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Upstart Holdings (UPST)
NASDAQ:UPST

Upstart Holdings (UPST) Stock Statistics & Valuation Metrics

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Total Valuation

Upstart Holdings has a market cap or net worth of $3.01B. The enterprise value is $2.36B.
Market Cap$3.01B
Enterprise Value$2.36B

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 Insiders12.93%
Owned by Institutions3.22%

Financial Efficiency

Upstart Holdings’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 4.99%.
Return on Equity (ROE)0.07
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)4.99%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee874.98K
Profits Per Employee44.93K
Employee Count1,193
Asset Turnover0.35
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Upstart Holdings is 71.3. Upstart Holdings’s PEG ratio is -0.56.
PE Ratio71.3
PS Ratio4.02
PB Ratio5.26
Price to Fair Value5.26
Price to FCF-28.43
Price to Operating Cash Flow-8.15
PEG Ratio-0.56

Income Statement

In the last 12 months, Upstart Holdings had revenue of 1.04B and earned 53.60M in profits. Earnings per share was 0.56.
Revenue1.04B
Gross Profit0.00
Operating Income42.63M
Pretax Income54.33M
Net Income53.60M
EBITDA42.63M
Earnings Per Share (EPS)0.56

Cash Flow

In the last 12 months, operating cash flow was -367.20M and capital expenditures -6.35M, giving a free cash flow of -373.55M billion.
Operating Cash Flow-367.20M
Free Cash Flow-373.55M
Free Cash Flow per Share-3.81

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

Beta3.55
52-Week Price Change-64.69%
50-Day Moving Average44.63
200-Day Moving Average54.70
Relative Strength Index (RSI)28.59
Average Volume (3m)4.85M

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 0.00, with Debt / Equity ratio of 0.00%
Current Ratio0.00
Quick Ratio0.00
Debt to Market Cap0.00
Net Debt to EBITDA-15.30
Interest Coverage Ratio-1.35

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 83.20, with an EV/FCF ratio of -24.01.
EV to Sales3.40
EV to EBITDA83.20
EV to Free Cash Flow-24.01
EV to Operating Cash Flow-24.01

Balance Sheet

Upstart Holdings has $494.89M in cash and marketable securities with $1.90B in debt, giving a net cash position of -$1.40B billion.
Cash & Marketable Securities$494.89M
Total Debt$1.90B
Net Cash-$1.40B
Net Cash Per Share-$14.29
Tangible Book Value Per Share$7.62

Margins

Gross margin is 67.15%, with operating margin of 4.08%, and net profit margin of 5.13%.
Gross Margin67.15%
Operating Margin4.08%
Pretax Margin5.20%
Net Profit Margin5.13%
EBITDA Margin4.08%
EBIT Margin0.00%

Analyst Forecast

The average price target for Upstart Holdings is $48.70, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$48.70
Price Target Upside58.74% Upside
Analyst ConsensusHold
Analyst Count12
Revenue Growth Forecast73.29%
EPS Growth Forecast

Scores

Smart Score2
AI Score