Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $2.75 billion. The enterprise value is $4.25 billion.
Important Dates
The last earnings date was Tuesday, May 5, 2026, after market close.
| Earnings Date | May 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 95.71 million shares outstanding. The number of shares has increased by 18.51% in one year.
| Current Share Class | 95.71M |
| Shares Outstanding | 95.71M |
| Shares Change (YoY) | +18.51% |
| Shares Change (QoQ) | -13.65% |
| Owned by Insiders (%) | 12.84% |
| Owned by Institutions (%) | 68.65% |
| Float | 78.41M |
Valuation Ratios
The trailing PE ratio is 69.31 and the forward PE ratio is 11.28. UPST's PEG ratio is 0.28.
| PE Ratio | 69.31 |
| Forward PE | 11.28 |
| PS Ratio | 2.34 |
| Forward PS | 1.78 |
| PB Ratio | 3.78 |
| P/TBV Ratio | 4.45 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.28 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 86.08 |
| EV / Sales | 3.62 |
| EV / EBITDA | 42.99 |
| EV / EBIT | 56.99 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 11.65, with a Debt / Equity ratio of 2.70.
| Current Ratio | 11.65 |
| Quick Ratio | 2.84 |
| Debt / Equity | 2.70 |
| Debt / EBITDA | 16.95 |
| Debt / FCF | n/a |
| Interest Coverage | 2.13 |
Financial Efficiency
Return on equity (ROE) is 7.01% and return on invested capital (ROIC) is 3.44%.
| Return on Equity (ROE) | 7.01% |
| Return on Assets (ROA) | 1.77% |
| Return on Invested Capital (ROIC) | 3.44% |
| Return on Capital Employed (ROCE) | 2.69% |
| Weighted Average Cost of Capital (WACC) | 10.43% |
| Revenue Per Employee | $835,384 |
| Profits Per Employee | $35,162 |
| Employee Count | 1,405 |
| Asset Turnover | 0.45 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $783,000 in taxes.
| Income Tax | 783,000 |
| Effective Tax Rate | 1.56% |
Stock Price Statistics
The stock price has decreased by -38.90% in the last 52 weeks. The beta is 2.26, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.26 |
| 52-Week Price Change | -38.90% |
| 50-Day Moving Average | 28.90 |
| 200-Day Moving Average | 45.71 |
| Relative Strength Index (RSI) | 43.31 |
| Average Volume (20 Days) | 4,905,585 |
Short Selling Information
The latest short interest is 27.87 million, so 29.12% of the outstanding shares have been sold short.
| Short Interest | 27.87M |
| Short Previous Month | 27.64M |
| Short % of Shares Out | 29.12% |
| Short % of Float | 35.55% |
| Short Ratio (days to cover) | 6.02 |
Income Statement
In the last 12 months, UPST had revenue of $1.17 billion and earned $49.40 million in profits. Earnings per share was $0.41.
| Revenue | 1.17B |
| Gross Profit | 970.74M |
| Operating Income | 74.62M |
| Pretax Income | 50.19M |
| Net Income | 49.40M |
| EBITDA | 98.92M |
| EBIT | 74.62M |
| Earnings Per Share (EPS) | $0.41 |
Full Income StatementBalance Sheet
The company has $474.66 million in cash and $1.98 billion in debt, with a net cash position of -$1.50 billion or -$15.71 per share.
| Cash & Cash Equivalents | 474.66M |
| Total Debt | 1.98B |
| Net Cash | -1.50B |
| Net Cash Per Share | -$15.71 |
| Equity (Book Value) | 733.17M |
| Book Value Per Share | 7.66 |
| Working Capital | 1.96B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$267.54 million and capital expenditures -$3.10 million, giving a free cash flow of -$270.63 million.
| Operating Cash Flow | -267.54M |
| Capital Expenditures | -3.10M |
| Depreciation & Amortization | 24.29M |
| Net Borrowing | 596.81M |
| Free Cash Flow | -270.63M |
| FCF Per Share | -$2.83 |
Full Cash Flow StatementMargins
Gross margin is 82.71%, with operating and profit margins of 6.36% and 4.21%.
| Gross Margin | 82.71% |
| Operating Margin | 6.36% |
| Pretax Margin | 4.28% |
| Profit Margin | 4.21% |
| EBITDA Margin | 8.43% |
| EBIT Margin | 6.36% |
| 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 |
| Buyback Yield | -18.51% |
| Shareholder Yield | -18.51% |
| Earnings Yield | 1.80% |
| FCF Yield | -9.85% |
Analyst Forecast
The average price target for UPST is $45.03, which is 56.95% higher than the current price. The consensus rating is "Buy".
| Price Target | $45.03 |
| Price Target Difference | 56.95% |
| Analyst Consensus | Buy |
| Analyst Count | 16 |
| Revenue Growth Forecast (5Y) | 32.94% |
| EPS Growth Forecast (5Y) | 77.00% |
Stock ForecastsFair 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 | |
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 2.4 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.4 |
| Piotroski F-Score | 4 |
