UPST Upstart Holdings Inc

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

Price (delayed)

$30.5

Market cap

$2.92B

P/E Ratio

59.8

Dividend/share

N/A

EPS

$0.51

Enterprise value

$3.97B

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Relative Growth: Rel. Growth: 74
Relative Strength: Rel. Strength: 18
Relative Valuation: Rel. Valuation: 51
Relative Profitability: Rel. Profitability: 72

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
The revenue has soared by 58% YoY and by 9% from the previous quarter
UPST's gross profit has surged by 58% year-on-year and by 9% since the previous quarter
UPST's net income has soared by 174% year-on-year but it is down by 8% since the previous quarter
UPST's EPS has soared by 169% YoY but it is down by 9% QoQ
Upstart Holdings's debt has increased by 36% YoY and by 4.3% QoQ
Sector: Financial Services
Industry: Credit Services
Website: http://www.upstart.com
Peers: RM

Key stats

What are the main financial stats of UPST

UPST stock price

How has the Upstart Holdings stock price performed over time
Intraday
-4.06%
1 week
2.56%
1 month
9.55%
1 year
-44.12%
YTD
-30.25%
QTD
18.91%

Financial performance

How have Upstart Holdings's revenue and profit performed over time
Revenue
$1.14B
Gross profit
$1.14B
Operating income
$39.61M
Net income
$49.4M
Gross margin
100%
Net margin
4.3%
UPST's net income has soared by 174% year-on-year but it is down by 8% since the previous quarter
Upstart Holdings's net margin has surged by 147% YoY but it has decreased by 16% QoQ
Upstart Holdings's operating income has soared by 136% YoY but it has decreased by 7% from the previous quarter
The company's operating margin has surged by 123% YoY but it fell by 15% QoQ

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
59.8
P/B
4.08
P/S
2.6
EV/EBIT
79.03
EV/EBITDA
53.25
EV/Sales
3.48
UPST's EPS has soared by 169% YoY but it is down by 9% QoQ
The price to book (P/B) is 43% less than the 5-year quarterly average of 7.5 and 29% less than the last 4 quarters average of 6.0
The equity has increased by 8% year-on-year but it has declined by 8% since the previous quarter
UPST's P/S is 65% below its 5-year quarterly average of 7.8 and 41% below its last 4 quarters average of 4.6
The revenue has soared by 58% YoY and by 9% from the previous quarter

Efficiency

How efficient is Upstart Holdings business performance
UPST's return on equity has surged by 162% year-on-year but it is down by 10% since the previous quarter
The return on assets has surged by 153% year-on-year but it has declined by 15% since the previous quarter
UPST's ROIC has soared by 150% YoY but it is down by 19% from the previous quarter
UPST's ROS has soared by 148% YoY but it is down by 15% 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 33% greater than the total liabilities
The company's total liabilities rose by 38% YoY and by 2.4% QoQ
The total assets is up by 29% year-on-year
Upstart Holdings's debt is 170% higher than its equity
Upstart Holdings's debt has increased by 36% YoY and by 4.3% QoQ
Upstart Holdings's debt to equity has increased by 26% YoY and by 14% QoQ

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