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UPST Upstart Holdings Inc
Price (delayed)
$71.43
Market cap
$6.52B
P/E Ratio
N/A
Dividend/share
N/A
EPS
-$1.92
Enterprise value
$6.9B
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 37% YoY and by 18% QoQ
UPST's net income is up by 34% year-on-year and by 17% since the previous quarter
The equity has declined by 7% year-on-year
Key stats
What are the main financial stats of UPST
Market
Valuations
Earnings
Shares outstanding
91.23M
Market cap
$6.52B
Enterprise value
$6.9B
Price to earnings (P/E)
N/A
Price to book (P/B)
10.74
Price to sales (P/S)
11.54
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
12.37
Revenue
$557.88M
EBIT
-$168.09M
EBITDA
-$143.13M
Free cash flow
$145.31M
Per share
Balance sheet
Liquidity
EPS
-$1.92
Free cash flow per share
$1.61
Book value per share
$6.65
Revenue per share
$6.19
TBVPS
$19.33
Total assets
$1.81B
Total liabilities
$1.21B
Debt
$1.04B
Equity
$595.54M
Working capital
N/A
Debt to equity
1.75
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.69
Margins
Efficiency
Dividend
EBITDA margin
-25.7%
Gross margin
100%
Net margin
-30.2%
Operating margin
-38.6%
Return on assets
-8.9%
Return on equity
-27.6%
Return on invested capital
-6.9%
Return on capital employed
N/A
Return on sales
-30.1%
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
1.46%
1 week
6%
1 month
35.95%
1 year
200.38%
YTD
74.82%
QTD
78.53%
Financial performance
How have Upstart Holdings's revenue and profit performed over time
Revenue
$557.88M
Gross profit
$557.88M
Operating income
-$215.61M
Net income
-$168.22M
Gross margin
100%
Net margin
-30.2%
Upstart Holdings's net margin has increased by 38% YoY and by 21% QoQ
UPST's net income is up by 34% year-on-year and by 17% since the previous quarter
The company's operating margin rose by 25% YoY and by 4.5% QoQ
Upstart Holdings's operating income has increased by 19% 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
10.74
P/S
11.54
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
12.37
UPST's EPS is up by 37% YoY and by 18% QoQ
The price to book (P/B) is 129% more than the last 4 quarters average of 4.7 and 15% more than the 5-year quarterly average of 9.3
The equity has declined by 7% year-on-year
UPST's P/S is 114% above its last 4 quarters average of 5.4 and 17% above its 5-year quarterly average of 9.9
The revenue has grown by 7% YoY and by 5% from the previous quarter
Efficiency
How efficient is Upstart Holdings business performance
UPST's ROS is up by 38% YoY and by 21% QoQ
UPST's ROIC is up by 35% YoY and by 13% from the previous quarter
The return on assets is up by 34% year-on-year and by 14% since the previous quarter
UPST's return on equity is up by 30% year-on-year and by 15% 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 49% greater than the total liabilities
The company's total liabilities fell by 11% YoY
The total assets has declined by 10% year-on-year
Upstart Holdings's debt is 75% higher than its equity
Upstart Holdings's debt has decreased by 17% YoY and by 3.9% QoQ
Upstart Holdings's debt to equity has decreased by 10% YoY and by 3.8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.