Upstart Holdings, Inc. UPST
23.81
(0.83)
(3.37%)
as of 25 Sep
- Market cap
- $2.4B
- P/E
- 38.4×
Follow UPST
Insider Buys
alert about insiders buying in the last 12 month
| Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
95.56 | 95.56 | 95.56 | 117.13 | 88.48 | 0.00 | 0.00 | 0.00 | 79.51 |
P/S ratio |
2.21 | 2.21 | 2.21 | 4.54 | 13.93 | 1.27 | 6.33 | 8.65 | 4.02 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 104.99 | 77.12 | 0.00 | 0.00 | 31.23 | 0.00 |
P/Operating CF |
24.46 | 24.46 | 24.46 | 15.47 | (1,060.43) | (4.52) | (22.32) | (49.65) | 38.69 |
P/B ratio |
0.00 | 0.00 | 0.00 | 3.53 | 14.64 | 1.59 | 5.12 | 8.70 | 5.26 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 3.53 | 16.41 | 1.76 | 5.72 | 9.73 | 5.74 |
EV/Sales |
2.23 | 2.23 | 2.23 | 3.47 | 13.29 | 1.76 | 7.36 | 9.26 | 4.72 |
EV/EBITDA |
85.30 | 85.30 | 85.30 | 57.74 | 76.01 | 0.00 | 0.00 | 0.00 | 73.08 |
EV/Operating CF |
(20.60) | (20.60) | (20.60) | 51.66 | 67.01 | (2.25) | (33.85) | 31.62 | (33.37) |
EV/FCF |
(14.22) | (14.22) | (14.22) | 80.35 | 73.62 | (2.17) | (30.55) | 33.41 | (29.68) |
Quick Ratio |
— | 0.31 | 0.29 | 1.98 | 1.35 | 0.49 | 0.39 | 0.60 | 0.51 |
Current Ratio |
— | 0.33 | 0.41 | 2.10 | 1.35 | 0.49 | 0.39 | 0.60 | 0.51 |
Net Debt/EBITDA |
0.00 | (0.78) | (10.14) | (17.71) | (3.61) | (4.11) | (2.29) | (2.53) | 10.83 |
Debt/Assets |
0.00% | 0.00% | 30.14% | 13.12% | 38.20% | 50.95% | 51.58% | 59.24% | 61.49% |
Debt/Equity |
— | 0.00 | 1.18 | 0.21 | 0.86 | 1.47 | 1.64 | 2.21 | 2.29 |
Asset Turnover |
0.00 | 0.00 | 0.83 | 0.54 | 0.74 | 0.45 | 0.26 | 0.29 | 0.39 |
Operating CF/Net income |
(1.34) | (4.09) | (67.77) | 2.62 | 1.24 | 6.05 | 0.47 | (1.45) | (2.76) |
Capex/Depreciation |
0.00 | (3.32) | (6.82) | (2.46) | (2.00) | (1.70) | (0.49) | (0.49) | (0.74) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 0.00% | 18.95% | 0.72% | 5.02% | 24.46% | (14.69%) | (36.72%) | (20.27%) | 7.49% | |
| 0.00% | 0.00% | (0.24%) | 1.37% | 11.79% | (5.79%) | (12.15%) | (5.87%) | 2.01% | |
ROIC |
— | (83.03%) | (2.05%) | 14.27% | 32.46% | (6.56%) | (13.74%) | (10.61%) | 1.74% |
Return on Tangible Assets |
0.00% | 4.67% | 0.30% | 3.27% | 39.55% | 19.94% | 31.28% | 20.51% | (5.29%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
9.29% | 8.47% | 11.44% | 16.62% | 15.79% | 28.16% | 54.55% | 39.85% | 24.68% |
Selling, General and Administrative Expense of Revenue |
103.70% | 84.03% | 76.16% | 62.24% | 53.75% | 63.04% | 66.11% | 62.49% | 53.19% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.03 | 0.03 | 0.03 | 0.02 |
Share Based Compensation of Revenue |
0.00% | 2.06% | 2.32% | 4.93% | 8.62% | 14.95% | 34.08% | 20.96% | 12.64% |
Graham Net Nets |
0.31 | 0.31 | 0.31 | 0.14 | 0.02 | (0.65) | (0.27) | (0.13) | (0.23) |
Graham Number |
0.00 | 0.00 | 0.00 | 9.51 | 19.94 | 0.00 | 0.00 | 0.00 | 10.15 |
Earnings Yield |
1.05% | 1.05% | 1.05% | 0.85% | 1.13% | (10.32%) | (7.47%) | (2.37%) | 1.26% |
Free Cash Flow Yield |
(7.10%) | (7.10%) | (7.10%) | 0.95% | 1.30% | (63.81%) | (3.81%) | 3.20% | (3.96%) |
Revenue per Share |
0.78 | 7.03 | 11.45 | 13.33 | 10.86 | 10.18 | 6.13 | 7.12 | 10.87 |
Operating CF per Share |
0.14 | 3.56 | 2.20 | 0.90 | 2.16 | (7.95) | (1.33) | 2.08 | (1.54) |
Capex per Share |
0.00 | (0.07) | (0.37) | (0.32) | (0.19) | (0.28) | (0.14) | (0.11) | (0.19) |
Free Cash Flow per Share |
0.14 | 3.49 | 1.83 | 0.58 | 1.96 | (8.22) | (1.48) | 1.97 | (1.73) |
Cash per Share |
0.00 | 8.64 | 5.59 | 17.78 | 15.76 | 6.93 | 6.08 | 11.38 | 11.44 |
Shareholders Equity per Share |
0.00 | 0.00 | 7.04 | 17.14 | 10.33 | 8.12 | 7.58 | 7.08 | 8.32 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
0.00 | 0.00 | 7.04 | 17.14 | 10.33 | 8.12 | 7.58 | 7.08 | 8.32 |
Free Cash Flow |
10.36 | 49.29 | 26.30 | 10.09 | 153.24 | (680.77) | (123.80) | 176.34 | (166.13) |
Working Capital |
— | (266.00) | (161.36) | 172.84 | 318.23 | (589.11) | (810.43) | (665.95) | (1,056.58) |
Capital Expenditures |
(0.77) | (1.04) | (5.28) | (5.60) | (15.11) | (22.91) | (12.09) | (9.99) | (18.41) |
Net Current Asset Value |
— | 131.00 | (178.42) | 153.40 | 217.86 | (689.90) | (872.76) | (716.23) | (1,077.73) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 68.92 | 80.08 | 0.00 | 0.00 | 0.00 | 115.65 |
Capex to Sales |
0.00 | 0.01 | 0.03 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 |
Net Profit Margin |
(13.47%) | (12.40%) | (0.28%) | 2.56% | 15.96% | (12.90%) | (46.76%) | (20.20%) | 5.13% |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 90.06 | 83.88 | 0.00 | 0.00 | 0.00 | 98.51 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.00 | 0.16 | 0.13 | 0.23 | 0.31 | 0.31 | 0.58 | 0.53 | 0.56 |
Cash ROIC |
0.00% | 19.34% | 8.53% | 0.84% | 5.27% | (31.45%) | (7.07%) | 4.83% | (5.15%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 7.81 | 5.22 | 3.70 | 11.56 | 14.87 | 9.60 | 0.00 | 0.00 |
Inventory Turnover |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 71.03 | 95.96 | 133.79 | 20.37 | 36.34 | 30.61 | 0.00 | 0.00 |
Days of Inventory on Hand |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1.97 | 1.97 | 4.78 | 10.17 | 10.17 | 12.64 | 15.66 | — | — |
Average Assets |
— | 0.00 | 196.73 | 435.36 | 1,148.86 | 1,878.25 | 1,976.58 | 2,192.03 | 2,670.88 |
Average Common Equity |
— | (65.00) | (64.34) | 119.28 | 553.67 | 739.76 | 653.87 | 634.26 | 716.02 |
Columns are period end dates