Upstart Holdings, Inc. (UPST)

Upstart Holdings Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 5, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	4,548	5,617	3,475	1,082	12,400	2,953
Market Cap Growth	-29.89%	61.62%	221.08%	-91.27%	319.95%	-
Enterprise Value	6,004	6,206	4,209	1,417	12,080	3,178
Last Close Price	46.75	61.57	40.86	13.22	151.30	40.75
PE Ratio	182.25	-	-	-	91.55	-
Forward PE	21.03	292.91	-	-	72.48	-
PS Ratio	4.44	8.30	6.34	1.27	14.56	12.23
PB Ratio	6.11	8.87	5.47	1.61	15.36	9.83
P/TBV Ratio	7.22	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
PEG Ratio	-	2.23	2.23	-	0.41	-
EV/Sales Ratio	6.02	9.17	7.68	1.66	14.18	13.16
EV/EBITDA Ratio	82.19	-	-	-	78.99	143.98
EV/EBIT Ratio	120.13	-	-	-	83.09	160.55
EV/FCF Ratio	-	33.45	-	-	75.54	221.55
Debt / Equity Ratio	2.62	2.43	1.96	1.62	0.99	0.27
Debt / EBITDA Ratio	21.41	-	-	-	4.90	2.86
Debt / FCF Ratio	-	8.30	-	-	4.98	5.72
Asset Turnover	0.42	0.31	0.28	0.45	0.74	0.56
Quick Ratio	5.40	6.21	5.49	6.44	9.38	5.21
Current Ratio	22.27	13.90	22.19	21.90	13.81	8.50
Return on Equity (ROE)	4.81%	-20.27%	-36.73%	-14.69%	24.46%	2.78%
Return on Assets (ROA)	1.32%	-3.78%	-7.01%	-3.43%	7.91%	2.84%
Return on Capital (ROIC)	1.44%	-4.08%	-7.61%	-3.83%	9.16%	3.46%
Return on Capital Employed (ROCE)	1.80%	-5.90%	-11.40%	-5.50%	8.50%	4.60%
Earnings Yield	0.71%	-2.29%	-6.91%	-10.04%	1.09%	0.20%
FCF Yield	-8.08%	3.30%	-3.26%	-61.59%	1.29%	0.49%
Buyback Yield / Dilution	-16.73%	-6.79%	-1.20%	12.66%	-441.13%	-22.17%

Updated Nov 4, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q