Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $2.55 billion. The enterprise value is $3.91 billion.
Important Dates
The last earnings date was Tuesday, February 10, 2026, after market close.
| Earnings Date | Feb 10, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 94.87 million shares outstanding. The number of shares has increased by 20.17% in one year.
| Current Share Class | 94.87M |
| Shares Outstanding | 94.87M |
| Shares Change (YoY) | +20.17% |
| Shares Change (QoQ) | +2.28% |
| Owned by Insiders (%) | 12.96% |
| Owned by Institutions (%) | 69.55% |
| Float | 77.56M |
Valuation Ratios
The trailing PE ratio is 59.27 and the forward PE ratio is 12.08. UPST's PEG ratio is 0.31.
| PE Ratio | 59.27 |
| Forward PE | 12.08 |
| PS Ratio | 2.48 |
| Forward PS | 1.98 |
| PB Ratio | 3.46 |
| P/TBV Ratio | 3.90 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.31 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 72.96 |
| EV / Sales | 3.64 |
| EV / EBITDA | 39.45 |
| EV / EBIT | 52.64 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 13.10, with a Debt / Equity ratio of 2.37.
| Current Ratio | 13.10 |
| Quick Ratio | 4.14 |
| Debt / Equity | 2.37 |
| Debt / EBITDA | 16.19 |
| Debt / FCF | n/a |
| Interest Coverage | 2.35 |
Financial Efficiency
Return on equity (ROE) is 7.49% and return on invested capital (ROIC) is 3.46%.
| Return on Equity (ROE) | 7.49% |
| Return on Assets (ROA) | 1.74% |
| Return on Invested Capital (ROIC) | 3.46% |
| Return on Capital Employed (ROCE) | 2.65% |
| Weighted Average Cost of Capital (WACC) | 10.22% |
| Revenue Per Employee | $765,495 |
| Profits Per Employee | $38,150 |
| Employee Count | 1,405 |
| Asset Turnover | 0.40 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $728,000 in taxes.
| Income Tax | 728,000 |
| Effective Tax Rate | 1.34% |
Stock Price Statistics
The stock price has decreased by -41.84% in the last 52 weeks. The beta is 2.19, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.19 |
| 52-Week Price Change | -41.84% |
| 50-Day Moving Average | 38.29 |
| 200-Day Moving Average | 53.00 |
| Relative Strength Index (RSI) | 33.75 |
| Average Volume (20 Days) | 6,400,665 |
Short Selling Information
The latest short interest is 23.54 million, so 24.82% of the outstanding shares have been sold short.
| Short Interest | 23.54M |
| Short Previous Month | 22.84M |
| Short % of Shares Out | 24.82% |
| Short % of Float | 30.35% |
| Short Ratio (days to cover) | 4.68 |
Income Statement
In the last 12 months, UPST had revenue of $1.08 billion and earned $53.60 million in profits. Earnings per share was $0.45.
| Revenue | 1.08B |
| Gross Profit | 887.14M |
| Operating Income | 74.30M |
| Pretax Income | 54.33M |
| Net Income | 53.60M |
| EBITDA | 99.13M |
| EBIT | 74.30M |
| Earnings Per Share (EPS) | $0.45 |
Full Income StatementBalance Sheet
The company has $657.67 million in cash and $1.90 billion in debt, with a net cash position of -$1.24 billion or -$13.06 per share.
| Cash & Cash Equivalents | 657.67M |
| Total Debt | 1.90B |
| Net Cash | -1.24B |
| Net Cash Per Share | -$13.06 |
| Equity (Book Value) | 798.82M |
| Book Value Per Share | 8.15 |
| Working Capital | 2.06B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$147.73 million and capital expenditures -$347,000, giving a free cash flow of -$148.07 million.
| Operating Cash Flow | -147.73M |
| Capital Expenditures | -347,000 |
| Free Cash Flow | -148.07M |
| FCF Per Share | -$1.56 |
Full Cash Flow StatementMargins
Gross margin is 82.49%, with operating and profit margins of 6.91% and 4.98%.
| Gross Margin | 82.49% |
| Operating Margin | 6.91% |
| Pretax Margin | 5.05% |
| Profit Margin | 4.98% |
| EBITDA Margin | 9.22% |
| EBIT Margin | 6.91% |
| 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 | -20.17% |
| Shareholder Yield | -20.17% |
| Earnings Yield | 2.01% |
| FCF Yield | -5.54% |
Analyst Forecast
The average price target for UPST is $45.68, which is 70.00% higher than the current price. The consensus rating is "Hold".
| Price Target | $45.68 |
| Price Target Difference | 70.00% |
| Analyst Consensus | Hold |
| Analyst Count | 15 |
| Revenue Growth Forecast (5Y) | 32.94% |
| EPS Growth Forecast (5Y) | 77.00% |
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 2.6 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.6 |
| Piotroski F-Score | 4 |
