Upstart Holdings Statistics

Total Valuation

UPST has a market cap or net worth of $1.89 billion. The enterprise value is $2.66 billion.

Market Cap	1.89B
Enterprise Value	2.66B

Important Dates

The next confirmed earnings date is Tuesday, May 7, 2024, after market close.

Earnings Date	May 7, 2024
Ex-Dividend Date	n/a

Share Statistics

UPST has 86.43 million shares outstanding. The number of shares has increased by 1.20% in one year.

Shares Outstanding	86.43M
Shares Change (YoY)	+1.20%
Shares Change (QoQ)	+1.40%
Owned by Insiders (%)	13.11%
Owned by Institutions (%)	49.69%
Float	75.02M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	3.68
Forward PS	3.16
PB Ratio	2.97
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	5.19
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	1.96
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -37.80% and return on invested capital (ROIC) is -13.65%.

Return on Equity (ROE)	-37.80%
Return on Assets (ROA)	-12.60%
Return on Capital (ROIC)	-13.65%
Revenue Per Employee	$370,001
Profits Per Employee	-$173,006
Employee Count	1,388
Asset Turnover	0.27
Inventory Turnover	n/a

Taxes

In the past 12 months, UPST has paid $107,000 in taxes.

Income Tax	107,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +38.68% in the last 52 weeks. The beta is 1.94, so UPST's price volatility has been higher than the market average.

Beta (1Y)	1.94
52-Week Price Change	+38.68%
50-Day Moving Average	25.93
200-Day Moving Average	32.70
Relative Strength Index (RSI)	35.89
Average Volume (30 Days)	6,596,937

Short Selling Information

The latest short interest is 27.34 million, so 31.63% of the outstanding shares have been sold short.

Short Interest	27.34M
Short Previous Month	27.13M
Short % of Shares Out	31.63%
Short % of Float	36.44%
Short Ratio (days to cover)	5.32

Income Statement

In the last 12 months, UPST had revenue of $513.56 million and -$240.13 million in losses. Loss per share was -$2.87.

Revenue	513.56M
Gross Profit	513.56M
Operating Income	-256.53M
Pretax Income	-240.03M
Net Income	-240.13M
EBITDA	-215.12M
EBIT	-240.03M
Loss Per Share	-$2.87

Full Income Statement

Balance Sheet

The company has $467.79 million in cash and $1.24 billion in debt, giving a net cash position of -$776.38 million or -$8.98 per share.

Cash & Cash Equivalents	467.79M
Total Debt	1.24B
Net Cash	-776.38M
Net Cash Per Share	-$8.98
Equity / Book Value	635.31M
Book Value Per Share	7.35
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$160.49 million and capital expenditures -$12.09 million, giving a free cash flow of -$172.58 million.

Operating Cash Flow	-160.49M
Capital Expenditures	-12.09M
Free Cash Flow	-172.58M
FCF Per Share	-$2.06

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of -49.95% and -46.76%.

Gross Margin	100.00%
Operating Margin	-49.95%
Pretax Margin	-46.74%
Profit Margin	-46.76%
EBITDA Margin	-41.89%
EBIT Margin	-46.74%
FCF Margin	-33.60%

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	-1.20%
Shareholder Yield	-1.20%
Earnings Yield	-12.72%
FCF Yield	-9.14%

Dividend Details

Analyst Forecast

The average price target for UPST is $24.08, which is 10.11% higher than the current price. The consensus rating is "Sell".

Price Target	$24.08
Price Target Difference	10.11%
Analyst Consensus	Sell
Analyst Count	14
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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