Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $2.44 billion. The enterprise value is $3.20 billion.
| Market Cap | 2.44B |
| Enterprise Value | 3.20B |
Important Dates
The next confirmed earnings date is Tuesday, August 6, 2024, after market close.
| Earnings Date | Aug 6, 2024 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 87.88 million shares outstanding. The number of shares has increased by 6.25% in one year.
| Shares Outstanding | 87.88M |
| Shares Change (YoY) | +6.25% |
| Shares Change (QoQ) | +1.68% |
| Owned by Insiders (%) | 13.11% |
| Owned by Institutions (%) | 46.23% |
| Float | 76.22M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 44.84 |
| PS Ratio | 4.54 |
| Forward PS | 4.20 |
| PB Ratio | 3.99 |
| P/FCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 5.94 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.95 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -27.80% and return on invested capital (ROIC) is -10.64%.
| Return on Equity (ROE) | -27.80% |
| Return on Assets (ROA) | -9.10% |
| Return on Capital (ROIC) | -10.64% |
| Revenue Per Employee | $387,917 |
| Profits Per Employee | -$126,424 |
| Employee Count | 1,388 |
| Asset Turnover | 0.28 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $105,000 in taxes.
| Income Tax | 105,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -52.41% in the last 52 weeks. The beta is 1.97, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 1.97 |
| 52-Week Price Change | -52.41% |
| 50-Day Moving Average | 24.87 |
| 200-Day Moving Average | 27.91 |
| Relative Strength Index (RSI) | 57.69 |
| Average Volume (20 Days) | 5,177,886 |
Short Selling Information
The latest short interest is 25.16 million, so 28.63% of the outstanding shares have been sold short.
| Short Interest | 25.16M |
| Short Previous Month | 26.01M |
| Short % of Shares Out | 28.63% |
| Short % of Float | 33.01% |
| Short Ratio (days to cover) | 5.60 |
Income Statement
In the last 12 months, UPST had revenue of $538.43 million and -$175.48 million in losses. Loss per share was -$2.05.
| Revenue | 538.43M |
| Gross Profit | 538.43M |
| Operating Income | -192.16M |
| Pretax Income | -175.37M |
| Net Income | -175.48M |
| EBITDA | -151.28M |
| EBIT | -175.37M |
| Loss Per Share | -$2.05 |
Balance Sheet
The company has $439.15 million in cash and $1.19 billion in debt, giving a net cash position of -$754.58 million or -$8.59 per share.
| Cash & Cash Equivalents | 439.15M |
| Total Debt | 1.19B |
| Net Cash | -754.58M |
| Net Cash Per Share | -$8.59 |
| Equity (Book Value) | 612.80M |
| Book Value Per Share | 6.97 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was -$32.14 million and capital expenditures -$8.38 million, giving a free cash flow of -$40.52 million.
| Operating Cash Flow | -32.14M |
| Capital Expenditures | -8.38M |
| Free Cash Flow | -40.52M |
| FCF Per Share | -$0.47 |
Margins
Gross margin is 100.00%, with operating and profit margins of -35.69% and -32.59%.
| Gross Margin | 100.00% |
| Operating Margin | -35.69% |
| Pretax Margin | -32.57% |
| Profit Margin | -32.59% |
| EBITDA Margin | -28.10% |
| EBIT Margin | -32.57% |
| FCF Margin | -7.53% |
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 | -6.25% |
| Shareholder Yield | -6.25% |
| Earnings Yield | -7.19% |
| FCF Yield | -1.66% |
Analyst Forecast
The average price target for UPST is $26.23, which is -5.61% lower than the current price. The consensus rating is "Sell".
| Price Target | $26.23 |
| Price Target Difference | -5.61% |
| Analyst Consensus | Sell |
| Analyst Count | 13 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | 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
| Altman Z-Score | n/a |
| Piotroski F-Score | 1 |