Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
66.94
+2.26 (3.49%)
Jul 1, 2025, 1:15 PM - Market open

Upstart Holdings Statistics

Total Valuation

UPST has a market cap or net worth of $6.37 billion. The enterprise value is $7.04 billion.

Market Cap 6.37B
Enterprise Value 7.04B

Important Dates

The next estimated earnings date is Tuesday, August 5, 2025, after market close.

Earnings Date Aug 5, 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 (%) 12.67%
Owned by Institutions (%) 63.56%
Float 83.09M

Valuation Ratios

PE Ratio n/a
Forward PE 40.78
PS Ratio 7.78
Forward PS 5.67
PB Ratio 9.09
P/TBV Ratio 10.95
P/FCF Ratio 48.23
P/OCF Ratio 48.18
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales 9.28
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 54.87

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 +182.79% in the last 52 weeks. The beta is 2.29, so UPST's price volatility has been higher than the market average.

Beta (5Y) 2.29
52-Week Price Change +182.79%
50-Day Moving Average 51.69
200-Day Moving Average 56.64
Relative Strength Index (RSI) 69.48
Average Volume (20 Days) 5,831,827

Short Selling Information

The latest short interest is 21.23 million, so 22.31% of the outstanding shares have been sold short.

Short Interest 21.23M
Short Previous Month 21.12M
Short % of Shares Out 22.31%
Short % of Float 25.55%
Short Ratio (days to cover) 4.12

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 Statement

Balance 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 Sheet

Cash 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 Statement

Margins

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 -1.07%
FCF Yield 2.07%
Dividend Details

Analyst Forecast

The average price target for UPST is $67.35, which is 0.61% higher than the current price. The consensus rating is "Buy".

Price Target $67.35
Price Target Difference 0.61%
Analyst Consensus Buy
Analyst Count 14
Revenue Growth Forecast (5Y) 27.65%
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 2.41 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