Upstart Holdings, Inc. (BIT:1UPST)

Upstart Holdings Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 23, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	4,719	5,425	3,144	1,013	10,903	2,414
Market Cap Growth	65.19%	72.55%	210.44%	-90.71%	351.69%	-
Enterprise Value	5,691	5,994	3,808	1,326	10,622	2,598
PE Ratio	-	-	-	-	91.55	-
PS Ratio	6.26	8.30	6.34	1.27	14.56	12.23
PB Ratio	7.68	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	9.10	10.68	6.61	1.93	17.55	10.04
P/FCF Ratio	-	30.28	-	-	77.54	205.88
P/OCF Ratio	-	30.15	-	-	73.66	188.11
EV/Sales Ratio	7.52	9.17	7.68	1.66	14.18	13.16
EV/EBITDA Ratio	282.48	-	-	-	78.99	143.98
EV/EBIT Ratio	-	-	-	-	83.09	160.55
EV/FCF Ratio	-102.10	33.45	-	-	75.54	221.55
Debt / Equity Ratio	2.13	2.43	1.96	1.62	0.99	0.27
Debt / EBITDA Ratio	65.26	-	-	-	4.90	2.86
Debt / FCF Ratio	-	8.30	-	-	4.98	5.72
Asset Turnover	0.41	0.31	0.28	0.45	0.74	0.56
Quick Ratio	3.78	6.21	5.49	6.44	9.38	5.21
Current Ratio	15.74	13.90	22.19	21.90	13.81	8.50
Return on Equity (ROE)	-0.97%	-20.27%	-36.73%	-14.69%	24.46%	2.78%
Return on Assets (ROA)	-0.49%	-3.78%	-7.01%	-3.43%	7.91%	2.84%
Return on Capital (ROIC)	-0.53%	-4.08%	-7.61%	-3.83%	9.16%	3.46%
Return on Capital Employed (ROCE)	-	-	-	-	8.50%	4.60%
Earnings Yield	-0.11%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	-1.18%	3.30%	-3.26%	-61.59%	1.29%	0.49%
Buyback Yield / Dilution	-7.72%	-6.79%	-1.20%	12.66%	-441.13%	-22.17%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.