Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $2.19 billion. The enterprise value is $3.84 billion.
| Market Cap | 2.19B |
| Enterprise Value | 3.84B |
Important Dates
The last earnings date was Tuesday, November 3, 2026, before market open.
| Earnings Date | Nov 3, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 98.91 million shares outstanding. The number of shares has increased by 7.74% in one year.
| Current Share Class | 98.91M |
| Shares Outstanding | 98.91M |
| Shares Change (YoY) | +7.74% |
| Shares Change (QoQ) | +14.30% |
| Owned by Insiders (%) | 13.80% |
| Owned by Institutions (%) | 62.93% |
| Float | 85.26M |
Valuation Ratios
The trailing PE ratio is 36.33 and the forward PE ratio is 8.12. UPST's PEG ratio is 0.29.
| PE Ratio | 36.33 |
| Forward PE | 8.12 |
| PS Ratio | 1.59 |
| Forward PS | 1.35 |
| PB Ratio | 2.44 |
| P/TBV Ratio | 2.85 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.29 |
Enterprise Valuation
| EV / Earnings | 59.09 |
| EV / Sales | 2.78 |
| EV / EBITDA | 29.27 |
| EV / EBIT | 36.33 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 16.71, with a Debt / Equity ratio of 2.38.
| Current Ratio | 16.71 |
| Quick Ratio | 3.74 |
| Debt / Equity | 2.38 |
| Debt / EBITDA | 14.33 |
| Debt / FCF | n/a |
| Interest Coverage | 2.41 |
Financial Efficiency
Return on equity (ROE) is 7.98% and return on invested capital (ROIC) is 4.17%.
| Return on Equity (ROE) | 7.98% |
| Return on Assets (ROA) | 2.12% |
| Return on Invested Capital (ROIC) | 4.17% |
| Return on Capital Employed (ROCE) | 3.31% |
| Weighted Average Cost of Capital (WACC) | 9.98% |
| Revenue Per Employee | $984,621 |
| Profits Per Employee | $46,340 |
| Employee Count | 1,405 |
| Asset Turnover | 0.44 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $1.89 million in taxes.
| Income Tax | 1.89M |
| Effective Tax Rate | 2.82% |
Stock Price Statistics
The stock price has decreased by -42.63% in the last 52 weeks. The beta is 2.43, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.43 |
| 52-Week Price Change | -42.63% |
| 50-Day Moving Average | 24.36 |
| 200-Day Moving Average | 29.15 |
| Relative Strength Index (RSI) | 43.27 |
| Average Volume (20 Days) | 4,740,503 |
Short Selling Information
The latest short interest is 26.89 million, so 27.18% of the outstanding shares have been sold short.
| Short Interest | 26.89M |
| Short Previous Month | 28.57M |
| Short % of Shares Out | 27.18% |
| Short % of Float | 31.53% |
| Short Ratio (days to cover) | 6.12 |
Income Statement
In the last 12 months, UPST had revenue of $1.38 billion and earned $65.11 million in profits. Earnings per share was $0.61.
| Revenue | 1.38B |
| Gross Profit | 1.15B |
| Operating Income | 105.90M |
| Pretax Income | 67.00M |
| Net Income | 65.11M |
| EBITDA | 131.46M |
| EBIT | 105.90M |
| Earnings Per Share (EPS) | $0.61 |
Balance Sheet
The company has $463.19 million in cash and $2.11 billion in debt, with a net cash position of -$1.65 billion or -$16.69 per share.
| Cash & Cash Equivalents | 463.19M |
| Total Debt | 2.11B |
| Net Cash | -1.65B |
| Net Cash Per Share | -$16.69 |
| Equity (Book Value) | 887.42M |
| Book Value Per Share | 8.97 |
| Working Capital | 2.17B |
Cash Flow
In the last 12 months, operating cash flow was -$181.13 million and capital expenditures -$5.83 million, giving a free cash flow of -$186.96 million.
| Operating Cash Flow | -181.13M |
| Capital Expenditures | -5.83M |
| Depreciation & Amortization | 25.56M |
| Net Borrowing | 209.18M |
| Free Cash Flow | -186.96M |
| FCF Per Share | -$1.89 |
Margins
Gross margin is 83.26%, with operating and profit margins of 7.65% and 4.71%.
| Gross Margin | 83.26% |
| Operating Margin | 7.65% |
| Pretax Margin | 4.84% |
| Profit Margin | 4.71% |
| EBITDA Margin | 9.50% |
| EBIT Margin | 7.65% |
| 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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | -7.74% |
| Shareholder Yield | -7.74% |
| Earnings Yield | 2.75% |
| FCF Yield | -8.51% |
Analyst Forecast
The average price target for UPST is $31.19, which is 40.62% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.19 |
| Price Target Difference | 40.62% |
| Analyst Consensus | Buy |
| Analyst Count | 16 |
| Revenue Growth Forecast (3Y) | 27.36% |
| EPS Growth Forecast (3Y) | 37.62% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
| Graham Formula Value | |
| Graham Formula Upside |
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 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2 |
| Piotroski F-Score | 4 |