Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $2.78 billion. The enterprise value is $4.38 billion.
| Market Cap | 2.78B |
| Enterprise Value | 4.38B |
Important Dates
The last earnings date was Tuesday, August 4, 2026, after market close.
| Earnings Date | Aug 4, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 97.31 million shares outstanding. The number of shares has increased by 14.59% in one year.
| Current Share Class | 97.31M |
| Shares Outstanding | 97.31M |
| Shares Change (YoY) | +14.59% |
| Shares Change (QoQ) | +13.23% |
| Owned by Insiders (%) | 13.88% |
| Owned by Institutions (%) | 65.32% |
| Float | 83.80M |
Valuation Ratios
The trailing PE ratio is 58.50 and the forward PE ratio is 10.49. UPST's PEG ratio is 0.26.
| PE Ratio | 58.50 |
| Forward PE | 10.49 |
| PS Ratio | 2.16 |
| Forward PS | 1.72 |
| PB Ratio | 3.73 |
| P/TBV Ratio | 4.09 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.26 |
Enterprise Valuation
| EV / Earnings | 72.64 |
| EV / Sales | 3.41 |
| EV / EBITDA | 38.09 |
| EV / EBIT | 48.98 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 10.45, with a Debt / Equity ratio of 2.58.
| Current Ratio | 10.45 |
| Quick Ratio | 2.39 |
| Debt / Equity | 2.58 |
| Debt / EBITDA | 15.51 |
| Debt / FCF | n/a |
| Interest Coverage | 2.25 |
Financial Efficiency
Return on equity (ROE) is 7.94% and return on invested capital (ROIC) is 3.78%.
| Return on Equity (ROE) | 7.94% |
| Return on Assets (ROA) | 1.98% |
| Return on Invested Capital (ROIC) | 3.78% |
| Return on Capital Employed (ROCE) | 3.03% |
| Weighted Average Cost of Capital (WACC) | 10.09% |
| Revenue Per Employee | $915,224 |
| Profits Per Employee | $42,942 |
| Employee Count | 1,405 |
| Asset Turnover | 0.46 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $1.35 million in taxes.
| Income Tax | 1.35M |
| Effective Tax Rate | 2.19% |
Stock Price Statistics
The stock price has decreased by -53.50% in the last 52 weeks. The beta is 2.16, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.16 |
| 52-Week Price Change | -53.50% |
| 50-Day Moving Average | 30.81 |
| 200-Day Moving Average | 34.65 |
| Relative Strength Index (RSI) | 45.07 |
| Average Volume (20 Days) | 4,779,252 |
Short Selling Information
The latest short interest is 25.22 million, so 25.92% of the outstanding shares have been sold short.
| Short Interest | 25.22M |
| Short Previous Month | 26.18M |
| Short % of Shares Out | 25.92% |
| Short % of Float | 30.10% |
| Short Ratio (days to cover) | 6.95 |
Income Statement
In the last 12 months, UPST had revenue of $1.29 billion and earned $60.33 million in profits. Earnings per share was $0.52.
| Revenue | 1.29B |
| Gross Profit | 1.07B |
| Operating Income | 89.48M |
| Pretax Income | 61.68M |
| Net Income | 60.33M |
| EBITDA | 115.06M |
| EBIT | 89.48M |
| Earnings Per Share (EPS) | $0.52 |
Balance Sheet
The company has $457.84 million in cash and $2.06 billion in debt, with a net cash position of -$1.60 billion or -$16.44 per share.
| Cash & Cash Equivalents | 457.84M |
| Total Debt | 2.06B |
| Net Cash | -1.60B |
| Net Cash Per Share | -$16.44 |
| Equity (Book Value) | 797.49M |
| Book Value Per Share | 8.20 |
| Working Capital | 2.04B |
Cash Flow
In the last 12 months, operating cash flow was -$284.01 million and capital expenditures -$5.04 million, giving a free cash flow of -$289.05 million.
| Operating Cash Flow | -284.01M |
| Capital Expenditures | -5.04M |
| Depreciation & Amortization | 25.58M |
| Net Borrowing | 599.11M |
| Free Cash Flow | -289.05M |
| FCF Per Share | -$2.97 |
Margins
Gross margin is 83.04%, with operating and profit margins of 6.96% and 4.69%.
| Gross Margin | 83.04% |
| Operating Margin | 6.96% |
| Pretax Margin | 4.80% |
| Profit Margin | 4.69% |
| EBITDA Margin | 8.95% |
| EBIT Margin | 6.96% |
| 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 | -14.59% |
| Shareholder Yield | -14.59% |
| Earnings Yield | 2.17% |
| FCF Yield | -10.39% |
Analyst Forecast
The average price target for UPST is $40.60, which is 42.11% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.60 |
| Price Target Difference | 42.11% |
| Analyst Consensus | Buy |
| Analyst Count | 15 |
| Revenue Growth Forecast (3Y) | 30.58% |
| EPS Growth Forecast (3Y) | 36.48% |
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 |
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 2.23 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.23 |
| Piotroski F-Score | 4 |