UPST Upstart Holdings Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: UPST

Price (delayed)

$23.49

Market cap

$2.03B

P/E Ratio

N/A

Dividend/share

N/A

EPS

-$2.87

Enterprise value

$2.81B

Upstart is a leading AI lending platform partnering with banks to expand access to affordable credit. By leveraging Upstart's AI platform, Upstart- powered banks can have higher approval rates and ...

Highlights
UPST's net income has dropped by 121% year-on-year but it is up by 5% since the previous quarter
UPST's EPS has shrunk by 119% YoY but it is up by 7% QoQ
UPST's gross profit is down by 39% year-on-year
The revenue has contracted by 39% YoY
Sector: Financial Services
Industry: Credit Services
Website: http://www.upstart.com
Peers: RM SLM

Key stats

What are the main financial stats of UPST
Market
Shares outstanding
86.43M
Market cap
$2.03B
Enterprise value
$2.81B
Valuations
Price to earnings (P/E)
N/A
Price to book (P/B)
3.14
Price to sales (P/S)
3.83
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
5.47
Earnings
Revenue
$513.56M
EBIT
-$240.03M
EBITDA
-$215.12M
Free cash flow
-$172.58M
Per share
EPS
-$2.87
Free cash flow per share
-$2.06
Book value per share
$7.47
Revenue per share
$6.13
TBVPS
$23.28
Balance sheet
Total assets
$2.02B
Total liabilities
$1.38B
Debt
$1.24B
Equity
$635.31M
Working capital
N/A
Liquidity
Debt to equity
1.96
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.61
Margins
EBITDA margin
-41.9%
Gross margin
100%
Net margin
-46.8%
Operating margin
-50%
Efficiency
Return on assets
-12.6%
Return on equity
-37.8%
Return on invested capital
-9.7%
Return on capital employed
N/A
Return on sales
-46.7%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

UPST stock price

How has the Upstart Holdings stock price performed over time
Intraday
2.71%
1 week
2.89%
1 month
-8.74%
1 year
94.13%
YTD
-42.51%
QTD
-12.64%

Financial performance

How have Upstart Holdings's revenue and profit performed over time
Revenue
$513.56M
Gross profit
$513.56M
Operating income
-$256.53M
Net income
-$240.13M
Gross margin
100%
Net margin
-46.8%
Upstart Holdings's operating income has plunged by 125% YoY but it has increased by 4.1% from the previous quarter
UPST's net income has dropped by 121% year-on-year but it is up by 5% since the previous quarter
UPST's gross profit is down by 39% year-on-year
The revenue has contracted by 39% YoY

Growth

What is Upstart Holdings's growth rate over time

Valuation

What is Upstart Holdings stock price valuation
P/E
N/A
P/B
3.14
P/S
3.83
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
5.47
UPST's EPS has shrunk by 119% YoY but it is up by 7% QoQ
The price to book (P/B) is 24% less than the last 4 quarters average of 4.0
The equity has declined by 6% year-on-year
The revenue has contracted by 39% YoY
UPST's P/S is 21% below its last 4 quarters average of 4.7

Efficiency

How efficient is Upstart Holdings business performance
UPST's return on equity has dropped by 163% year-on-year but it is up by 3.6% since the previous quarter
The return on assets has dropped by 125% year-on-year but it is up by 7% since the previous quarter
UPST's ROIC has plunged by 80% YoY but it is up by 8% from the previous quarter
UPST's ROS is up by 4.1% QoQ

Dividends

What is UPST's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for UPST.

Financial health

How did Upstart Holdings financials performed over time
The total assets is 46% greater than the total liabilities
The company's total liabilities rose by 9% YoY
The total assets is up by 4.2% year-on-year
Upstart Holdings's debt is 96% higher than its equity
Upstart Holdings's debt to equity has increased by 21% YoY
Upstart Holdings's debt has increased by 14% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.