Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $4.38 billion. The enterprise value is $5.55 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 97.29 million shares outstanding. The number of shares has increased by 16.73% in one year.
| Current Share Class | 97.29M |
| Shares Outstanding | 97.29M |
| Shares Change (YoY) | +16.73% |
| Shares Change (QoQ) | +6.68% |
| Owned by Insiders (%) | 12.63% |
| Owned by Institutions (%) | 73.37% |
| Float | 85.00M |
Valuation Ratios
The trailing PE ratio is 175.46 and the forward PE ratio is 20.25.
| PE Ratio | 175.46 |
| Forward PE | 20.25 |
| PS Ratio | 3.99 |
| Forward PS | 3.32 |
| PB Ratio | 5.50 |
| P/TBV Ratio | 6.50 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 172.23 |
| EV / Sales | 5.56 |
| EV / EBITDA | 75.94 |
| EV / EBIT | 111.00 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 22.27, with a Debt / Equity ratio of 2.62.
| Current Ratio | 22.27 |
| Quick Ratio | 5.40 |
| Debt / Equity | 2.62 |
| Debt / EBITDA | 21.41 |
| Debt / FCF | n/a |
| Interest Coverage | 1.46 |
Financial Efficiency
Return on equity (ROE) is 4.81% and return on invested capital (ROIC) is 1.44%.
| Return on Equity (ROE) | 4.81% |
| Return on Assets (ROA) | 1.33% |
| Return on Invested Capital (ROIC) | 1.44% |
| Return on Capital Employed (ROCE) | 1.78% |
| Revenue Per Employee | $836,335 |
| Profits Per Employee | $26,999 |
| Employee Count | 1,193 |
| Asset Turnover | 0.42 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $313,000 in taxes.
| Income Tax | 313,000 |
| Effective Tax Rate | 0.96% |
Stock Price Statistics
The stock price has decreased by -43.10% in the last 52 weeks. The beta is 2.27, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.27 |
| 52-Week Price Change | -43.10% |
| 50-Day Moving Average | 47.84 |
| 200-Day Moving Average | 56.86 |
| Relative Strength Index (RSI) | 54.02 |
| Average Volume (20 Days) | 7,134,019 |
Short Selling Information
The latest short interest is 25.24 million, so 25.94% of the outstanding shares have been sold short.
| Short Interest | 25.24M |
| Short Previous Month | 29.59M |
| Short % of Shares Out | 25.94% |
| Short % of Float | 29.69% |
| Short Ratio (days to cover) | 3.45 |
Income Statement
In the last 12 months, UPST had revenue of $997.75 million and earned $32.21 million in profits. Earnings per share was $0.26.
| Revenue | 997.75M |
| Gross Profit | 820.61M |
| Operating Income | 49.98M |
| Pretax Income | 32.52M |
| Net Income | 32.21M |
| EBITDA | 73.05M |
| EBIT | 49.98M |
| Earnings Per Share (EPS) | $0.26 |
Full Income StatementBalance Sheet
The company has $495.71 million in cash and $1.95 billion in debt, giving a net cash position of -$1.46 billion or -$14.96 per share.
| Cash & Cash Equivalents | 495.71M |
| Total Debt | 1.95B |
| Net Cash | -1.46B |
| Net Cash Per Share | -$14.96 |
| Equity (Book Value) | 743.72M |
| Book Value Per Share | 7.65 |
| Working Capital | 2.12B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$367.20 million and capital expenditures -$190,000, giving a free cash flow of -$367.39 million.
| Operating Cash Flow | -367.20M |
| Capital Expenditures | -190,000 |
| Free Cash Flow | -367.39M |
| FCF Per Share | -$3.78 |
Full Cash Flow StatementMargins
Gross margin is 82.25%, with operating and profit margins of 5.01% and 3.23%.
| Gross Margin | 82.25% |
| Operating Margin | 5.01% |
| Pretax Margin | 3.26% |
| Profit Margin | 3.23% |
| EBITDA Margin | 7.32% |
| EBIT Margin | 5.01% |
| FCF Margin | n/a |
Dividends & Yields
UPST does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -16.73% |
| Shareholder Yield | -16.73% |
| Earnings Yield | 0.79% |
| FCF Yield | -8.98% |
Dividend DetailsAnalyst Forecast
The average price target for UPST is $63.42, which is 40.90% higher than the current price. The consensus rating is "Buy".
| Price Target | $63.42 |
| Price Target Difference | 40.90% |
| Analyst Consensus | Buy |
| Analyst Count | 14 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
UPST has an Altman Z-Score of 2.68 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.68 |
| Piotroski F-Score | 5 |
