Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $6.24 billion. The enterprise value is $6.84 billion.
Important Dates
The next estimated earnings date is Tuesday, February 11, 2025, after market close.
| Earnings Date | Feb 11, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 91.23 million shares outstanding. The number of shares has increased by 6.15% in one year.
| Current Share Class | 91.23M |
| Shares Outstanding | 91.23M |
| Shares Change (YoY) | +6.15% |
| Shares Change (QoQ) | +1.90% |
| Owned by Insiders (%) | 12.80% |
| Owned by Institutions (%) | 55.31% |
| Float | 79.55M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 306.90 |
| PS Ratio | 9.93 |
| Forward PS | 7.93 |
| PB Ratio | 10.45 |
| P/TBV Ratio | 12.75 |
| P/FCF Ratio | 61.30 |
| P/OCF Ratio | 60.65 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 11.30 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 67.15 |
Financial Position
The company has a current ratio of 13.41, with a Debt / Equity ratio of 1.75.
| Current Ratio | 13.41 |
| Quick Ratio | 4.52 |
| Debt / Equity | 1.75 |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.23 |
| Interest Coverage | -3.36 |
Financial Efficiency
Return on equity (ROE) is -27.21% and return on invested capital (ROIC) is -5.97%.
| Return on Equity (ROE) | -27.21% |
| Return on Assets (ROA) | -5.53% |
| Return on Capital (ROIC) | -5.97% |
| Revenue Per Employee | $435,839 |
| Profits Per Employee | -$121,199 |
| Employee Count | 1,388 |
| Asset Turnover | 0.32 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $137,000 in taxes.
| Income Tax | 137,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +44.58% 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 | +44.58% |
| 50-Day Moving Average | 65.22 |
| 200-Day Moving Average | 38.12 |
| Relative Strength Index (RSI) | 45.54 |
| Average Volume (20 Days) | 6,786,772 |
Short Selling Information
The latest short interest is 21.57 million, so 23.65% of the outstanding shares have been sold short.
| Short Interest | 21.57M |
| Short Previous Month | 22.29M |
| Short % of Shares Out | 23.65% |
| Short % of Float | 27.12% |
| Short Ratio (days to cover) | 2.47 |
Income Statement
In the last 12 months, UPST had revenue of $604.94 million and -$168.22 million in losses. Loss per share was -$1.92.
| Revenue | 604.94M |
| Gross Profit | 451.43M |
| Operating Income | -168.54M |
| Pretax Income | -201.68M |
| Net Income | -168.22M |
| EBITDA | -143.59M |
| EBIT | -168.54M |
| Loss Per Share | -$1.92 |
Full Income StatementBalance Sheet
The company has $445.27 million in cash and $1.04 billion in debt, giving a net cash position of -$595.78 million or -$6.53 per share.
| Cash & Cash Equivalents | 445.27M |
| Total Debt | 1.04B |
| Net Cash | -595.78M |
| Net Cash Per Share | -$6.53 |
| Equity (Book Value) | 595.54M |
| Book Value Per Share | 6.54 |
| Working Capital | 1.22B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $102.88 million and capital expenditures -$1.08 million, giving a free cash flow of $101.80 million.
| Operating Cash Flow | 102.88M |
| Capital Expenditures | -1.08M |
| Free Cash Flow | 101.80M |
| FCF Per Share | $1.12 |
Full Cash Flow StatementMargins
Gross margin is 74.62%, with operating and profit margins of -27.86% and -27.81%.
| Gross Margin | 74.62% |
| Operating Margin | -27.86% |
| Pretax Margin | -27.79% |
| Profit Margin | -27.81% |
| EBITDA Margin | -23.74% |
| EBIT Margin | -27.86% |
| FCF Margin | 16.83% |
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 | -6.15% |
| Shareholder Yield | -6.15% |
| Earnings Yield | -2.70% |
| FCF Yield | 1.63% |
Dividend DetailsAnalyst Forecast
The average price target for UPST is $65.44, which is -4.33% lower than the current price. The consensus rating is "Buy".
| Price Target | $65.44 |
| Price Target Difference | -4.33% |
| Analyst Consensus | Buy |
| Analyst Count | 11 |
| Revenue Growth Forecast (5Y) | 26.66% |
| 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 1.78 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.78 |
| Piotroski F-Score | 5 |