Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $6.73 billion. The enterprise value is $7.47 billion.
Important Dates
The last earnings date was Tuesday, February 11, 2025, after market close.
| Earnings Date | Feb 11, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 93.71 million shares outstanding. The number of shares has increased by 6.79% in one year.
| Current Share Class | 93.71M |
| Shares Outstanding | 93.71M |
| Shares Change (YoY) | +6.79% |
| Shares Change (QoQ) | +2.28% |
| Owned by Insiders (%) | 12.64% |
| Owned by Institutions (%) | 60.27% |
| Float | 81.87M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 51.69 |
| PS Ratio | 9.48 |
| Forward PS | 6.85 |
| PB Ratio | 10.59 |
| P/TBV Ratio | 12.79 |
| P/FCF Ratio | 36.26 |
| P/OCF Ratio | 36.10 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 11.03 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 40.27 |
Financial Position
The company has a current ratio of 14.31, with a Debt / Equity ratio of 2.43.
| Current Ratio | 14.31 |
| Quick Ratio | 6.21 |
| Debt / Equity | 2.43 |
| Debt / EBITDA | n/a |
| Debt / FCF | 8.30 |
| Interest Coverage | -3.03 |
Financial Efficiency
Return on equity (ROE) is -20.27% and return on invested capital (ROIC) is -4.08%.
| Return on Equity (ROE) | -20.27% |
| Return on Assets (ROA) | -3.78% |
| Return on Invested Capital (ROIC) | -4.08% |
| Return on Capital Employed (ROCE) | -5.94% |
| Revenue Per Employee | $567,444 |
| Profits Per Employee | -$107,780 |
| Employee Count | 1,193 |
| Asset Turnover | 0.31 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $185,000 in taxes.
| Income Tax | 185,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +181.01% in the last 52 weeks. The beta is 2.26, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.26 |
| 52-Week Price Change | +181.01% |
| 50-Day Moving Average | 69.47 |
| 200-Day Moving Average | 46.75 |
| Relative Strength Index (RSI) | 49.41 |
| Average Volume (20 Days) | 7,553,597 |
Short Selling Information
The latest short interest is 17.92 million, so 19.13% of the outstanding shares have been sold short.
| Short Interest | 17.92M |
| Short Previous Month | 19.32M |
| Short % of Shares Out | 19.13% |
| Short % of Float | 21.89% |
| Short Ratio (days to cover) | 4.44 |
Income Statement
In the last 12 months, UPST had revenue of $676.96 million and -$128.58 million in losses. Loss per share was -$1.44.
| Revenue | 676.96M |
| Gross Profit | 518.97M |
| Operating Income | -132.42M |
| Pretax Income | -201.68M |
| Net Income | -128.58M |
| EBITDA | -111.87M |
| EBIT | -132.42M |
| Loss Per Share | -$1.44 |
Full Income StatementBalance Sheet
The company has $795.47 million in cash and $1.54 billion in debt, giving a net cash position of -$744.30 million or -$7.94 per share.
| Cash & Cash Equivalents | 795.47M |
| Total Debt | 1.54B |
| Net Cash | -744.30M |
| Net Cash Per Share | -$7.94 |
| Equity (Book Value) | 633.22M |
| Book Value Per Share | 6.77 |
| Working Capital | 1.81B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $186.33 million and capital expenditures -$837,000, giving a free cash flow of $185.49 million.
| Operating Cash Flow | 186.33M |
| Capital Expenditures | -837,000 |
| Free Cash Flow | 185.49M |
| FCF Per Share | $1.98 |
Full Cash Flow StatementMargins
Gross margin is 76.66%, with operating and profit margins of -19.56% and -18.99%.
| Gross Margin | 76.66% |
| Operating Margin | -19.56% |
| Pretax Margin | -18.97% |
| Profit Margin | -18.99% |
| EBITDA Margin | -16.53% |
| EBIT Margin | -19.56% |
| FCF Margin | 27.40% |
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 | -6.79% |
| Shareholder Yield | -6.79% |
| Earnings Yield | -1.91% |
| FCF Yield | 2.76% |
Dividend DetailsAnalyst Forecast
The average price target for UPST is $72.25, which is 0.67% higher than the current price. The consensus rating is "Buy".
| Price Target | $72.25 |
| Price Target Difference | 0.67% |
| Analyst Consensus | Buy |
| Analyst Count | 14 |
| Revenue Growth Forecast (5Y) | 27.48% |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock 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 1.93 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.93 |
| Piotroski F-Score | 4 |