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Upstart Holdings (UPST)
NASDAQ:UPST
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Upstart Holdings (UPST) Stock Statistics & Valuation Metrics

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Total Valuation

Upstart Holdings has a market cap or net worth of $7.13B. The enterprise value is $7.91B.
Market Cap$7.13B
Enterprise Value$7.91B

Share Statistics

Upstart Holdings has 95,144,860 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding95,144,860
Owned by Insiders13.17%
Owned by Institutions0.12%

Financial Efficiency

Upstart Holdings’s return on equity (ROE) is -0.20 and return on invested capital (ROIC) is -7.78%.
Return on Equity (ROE)-0.20
Return on Assets (ROA)-0.05
Return on Invested Capital (ROIC)-7.78%
Return on Capital Employed (ROCE)-0.08
Revenue Per Employee527.10K
Profits Per Employee-107.78K
Employee Count1,193
Asset Turnover0.27
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of {name} is {pe}. {name}’s PEG ratio is {priceToEarningsGrowthRatio}.
PE Ratio
PS Ratio0.00
PB Ratio10.45
Price to Fair Value8.70
Price to FCF67.42
Price to Operating Cash Flow58.80
PEG Ratio-2.19

Income Statement

In the last 12 months, Upstart Holdings had revenue of 628.83M and earned -128.58M in profits. Earnings per share was -1.44.
Revenue628.83M
Gross Profit628.83M
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 120.22M and capital expenditures -12.02M, giving a free cash flow of 105.82M billion.
Operating Cash Flow120.22M
Free Cash Flow105.82M
Free Cash Flow per Share1.11

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

Beta3.89
52-Week Price Change139.83%
50-Day Moving Average57.08
200-Day Moving Average58.35
Relative Strength Index (RSI)66.37
Average Volume (3m)5.88M

Important Dates

Upstart Holdings upcoming earnings date is Aug 5, 2025, After Close (Confirmed).
Last Earnings DateMay 6, 2025
Next Earnings DateAug 5, 2025
Ex-Dividend Date

Financial Position

Upstart Holdings as a current ratio of 3.06, with Debt / Equity ratio of 204.23%
Current Ratio3.06
Quick Ratio3.06
Debt to Market Cap0.25
Net Debt to EBITDA-5.94
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 -55.16, with an EV/FCF ratio of 33.27.
EV to Sales9.81
EV to EBITDA-55.16
EV to Free Cash Flow33.27
EV to Operating Cash Flow33.12

Balance Sheet

Upstart Holdings has $605.37M in cash and marketable securities with $1.38B in debt, giving a net cash position of $776.57M billion.
Cash & Marketable Securities$605.37M
Total Debt$1.38B
Net Cash$776.57M
Net Cash Per Share$8.16
Tangible Book Value Per Share$6.22

Margins

Gross margin is 99.03%, with operating margin of -27.49%, and net profit margin of -20.45%.
Gross Margin99.03%
Operating Margin-27.49%
Pretax Margin-20.42%
Net Profit Margin-20.45%
EBITDA Margin-17.79%
EBIT Margin-21.06%

Analyst Forecast

The average price target for Upstart Holdings is $61.45, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$61.45
Price Target Upside-17.11% Downside
Analyst ConsensusHold
Analyst Count14
Revenue Growth Forecast34.69%
EPS Growth Forecast63.65%

Scores

Smart Score7
AI Score65.5
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