Upstart Holdings Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2017
Period Ending	Dec '25 Dec 4, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2017
Market Capitalization	24,617	34,740	16,864	5,722	69,090	15,334	Upgrade
Market Cap Growth	-34.19%	106.00%	194.70%	-91.72%	350.56%	-	Upgrade
Enterprise Value	32,497	38,381	20,425	7,490	67,307	16,502	Upgrade
Last Close Price	12.82	21.11	10.88	3.55	-	-	Upgrade
PE Ratio	143.41	-	-	-	91.55	-	Upgrade
PS Ratio	4.63	8.30	6.34	1.27	14.56	12.23	Upgrade
PB Ratio	6.21	8.87	5.47	1.61	15.36	9.83	Upgrade
P/TBV Ratio	7.34	10.68	6.61	1.93	17.55	10.04	Upgrade
P/FCF Ratio	-	30.28	-	-	77.54	205.88	Upgrade
P/OCF Ratio	-	30.15	-	-	73.66	188.11	Upgrade
EV/Sales Ratio	6.02	9.17	7.68	1.66	14.18	13.16	Upgrade
EV/EBITDA Ratio	65.88	-	-	-	78.99	143.98	Upgrade
EV/EBIT Ratio	120.13	-	-	-	83.09	160.55	Upgrade
EV/FCF Ratio	-16.60	33.45	-	-	75.54	221.55	Upgrade
Debt / Equity Ratio	2.62	2.43	1.96	1.62	0.99	0.27	Upgrade
Debt / EBITDA Ratio	21.41	-	-	-	4.90	2.86	Upgrade
Debt / FCF Ratio	-	8.30	-	-	4.98	5.72	Upgrade
Asset Turnover	0.42	0.31	0.28	0.45	0.74	0.56	Upgrade
Quick Ratio	5.40	6.21	5.49	6.44	9.38	5.21	Upgrade
Current Ratio	22.27	13.90	22.19	21.90	13.81	8.50	Upgrade
Return on Equity (ROE)	4.81%	-20.27%	-36.73%	-14.69%	24.46%	2.78%	Upgrade
Return on Assets (ROA)	1.32%	-3.78%	-7.01%	-3.43%	7.91%	2.84%	Upgrade
Return on Capital (ROIC)	1.44%	-4.08%	-7.61%	-3.83%	9.16%	3.46%	Upgrade
Return on Capital Employed (ROCE)	1.80%	-5.90%	-11.40%	-5.50%	8.50%	4.60%	Upgrade
Earnings Yield	0.70%	-2.29%	-6.91%	-10.04%	1.09%	0.20%	Upgrade
FCF Yield	-7.95%	3.30%	-3.26%	-61.59%	1.29%	0.49%	Upgrade
Buyback Yield / Dilution	-16.73%	-6.79%	-1.20%	12.66%	-441.13%	-22.17%	Upgrade

Source: S&P Capital IQ. Standard template. Financial Sources.