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Upstart Holdings, Inc. (DE:855)
:855
Total Valuation
Upstart Holdings has a market cap or net worth of €3.17B. The enterprise value is €6.69B.
Market Cap€3.17B
Enterprise Value€6.69B
Share Statistics
Upstart Holdings has 97,286,480 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding97,286,480
Owned by Insiders12.99%
Owned by Institutions0.69%
Financial Efficiency
Upstart Holdings’s return on equity (ROE) is -0.20 and return on invested capital (ROIC) is -8.35%.
Return on Equity (ROE)-0.20
Return on Assets (ROA)-0.05
Return on Invested Capital (ROIC)-8.35%
Return on Capital Employed (ROCE)-0.08
Revenue Per Employee567.44K
Profits Per Employee-107.78K
Employee Count1,193
Asset Turnover0.29
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Upstart Holdings is 163.6. Upstart Holdings’s PEG ratio is 0.86.
PE Ratio163.6
PS Ratio8.14
PB Ratio8.70
Price to Fair Value8.70
Price to FCF29.69
Price to Operating Cash Flow-33.64
PEG Ratio0.86
Income Statement
In the last 12 months, Upstart Holdings had revenue of 676.96M and earned -128.58M in profits. Earnings per share was -1.44.
Revenue676.96M
Gross Profit615.98M
Operating Income-172.86M
Pretax Income-128.40M
Net Income-128.58M
EBITDA-111.87M
Earnings Per Share (EPS)-1.44
Cash Flow
In the last 12 months, operating cash flow was -110.93M and capital expenditures -3.42M, giving a free cash flow of -114.34M billion.
Operating Cash Flow-110.93M
Free Cash Flow-114.34M
Free Cash Flow per Share-1.18
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
Beta2.29
52-Week Price Change-56.80%
50-Day Moving Average47.67
200-Day Moving Average52.08
Relative Strength Index (RSI)26.24
Average Volume (3m)534.00
Important Dates
Upstart Holdings upcoming earnings date is Feb 17, 2026, After Close (Confirmed).
Last Earnings DateNov 4, 2025
Next Earnings DateFeb 17, 2026
Ex-Dividend Date―
Financial Position
Upstart Holdings as a current ratio of 3.06, with Debt / Equity ratio of 0.00%
Current Ratio3.06
Quick Ratio3.06
Debt to Market Cap0.27
Net Debt to EBITDA-6.72
Interest Coverage Ratio-3.59
Taxes
In the past 12 months, Upstart Holdings has paid 185.00K in taxes.
Income Tax185.00K
Effective Tax Rate>-0.01
Enterprise Valuation
Upstart Holdings EV to EBITDA ratio is -55.94, with an EV/FCF ratio of 33.74.
EV to Sales9.25
EV to EBITDA-55.94
EV to Free Cash Flow33.74
EV to Operating Cash Flow33.59
Balance Sheet
Upstart Holdings has €531.03M in cash and marketable securities with €0.00 in debt, giving a net cash position of €531.03M billion.
Cash & Marketable Securities€531.03M
Total Debt€0.00
Net Cash€531.03M
Net Cash Per Share€5.46
Tangible Book Value Per Share€6.22
Margins
Gross margin is 65.66%, with operating margin of -25.53%, and net profit margin of -18.99%.
Gross Margin65.66%
Operating Margin-25.53%
Pretax Margin-18.97%
Net Profit Margin-18.99%
EBITDA Margin-16.53%
EBIT Margin-18.97%
Analyst Forecast
The average price target for Upstart Holdings is €50.37, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€50.37
Price Target Upside60.81% Upside
Analyst ConsensusModerate Buy
Analyst Count13
Revenue Growth Forecast―
EPS Growth Forecast―