | 10.46 | 15.36 | 34.22 | 13.41 | 29.59 | 9.83 |
P/TBV Ratio | 6.00 | 7.76 | 10.11 | 7.63 | 10.68 | 7.32 | 4.25 | 4.60 | 6.61 | 4.53 | 5.48 | 2.51 | 1.93 | 2.77 | 4.12 | 11.87 | 17.55 | 39.68 | 15.52 | 30.16 | 10.04 |
P/FCF Ratio | - | - | - | - | - | 23.78 | -15.19 | 320.48 | - | - | -13.64 | - | - | - | - | - | - | 101.28 | 43.72 | 65.79 | 205.88 |
P/OCF Ratio | - | - | - | - | - | 23.62 | -15.31 | 278.27 | - | - | -13.92 | - | - | - | - | - | - | 99.22 | 43.24 | 65.29 | 188.11 |
PEG Ratio | - | 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 | - | - |
EV/Sales Ratio | 5.25 | 6.04 | 7.92 | 6.67 | 9.17 | 7.07 | 5.15 | 5.55 | 7.68 | 5.46 | 6.54 | 3.00 | 1.66 | 1.84 | 2.60 | 8.63 | 14.18 | 38.03 | 19.92 | 31.42 | 13.16 |
EV/EBITDA Ratio | 71.67 | 82.47 | 1269.77 | -97.59 | -55.47 | - | - | - | - | - | - | - | - | - | - | 51.94 | 79.63 | 240.35 | 112.61 | 264.97 | 143.98 |
EV/EBIT Ratio | 104.75 | 120.55 | -416.61 | -69.15 | -46.86 | - | - | - | - | - | - | - | - | - | - | 54.96 | 83.79 | 254.64 | 118.31 | 285.95 | 160.55 |
EV/FCF Ratio | - | - | - | - | - | 28.42 | -21.73 | 441.24 | - | - | -16.92 | - | - | - | - | - | - | 99.29 | 42.83 | 64.62 | 221.55 |
Debt / Equity Ratio | 2.62 | 2.62 | 2.13 | 2.15 | 2.43 | 1.75 | 1.82 | 1.95 | 1.96 | 1.95 | 1.61 | 1.75 | 1.62 | 1.42 | 1.26 | 0.99 | 0.99 | 1.00 | 0.03 | 0.19 | 0.27 |
Debt / EBITDA Ratio | 21.41 | 11.32 | 16.93 | 27.09 | 32.42 | - | - | - | - | - | - | - | - | - | - | 5.01 | 3.02 | 5.42 | 0.14 | 0.79 | 1.49 |
Debt / FCF Ratio | - | - | - | - | - | 6.91 | -7.93 | 164.61 | - | - | -4.73 | - | - | - | - | - | - | 2.97 | 0.11 | 0.42 | 5.72 |
Asset Turnover | 0.43 | 0.44 | 0.38 | 0.43 | 0.38 | 0.30 | 0.28 | 0.31 | 0.31 | 0.31 | 0.23 | 0.32 | 0.34 | 0.47 | 0.65 | 0.71 | 0.73 | 1.12 | 1.01 | 0.89 | |
Quick Ratio | 5.40 | 5.40 | 3.78 | 7.91 | 6.21 | 5.06 | 6.03 | 4.81 | 5.49 | 8.84 | 6.51 | 6.67 | 6.44 | 9.53 | 8.31 | 7.38 | 9.38 | 13.40 | 6.07 | 5.11 | 5.21 |
Current Ratio | 22.27 | 22.27 | 15.74 | 21.33 | 13.90 | 14.15 | 20.72 | 24.54 | 22.19 | 27.22 | 19.82 | 24.82 | 21.90 | 21.37 | 16.22 | 15.74 | 13.81 | 16.88 | 8.55 | 8.14 | 8.50 |
Return on Equity (ROE) | 17.36% | 3.21% | -1.49% | -1.79% | -4.54% | -36.09% | -41.40% | -26.58% | -25.22% | -17.81% | -79.56% | -31.78% | -30.48% | -14.63% | 15.53% | 30.90% | 16.23% | 28.77% | 13.02% | 1.98% | |
Return on Assets (ROA) | 3.02% | 1.29% | 0.27% | 0.32% | -4.73% | -5.87% | -7.19% | -4.16% | -4.57% | -4.05% | -16.59% | -7.01% | -7.18% | -3.82% | 4.70% | 8.88% | 5.75% | 13.57% | 8.60% | 7.28% | |
Return on Invested Capital (ROIC) | 1.59% | 0.72% | 0.17% | 0.21% | -2.77% | -3.15% | -3.78% | -2.33% | -2.65% | -2.27% | -9.31% | -4.52% | -5.57% | -3.12% | 4.46% | 11.93% | 9.13% | 21.14% | 12.72% | 5.45% | |
Return on Capital Employed (ROCE) | 1.80% | 1.80% | -0.70% | -3.30% | -5.90% | -9.90% | -9.60% | -8.20% | -11.40% | -12.50% | -15.50% | -14.90% | -5.50% | 0.60% | 5.30% | 8.70% | 8.40% | 6.20% | 9.70% | 7.40% | 4.60% |
Earnings Yield | 0.85% | 0.66% | -0.10% | -1.54% | -2.29% | -4.70% | -9.73% | -7.55% | -6.91% | -10.57% | -9.08% | -20.93% | -10.04% | 0.33% | 3.39% | 1.72% | 1.09% | 0.32% | 0.60% | 0.15% | 0.20% |
FCF Yield | -9.72% | -7.52% | -1.06% | 2.98% | 3.30% | 4.20% | -6.58% | 0.31% | -3.26% | -9.27% | -7.33% | -38.04% | -63.15% | -26.22% | -11.19% | -1.65% | 1.29% | 0.99% | 2.29% | 1.52% | 0.49% |
Buyback Yield / Dilution | -16.73% | -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% | -279.99% | -259.15% | -546.76% | -525.28% | -80.53% |
Updated Nov 4, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.