Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
68.85
+5.33 (8.39%)
At close: Aug 22, 2025, 4:00 PM
69.03
+0.18 (0.26%)
After-hours: Aug 22, 2025, 4:10 PM EDT

Upstart Holdings Statistics

Total Valuation

UPST has a market cap or net worth of $6.62 billion. The enterprise value is $7.86 billion.

Market Cap6.62B
Enterprise Value 7.86B

Important Dates

The last earnings date was Tuesday, August 5, 2025, after market close.

Earnings Date Aug 5, 2025
Ex-Dividend Date n/a

Share Statistics

UPST has 96.22 million shares outstanding. The number of shares has increased by 7.72% in one year.

Current Share Class 96.22M
Shares Outstanding 96.22M
Shares Change (YoY) +7.72%
Shares Change (QoQ) +9.10%
Owned by Insiders (%) 12.53%
Owned by Institutions (%) 64.55%
Float 84.17M

Valuation Ratios

PE Ratio n/a
Forward PE 34.46
PS Ratio 6.68
Forward PS 5.56
PB Ratio 8.45
P/TBV Ratio 11.04
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio 0.19
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales 8.88
EV / EBITDA 1,424.45
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 15.74, with a Debt / Equity ratio of 2.13.

Current Ratio 15.74
Quick Ratio 3.78
Debt / Equity 2.13
Debt / EBITDA 65.26
Debt / FCF n/a
Interest Coverage -0.46

Financial Efficiency

Return on equity (ROE) is -0.96% and return on invested capital (ROIC) is -0.53%.

Return on Equity (ROE) -0.96%
Return on Assets (ROA) -0.49%
Return on Invested Capital (ROIC) -0.53%
Return on Capital Employed (ROCE) -0.71%
Revenue Per Employee $741,666
Profits Per Employee -$5,325
Employee Count1,193
Asset Turnover 0.41
Inventory Turnover n/a

Taxes

In the past 12 months, UPST has paid $234,000 in taxes.

Income Tax 234,000
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +69.07% 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 +69.07%
50-Day Moving Average 70.45
200-Day Moving Average 62.12
Relative Strength Index (RSI) 48.95
Average Volume (20 Days) 7,952,114

Short Selling Information

The latest short interest is 17.53 million, so 18.22% of the outstanding shares have been sold short.

Short Interest 17.53M
Short Previous Month 18.61M
Short % of Shares Out 18.22%
Short % of Float 20.83%
Short Ratio (days to cover) 3.10

Income Statement

In the last 12 months, UPST had revenue of $884.81 million and -$6.35 million in losses. Loss per share was -$0.07.

Revenue884.81M
Gross Profit 718.16M
Operating Income -16.82M
Pretax Income n/a
Net Income -6.35M
EBITDA 5.52M
EBIT -16.82M
Loss Per Share -$0.07
Full Income Statement

Balance Sheet

The company has $400.56 million in cash and $1.54 billion in debt, giving a net cash position of -$1.14 billion or -$11.82 per share.

Cash & Cash Equivalents 400.56M
Total Debt 1.54B
Net Cash -1.14B
Net Cash Per Share -$11.82
Equity (Book Value) 722.01M
Book Value Per Share 7.51
Working Capital 1.73B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$65.23 million and capital expenditures -$231,000, giving a free cash flow of -$65.46 million.

Operating Cash Flow -65.23M
Capital Expenditures -231,000
Free Cash Flow -65.46M
FCF Per Share -$0.68
Full Cash Flow Statement

Margins

Gross margin is 81.17%, with operating and profit margins of -1.90% and -0.72%.

Gross Margin 81.17%
Operating Margin -1.90%
Pretax Margin -0.69%
Profit Margin -0.72%
EBITDA Margin 0.62%
EBIT Margin -1.90%
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 -7.72%
Shareholder Yield -7.72%
Earnings Yield -0.09%
FCF Yield -0.97%
Dividend Details

Analyst Forecast

The average price target for UPST is $74.04, which is 7.54% higher than the current price. The consensus rating is "Buy".

Price Target $74.04
Price Target Difference 7.54%
Analyst Consensus Buy
Analyst Count 15
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number n/a
Graham Upside n/a

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 2.56 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 2.56
Piotroski F-Score 2