UPST Upstart Holdings Inc
Price (delayed)
$47.63
Market cap
$4.46B
P/E Ratio
N/A
Dividend/share
N/A
EPS
-$1.44
Enterprise value
$5.03B
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 EPS is up by 50% YoY and by 25% QoQ
UPST's net income is up by 46% year-on-year and by 24% since the previous quarter
Upstart Holdings's debt has increased by 48% QoQ and by 24% YoY
Key stats
What are the main financial stats of UPST
Market
Valuations
Earnings
Shares outstanding
93.71M
Market cap
$4.46B
Enterprise value
$5.03B
Price to earnings (P/E)
N/A
Price to book (P/B)
6.86
Price to sales (P/S)
6.69
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
7.9
Revenue
$636.53M
Gross profit
$636.53M
Operating income
-$172.86M
Net income
-$128.58M
EBIT
-$128.4M
EBITDA
-$107.85M
Free cash flow
$176.34M
Per share
Balance sheet
Liquidity
EPS
-$1.44
EPS diluted
-$1.44
Free cash flow per share
$1.97
Book value per share
$6.94
Revenue per share
$7.12
TBVPS
$25.71
Total assets
$2.37B
Total liabilities
$1.73B
Debt
$1.54B
Equity
$633.22M
Working capital
N/A
Debt to equity
2.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.23
Margins
Efficiency
Dividend
EBITDA margin
-16.9%
Gross margin
100%
Net margin
-20.2%
Operating margin
-27.2%
Return on assets
-6.5%
Return on equity
-21.1%
Return on invested capital
-5.2%
Return on capital employed
N/A
Return on sales
-20.2%
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
3.54%
1 week
-9.91%
1 month
-28.56%
1 year
85.04%
YTD
-22.64%
QTD
3.48%
Financial performance
How have Upstart Holdings's revenue and profit performed over time
Revenue
$636.53M
Gross profit
$636.53M
Operating income
-$172.86M
Net income
-$128.58M
Gross margin
100%
Net margin
-20.2%
Upstart Holdings's net margin has surged by 57% YoY and by 33% QoQ
UPST's net income is up by 46% year-on-year and by 24% since the previous quarter
The company's operating margin rose by 46% YoY and by 30% QoQ
Upstart Holdings's operating income has increased by 33% YoY and by 20% from the previous quarter
Growth
What is Upstart Holdings's growth rate over time
Valuation
What is Upstart Holdings stock price valuation
P/E
N/A
P/B
6.86
P/S
6.69
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
7.9
UPST's EPS is up by 50% YoY and by 25% QoQ
The price to book (P/B) is 29% less than the 5-year quarterly average of 9.3 but 21% more than the last 4 quarters average of 5.5
The equity has increased by 6% since the previous quarter
UPST's P/S is 34% below its 5-year quarterly average of 9.8 but 11% above its last 4 quarters average of 5.8
The revenue has grown by 24% YoY and by 14% from the previous quarter
Efficiency
How efficient is Upstart Holdings business performance
UPST's ROS has soared by 57% YoY and by 33% QoQ
The return on assets is up by 48% year-on-year and by 27% since the previous quarter
UPST's ROIC is up by 46% YoY and by 25% from the previous quarter
UPST's return on equity is up by 44% year-on-year and by 24% since the previous quarter
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 37% greater than the total liabilities
The company's total liabilities rose by 43% QoQ and by 25% YoY
The total assets is up by 31% since the previous quarter and by 17% year-on-year
Upstart Holdings's debt is 143% higher than its equity
Upstart Holdings's debt has increased by 48% QoQ and by 24% YoY
Upstart Holdings's debt to equity has increased by 39% QoQ and by 24% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.