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Friday 6 November 2026
Export UPST’s income statement to Excel — free account
Upstart Holdings, Inc.
UPST Financial Credit Services
Upstart Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 64.0% from fiscal 2024.
- Revenue
- −25.2%
- EPS
- −0.30%
- Free cash flow
- +107.6%
- Total debt
- −1.43%
Quarter to September 2026, against a year earlier
21.90
0.24
−1.08%
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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
85.38 | 54.32 | 60.86 | 39.56 |
P/S ratio |
4.02 | 2.18 | 2.75 | 1.93 | |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | |
P/Operating CF |
29.58 | (18.65) | (25.04) | 162.81 | |
P/B ratio |
4.73 | 3.39 | 4.29 | 2.78 | |
Price to Tangible BV |
5.12 | 3.73 | 4.68 | 3.04 | |
EV/Sales |
4.72 | 3.02 | 3.53 | — | |
EV/EBITDA |
73.08 | 53.75 | 58.47 | — | |
EV/Operating CF |
(33.37) | (12.84) | (15.50) | — | |
EV/FCF |
(29.68) | (11.98) | (14.42) | — | |
Quick Ratio |
0.49 | 0.44 | 0.44 | 0.51 | |
Current Ratio |
0.55 | 0.49 | 0.49 | 0.55 | |
Net Debt/EBITDA |
69.64 | (571.74) | 45.02 | 25.15 | |
Debt/Assets |
60.72% | 64.88% | 63.16% | 61.49% | |
Debt/Equity |
2.28 | 2.62 | 2.51 | 2.29 | |
Asset Turnover |
0.37 | 0.43 | 0.44 | 0.39 | |
Operating CF/Net income |
10.24 | 20.06 | (8.26) | 0.43 | |
Capex/Depreciation |
0.05 | (1.19) | (0.88) | (0.23) | |
Research and Development Expense of Revenue |
18.89% | 25.99% | 25.74% | 23.11% | |
Selling, General and Administrative Expense of Revenue |
58.97% | 58.57% | 53.44% | 50.39% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
6.28% | 11.29% | 12.19% | 7.30% | |
Graham Net Nets |
(0.27) | (0.46) | (0.36) | (0.44) | |
Graham Number |
10.32 | 8.97 | 10.40 | 10.39 | |
Earnings Yield |
1.17% | 1.84% | 1.64% | 2.53% | |
Free Cash Flow Yield |
(3.96%) | (11.54%) | (8.92%) | (5.78%) | |
Revenue per Share |
2.11 | 3.18 | 3.78 | 2.87 | |
Operating CF per Share |
1.48 | (1.38) | (1.41) | 0.14 | |
Capex per Share |
0.00 | (0.07) | (0.06) | (0.01) | |
Free Cash Flow per Share |
1.48 | (1.45) | (1.48) | 0.13 | |
Cash per Share |
12.18 | 10.04 | 10.60 | 11.36 | |
Shareholders Equity per Share |
9.24 | 7.57 | 8.26 | 8.26 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
9.24 | 7.57 | 8.26 | 8.26 | |
Free Cash Flow |
142.22 | (140.29) | (142.88) | 12.41 | |
Working Capital |
(1,076.55) | (1,133.32) | (1,207.78) | (959.16) | |
Capital Expenditures |
0.27 | (6.99) | (6.25) | (1.25) | |
Net Current Asset Value |
(1,137.54) | (1,150.86) | (1,230.13) | (980.31) | |
EV/EBIT |
115.65 | 86.71 | 88.55 | — | |
Capex to Sales |
0.00 | 0.02 | 0.02 | 0.00 | |
Price to Operating Income |
98.51 | 62.75 | 68.84 | 59.47 | |
| Other line items | |||||
Average Assets |
2,853.00 | 2,628.98 | 2,824.57 | 2,939.83 | |
Average Common Equity |
760.32 | 704.90 | 759.75 | 771.27 |
Columns are period end dates · fundamentals updated 5 Nov 2026