Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $4.44 billion. The enterprise value is $5.29 billion.
Important Dates
The last earnings date was Tuesday, May 6, 2025, after market close.
| Earnings Date | May 6, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 95.14 million shares outstanding. The number of shares has increased by 7.31% in one year.
| Current Share Class | 95.14M |
| Shares Outstanding | 95.14M |
| Shares Change (YoY) | +7.31% |
| Shares Change (QoQ) | +2.28% |
| Owned by Insiders (%) | 12.55% |
| Owned by Institutions (%) | 62.82% |
| Float | 83.20M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 28.93 |
| PS Ratio | 5.61 |
| Forward PS | 4.07 |
| PB Ratio | 6.55 |
| P/TBV Ratio | 7.85 |
| P/FCF Ratio | 34.57 |
| P/OCF Ratio | 34.53 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 6.97 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 41.21 |
Financial Position
The company has a current ratio of 22.32, with a Debt / Equity ratio of 2.15.
| Current Ratio | 22.32 |
| Quick Ratio | 7.91 |
| Debt / Equity | 2.15 |
| Debt / EBITDA | n/a |
| Debt / FCF | 11.36 |
| Interest Coverage | -1.83 |
Financial Efficiency
Return on equity (ROE) is -10.30% and return on invested capital (ROIC) is -2.32%.
| Return on Equity (ROE) | -10.30% |
| Return on Assets (ROA) | -2.16% |
| Return on Invested Capital (ROIC) | -2.32% |
| Return on Capital Employed (ROCE) | -3.30% |
| Revenue Per Employee | $636,080 |
| Profits Per Employee | -$55,683 |
| Employee Count | 1,193 |
| Asset Turnover | 0.36 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $200,000 in taxes.
| Income Tax | 200,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +83.55% in the last 52 weeks. The beta is 2.39, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.39 |
| 52-Week Price Change | +83.55% |
| 50-Day Moving Average | 46.51 |
| 200-Day Moving Average | 54.11 |
| Relative Strength Index (RSI) | 47.34 |
| Average Volume (20 Days) | 7,829,210 |
Short Selling Information
The latest short interest is 23.40 million, so 24.59% of the outstanding shares have been sold short.
| Short Interest | 23.40M |
| Short Previous Month | 23.22M |
| Short % of Shares Out | 24.59% |
| Short % of Float | 28.12% |
| Short Ratio (days to cover) | 3.65 |
Income Statement
In the last 12 months, UPST had revenue of $758.84 million and -$66.43 million in losses. Loss per share was -$0.74.
| Revenue | 758.84M |
| Gross Profit | 599.76M |
| Operating Income | -73.15M |
| Pretax Income | n/a |
| Net Income | -66.43M |
| EBITDA | -51.83M |
| EBIT | -73.15M |
| Loss Per Share | -$0.74 |
Full Income StatementBalance Sheet
The company has $606.49 million in cash and $1.46 billion in debt, giving a net cash position of -$851.35 million or -$8.95 per share.
| Cash & Cash Equivalents | 606.49M |
| Total Debt | 1.46B |
| Net Cash | -851.35M |
| Net Cash Per Share | -$8.95 |
| Equity (Book Value) | 676.64M |
| Book Value Per Share | 7.12 |
| Working Capital | 1.75B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $128.51 million and capital expenditures -$153,000, giving a free cash flow of $128.36 million.
| Operating Cash Flow | 128.51M |
| Capital Expenditures | -153,000 |
| Free Cash Flow | 128.36M |
| FCF Per Share | $1.35 |
Full Cash Flow StatementMargins
Gross margin is 79.04%, with operating and profit margins of -9.64% and -8.75%.
| Gross Margin | 79.04% |
| Operating Margin | -9.64% |
| Pretax Margin | -8.73% |
| Profit Margin | -8.75% |
| EBITDA Margin | -6.83% |
| EBIT Margin | -9.64% |
| FCF Margin | 16.91% |
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 | -7.31% |
| Shareholder Yield | -7.31% |
| Earnings Yield | -1.50% |
| FCF Yield | 2.89% |
Dividend DetailsAnalyst Forecast
The average price target for UPST is $66.71, which is 43.03% higher than the current price. The consensus rating is "Buy".
| Price Target | $66.71 |
| Price Target Difference | 43.03% |
| Analyst Consensus | Buy |
| Analyst Count | 13 |
| 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 2.41 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.41 |
| Piotroski F-Score | 4 |