Upstart Holdings Statistics
Total Valuation
UPST has a market cap or net worth of $6.43 billion. The enterprise value is $7.57 billion.
Important Dates
The last earnings date was Tuesday, August 5, 2025, after market close.
| Earnings Date | Aug 5, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
UPST has 96.22 million shares outstanding. The number of shares has increased by 7.72% in one year.
| Current Share Class | 96.22M |
| Shares Outstanding | 96.22M |
| Shares Change (YoY) | +7.72% |
| Shares Change (QoQ) | +9.10% |
| Owned by Insiders (%) | 12.53% |
| Owned by Institutions (%) | 62.92% |
| Float | 84.17M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 33.15 |
| PS Ratio | 7.03 |
| Forward PS | 5.52 |
| PB Ratio | 8.89 |
| P/TBV Ratio | 10.56 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.20 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 8.55 |
| EV / EBITDA | 1,371.60 |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 15.74, with a Debt / Equity ratio of 2.13.
| Current Ratio | 15.74 |
| Quick Ratio | 3.78 |
| Debt / Equity | 2.13 |
| Debt / EBITDA | 65.26 |
| Debt / FCF | n/a |
| Interest Coverage | -0.46 |
Financial Efficiency
Return on equity (ROE) is -0.96% and return on invested capital (ROIC) is -0.53%.
| Return on Equity (ROE) | -0.96% |
| Return on Assets (ROA) | -0.49% |
| Return on Invested Capital (ROIC) | -0.53% |
| Return on Capital Employed (ROCE) | -0.71% |
| Revenue Per Employee | $741,666 |
| Profits Per Employee | -$5,325 |
| Employee Count | 1,193 |
| Asset Turnover | 0.41 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UPST has paid $234,000 in taxes.
| Income Tax | 234,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +95.52% in the last 52 weeks. The beta is 2.39, so UPST's price volatility has been higher than the market average.
| Beta (5Y) | 2.39 |
| 52-Week Price Change | +95.52% |
| 50-Day Moving Average | 69.04 |
| 200-Day Moving Average | 61.63 |
| Relative Strength Index (RSI) | 41.76 |
| Average Volume (20 Days) | 7,513,210 |
Short Selling Information
The latest short interest is 17.53 million, so 18.22% of the outstanding shares have been sold short.
| Short Interest | 17.53M |
| Short Previous Month | 18.61M |
| Short % of Shares Out | 18.22% |
| Short % of Float | 20.83% |
| Short Ratio (days to cover) | 3.10 |
Income Statement
In the last 12 months, UPST had revenue of $884.81 million and -$6.35 million in losses. Loss per share was -$0.07.
| Revenue | 884.81M |
| Gross Profit | 718.16M |
| Operating Income | -16.82M |
| Pretax Income | n/a |
| Net Income | -6.35M |
| EBITDA | 5.52M |
| EBIT | -16.82M |
| Loss Per Share | -$0.07 |
Full Income StatementBalance Sheet
The company has $400.56 million in cash and $1.54 billion in debt, giving a net cash position of -$1.14 billion or -$11.82 per share.
| Cash & Cash Equivalents | 400.56M |
| Total Debt | 1.54B |
| Net Cash | -1.14B |
| Net Cash Per Share | -$11.82 |
| Equity (Book Value) | 722.01M |
| Book Value Per Share | 7.51 |
| Working Capital | 1.73B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$65.23 million and capital expenditures -$231,000, giving a free cash flow of -$65.46 million.
| Operating Cash Flow | -65.23M |
| Capital Expenditures | -231,000 |
| Free Cash Flow | -65.46M |
| FCF Per Share | -$0.68 |
Full Cash Flow StatementMargins
Gross margin is 81.17%, with operating and profit margins of -1.90% and -0.72%.
| Gross Margin | 81.17% |
| Operating Margin | -1.90% |
| Pretax Margin | -0.69% |
| Profit Margin | -0.72% |
| EBITDA Margin | 0.62% |
| EBIT Margin | -1.90% |
| 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 | -7.72% |
| Shareholder Yield | -7.72% |
| Earnings Yield | -0.10% |
| FCF Yield | -1.02% |
Dividend DetailsAnalyst Forecast
The average price target for UPST is $73.39, which is 9.82% higher than the current price. The consensus rating is "Buy".
| Price Target | $73.39 |
| Price Target Difference | 9.82% |
| Analyst Consensus | Buy |
| Analyst Count | 15 |
| Revenue Growth Forecast (5Y) | 27.65% |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | n/a |
| Graham Upside | n/a |
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 2.56 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.56 |
| Piotroski F-Score | 2 |