Want to see UPST full AI Analyst Report?
Total Valuation
Upstart Holdings has a market cap or net worth of $3.01B. The enterprise value is $4.93K.
Market Cap$3.01B
Enterprise Value$4.93K
Share Statistics
Upstart Holdings has 97,313,050 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding97,313,050
Owned by Insiders13.38%
Owned by Institutions10.80%
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 Employee765.50K
Profits Per Employee38.15K
Employee Count1,405
Asset Turnover0.36
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Upstart Holdings is 49.0. Upstart Holdings’s PEG ratio is -0.56.
PE Ratio49.0
PS Ratio3.90
PB Ratio5.26
Price to Fair Value5.26
Price to FCF-25.28
Price to Operating Cash Flow-10.35
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 -284.01M and capital expenditures -12.69M, giving a free cash flow of -296.70M billion.
Operating Cash Flow-284.01M
Free Cash Flow-296.70M
Free Cash Flow per Share-3.05
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-52.52%
50-Day Moving Average30.93
200-Day Moving Average35.02
Relative Strength Index (RSI)52.09
Average Volume (3m)3.96M
Important Dates
Upstart Holdings upcoming earnings date is Nov 10, 2026, After Close (Confirmed).
Last Earnings DateAug 4, 2026
Next Earnings DateNov 10, 2026
Ex-Dividend Date―
Financial Position
Upstart Holdings as a current ratio of 2.99, with Debt / Equity ratio of 253.98%
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 $455.96M in cash and marketable securities with $2.03B in debt, giving a net cash position of -$1.57B billion.
Cash & Marketable Securities$455.96M
Total Debt$2.03B
Net Cash-$1.57B
Net Cash Per Share-$16.13
Tangible Book Value Per Share$7.53
Margins
Gross margin is 74.44%, with operating margin of 5.05%, and net profit margin of 4.98%.
Gross Margin74.44%
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 $42.91, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$42.91
Price Target Upside59.34% Upside
Analyst ConsensusModerate Buy
Analyst Count12
Revenue Growth Forecast46.30%
EPS Growth Forecast―