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UPST Upstart Holdings Inc
- Stocks
- Financial Services
- NASDAQ: UPST
Price (delayed)
$64.68
Market cap
$6.15B
P/E Ratio
N/A
Dividend/share
N/A
EPS
-$0.74
Enterprise value
$6.77B
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 has soared by 64% YoY and by 49% QoQ
UPST's net income has soared by 62% year-on-year and by 48% since the previous quarter
Upstart Holdings's debt has increased by 22% YoY but it has decreased by 5% QoQ
Key stats
What are the main financial stats of UPST
Market
Valuations
Earnings
Shares outstanding
95.14M
Market cap
$6.15B
Enterprise value
$6.77B
Price to earnings (P/E)
N/A
Price to book (P/B)
8.96
Price to sales (P/S)
8.44
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
9.38
Revenue
$722.11M
Gross profit
$722.11M
Operating income
-$109.88M
Net income
-$66.43M
EBIT
-$66.23M
EBITDA
-$44.91M
Free cash flow
$105.82M
Per share
Balance sheet
Liquidity
EPS
-$0.74
EPS diluted
-$0.74
Free cash flow per share
$1.12
Book value per share
$7.22
Revenue per share
$7.66
TBVPS
$23.65
Total assets
$2.3B
Total liabilities
$1.62B
Debt
$1.46B
Equity
$676.64M
Working capital
N/A
Debt to equity
2.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-13.77
Margins
Efficiency
Dividend
EBITDA margin
-6.2%
Gross margin
100%
Net margin
-9.2%
Operating margin
-15.2%
Return on assets
-3.2%
Return on equity
-10.6%
Return on invested capital
-2.6%
Return on capital employed
N/A
Return on sales
-9.2%
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
1.97%
1 week
9.5%
1 month
37.12%
1 year
174.18%
YTD
5.05%
QTD
40.52%
Financial performance
How have Upstart Holdings's revenue and profit performed over time
Revenue
$722.11M
Gross profit
$722.11M
Operating income
-$109.88M
Net income
-$66.43M
Gross margin
100%
Net margin
-9.2%
Upstart Holdings's net margin has surged by 72% YoY and by 54% QoQ
UPST's net income has soared by 62% year-on-year and by 48% since the previous quarter
The company's operating margin has surged by 57% YoY and by 44% QoQ
Upstart Holdings's operating income has increased by 43% YoY and by 36% from the previous quarter
Price vs fundamentals
How does UPST's price correlate with its fundamentals
Growth
What is Upstart Holdings's growth rate over time
Valuation
What is Upstart Holdings stock price valuation
P/E
N/A
P/B
8.96
P/S
8.44
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
9.38
UPST's EPS has soared by 64% YoY and by 49% QoQ
The price to book (P/B) is 45% more than the last 4 quarters average of 6.2 but 2.6% less than the 5-year quarterly average of 9.2
The equity has increased by 10% year-on-year and by 7% since the previous quarter
UPST's P/S is 34% above its last 4 quarters average of 6.3 but 12% below its 5-year quarterly average of 9.6
The revenue has grown by 34% YoY and by 13% from the previous quarter
Efficiency
How efficient is Upstart Holdings business performance
UPST's ROS has soared by 72% YoY and by 54% QoQ
The return on assets has surged by 65% year-on-year and by 51% since the previous quarter
UPST's return on equity has surged by 62% year-on-year and by 50% since the previous quarter
UPST's ROIC has soared by 62% YoY and by 50% from 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 42% greater than the total liabilities
The company's total liabilities rose by 23% YoY but it fell by 7% QoQ
The total assets is up by 19% year-on-year but it has declined by 3% since the previous quarter
Upstart Holdings's debt is 115% higher than its equity
Upstart Holdings's debt has increased by 22% YoY but it has decreased by 5% QoQ
Upstart Holdings's debt to equity has decreased by 12% QoQ but it has increased by 10% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.