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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
21.99
0.15
−0.68%
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| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
39.56 | 60.86 | 54.32 | 85.38 |
+8 more quarters Free account |
P/S ratio |
1.93 | 2.75 | 2.18 | 4.02 | |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | |
P/Operating CF |
162.81 | (25.04) | (18.65) | 29.58 | |
P/B ratio |
2.78 | 4.29 | 3.39 | 4.73 | |
Price to Tangible BV |
3.04 | 4.68 | 3.73 | 5.12 | |
EV/Sales |
— | 3.53 | 3.02 | 4.72 | |
EV/EBITDA |
— | 58.47 | 53.75 | 73.08 | |
EV/Operating CF |
— | (15.50) | (12.84) | (33.37) | |
EV/FCF |
— | (14.42) | (11.98) | (29.68) | |
Quick Ratio |
0.51 | 0.44 | 0.44 | 0.49 | |
Current Ratio |
0.55 | 0.49 | 0.49 | 0.55 | |
Net Debt/EBITDA |
25.15 | 45.02 | (571.74) | 69.64 | |
Debt/Assets |
61.49% | 63.16% | 64.88% | 60.72% | |
Debt/Equity |
2.29 | 2.51 | 2.62 | 2.28 | |
Asset Turnover |
0.39 | 0.44 | 0.43 | 0.37 | |
Operating CF/Net income |
0.43 | (8.26) | 20.06 | 10.24 | |
Capex/Depreciation |
(0.23) | (0.88) | (1.19) | 0.05 | |
Research and Development Expense of Revenue |
23.11% | 25.74% | 25.99% | 18.89% | |
Selling, General and Administrative Expense of Revenue |
50.39% | 53.44% | 58.57% | 58.97% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
7.30% | 12.19% | 11.29% | 6.28% | |
Graham Net Nets |
(0.44) | (0.36) | (0.46) | (0.27) | |
Graham Number |
10.39 | 10.40 | 8.97 | 10.32 | |
Earnings Yield |
2.53% | 1.64% | 1.84% | 1.17% | |
Free Cash Flow Yield |
(5.78%) | (8.92%) | (11.54%) | (3.96%) | |
Revenue per Share |
2.87 | 3.78 | 3.18 | 2.11 | |
Operating CF per Share |
0.14 | (1.41) | (1.38) | 1.48 | |
Capex per Share |
(0.01) | (0.06) | (0.07) | 0.00 | |
Free Cash Flow per Share |
0.13 | (1.48) | (1.45) | 1.48 | |
Cash per Share |
11.36 | 10.60 | 10.04 | 12.18 | |
Shareholders Equity per Share |
8.26 | 8.26 | 7.57 | 9.24 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
8.26 | 8.26 | 7.57 | 9.24 | |
Free Cash Flow |
12.41 | (142.88) | (140.29) | 142.22 | |
Working Capital |
(959.16) | (1,207.78) | (1,133.32) | (1,076.55) | |
Capital Expenditures |
(1.25) | (6.25) | (6.99) | 0.27 | |
Net Current Asset Value |
(980.31) | (1,230.13) | (1,150.86) | (1,137.54) | |
EV/EBIT |
— | 88.55 | 86.71 | 115.65 | |
Capex to Sales |
0.00 | 0.02 | 0.02 | 0.00 | |
Price to Operating Income |
59.47 | 68.84 | 62.75 | 98.51 | |
| Other line items | |||||
Average Assets |
2,939.83 | 2,824.57 | 2,628.98 | 2,853.00 | |
Average Common Equity |
771.27 | 759.75 | 704.90 | 760.32 |
Columns are period end dates · fundamentals updated 5 Nov 2026