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Upstart Holdings (DE:855)
FRANKFURT:855

Upstart Holdings (855) Stock Statistics & Valuation Metrics

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Total Valuation

Upstart Holdings has a market cap or net worth of €2.38B. The enterprise value is €3.97B.
Market Cap€2.38B
Enterprise Value€3.97B

Share Statistics

Upstart Holdings has 98,061,280 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding98,061,280
Owned by Insiders12.81%
Owned by Institutions16.90%

Financial Efficiency

Upstart Holdings’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 2.01%.
Return on Equity (ROE)0.07
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)2.01%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee901.53K
Profits Per Employee44.93K
Employee Count1,193
Asset Turnover0.36
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Upstart Holdings is 78.3. Upstart Holdings’s PEG ratio is -0.56.
PE Ratio78.3
PS Ratio3.90
PB Ratio5.26
Price to Fair Value5.26
Price to FCF-25.28
Price to Operating Cash Flow-18.74
PEG Ratio-0.56

Income Statement

In the last 12 months, Upstart Holdings had revenue of 1.08B and earned 53.60M in profits. Earnings per share was 0.56.
Revenue1.08B
Gross Profit1.02B
Operating Income54.33M
Pretax Income54.33M
Net Income53.60M
EBITDA79.16M
Earnings Per Share (EPS)0.56

Cash Flow

In the last 12 months, operating cash flow was -147.72M and capital expenditures -18.41M, giving a free cash flow of -166.13M billion.
Operating Cash Flow-147.72M
Free Cash Flow-166.13M
Free Cash Flow per Share-1.69

Dividends & Yields

Upstart Holdings pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share
Dividend Yield
Payout RatioN/A
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta2.22
52-Week Price Change-54.26%
50-Day Moving Average33.94
200-Day Moving Average45.71
Relative Strength Index (RSI)34.02
Average Volume (3m)159.00

Important Dates

Upstart Holdings upcoming earnings date is May 12, 2026, After Close (Confirmed).
Last Earnings DateFeb 10, 2026
Next Earnings DateMay 12, 2026
Ex-Dividend Date

Financial Position

Upstart Holdings as a current ratio of 2.99, with Debt / Equity ratio of 231.63%
Current Ratio2.99
Quick Ratio2.99
Debt to Market Cap0.44
Net Debt to EBITDA15.07
Interest Coverage Ratio1.05

Taxes

In the past 12 months, Upstart Holdings has paid 728.00K in taxes.
Income Tax728.00K
Effective Tax Rate0.01

Enterprise Valuation

Upstart Holdings EV to EBITDA ratio is 68.12, with an EV/FCF ratio of -32.46.
EV to Sales5.01
EV to EBITDA68.12
EV to Free Cash Flow-32.46
EV to Operating Cash Flow-36.50

Balance Sheet

Upstart Holdings has €657.45M in cash and marketable securities with €1.85B in debt, giving a net cash position of -€1.19B billion.
Cash & Marketable Securities€657.45M
Total Debt€1.85B
Net Cash-€1.19B
Net Cash Per Share-€12.16
Tangible Book Value Per Share€7.53

Margins

Gross margin is 95.21%, with operating margin of 5.05%, and net profit margin of 4.98%.
Gross Margin95.21%
Operating Margin5.05%
Pretax Margin5.05%
Net Profit Margin4.98%
EBITDA Margin7.36%
EBIT Margin5.05%

Analyst Forecast

The average price target for Upstart Holdings is €41.36, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€41.36
Price Target Upside71.71% Upside
Analyst ConsensusModerate Buy
Analyst Count12
Revenue Growth Forecast
EPS Growth Forecast

Scores

Smart Score2
AI Score