Upstart Holdings Statistics

Total Valuation

UPST has a market cap or net worth of $3.14 billion. The enterprise value is $4.41 billion.

Market Cap	3.14B
Enterprise Value	4.41B

Important Dates

The next confirmed earnings date is Tuesday, May 5, 2026, after market close.

Earnings Date	May 5, 2026
Ex-Dividend Date	n/a

Share Statistics

UPST has 95.71 million shares outstanding. The number of shares has increased by 20.17% in one year.

Current Share Class	95.71M
Shares Outstanding	95.71M
Shares Change (YoY)	+20.17%
Shares Change (QoQ)	+2.28%
Owned by Insiders (%)	12.84%
Owned by Institutions (%)	67.38%
Float	78.41M

Valuation Ratios

The trailing PE ratio is 73.05 and the forward PE ratio is 14.55. UPST's PEG ratio is 0.38.

PE Ratio	73.05
Forward PE	14.55
PS Ratio	2.95
Forward PS	2.19
PB Ratio	4.06
P/TBV Ratio	4.63
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.38

Financial Ratio History

Enterprise Valuation

EV / Earnings	82.33
EV / Sales	4.10
EV / EBITDA	44.52
EV / EBIT	59.40
EV / FCF	n/a

Financial Position

The company has a current ratio of 13.10, with a Debt / Equity ratio of 2.37.

Current Ratio	13.10
Quick Ratio	4.14
Debt / Equity	2.37
Debt / EBITDA	16.19
Debt / FCF	n/a
Interest Coverage	2.35

Financial Efficiency

Return on equity (ROE) is 7.49% and return on invested capital (ROIC) is 3.46%.

Return on Equity (ROE)	7.49%
Return on Assets (ROA)	1.74%
Return on Invested Capital (ROIC)	3.46%
Return on Capital Employed (ROCE)	2.65%
Weighted Average Cost of Capital (WACC)	10.72%
Revenue Per Employee	$765,495
Profits Per Employee	$38,150
Employee Count	1,405
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, UPST has paid $728,000 in taxes.

Income Tax	728,000
Effective Tax Rate	1.34%

Stock Price Statistics

The stock price has decreased by -32.50% in the last 52 weeks. The beta is 2.16, so UPST's price volatility has been higher than the market average.

Beta (5Y)	2.16
52-Week Price Change	-32.50%
50-Day Moving Average	28.72
200-Day Moving Average	47.87
Relative Strength Index (RSI)	58.18
Average Volume (20 Days)	4,205,494

Short Selling Information

The latest short interest is 27.87 million, so 29.12% of the outstanding shares have been sold short.

Short Interest	27.87M
Short Previous Month	27.64M
Short % of Shares Out	29.12%
Short % of Float	35.55%
Short Ratio (days to cover)	6.02

Income Statement

In the last 12 months, UPST had revenue of $1.08 billion and earned $53.60 million in profits. Earnings per share was $0.45.

Revenue	1.08B
Gross Profit	887.14M
Operating Income	74.30M
Pretax Income	54.33M
Net Income	53.60M
EBITDA	99.13M
EBIT	74.30M
Earnings Per Share (EPS)	$0.45

Full Income Statement

Balance Sheet

The company has $657.67 million in cash and $1.90 billion in debt, giving a net cash position of -$1.24 billion or -$12.95 per share.

Cash & Cash Equivalents	657.67M
Total Debt	1.90B
Net Cash	-1.24B
Net Cash Per Share	-$12.95
Equity (Book Value)	798.82M
Book Value Per Share	8.15
Working Capital	2.06B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -$147.73 million and capital expenditures -$347,000, giving a free cash flow of -$148.07 million.

Operating Cash Flow	-147.73M
Capital Expenditures	-347,000
Depreciation & Amortization	24.84M
Net Borrowing	438.13M
Free Cash Flow	-148.07M
FCF Per Share	-$1.55

Full Cash Flow Statement

Margins

Gross margin is 82.49%, with operating and profit margins of 6.91% and 4.98%.

Gross Margin	82.49%
Operating Margin	6.91%
Pretax Margin	5.05%
Profit Margin	4.98%
EBITDA Margin	9.22%
EBIT Margin	6.91%
FCF Margin	n/a

Dividends & Yields

UPST does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-20.17%
Shareholder Yield	-20.17%
Earnings Yield	1.69%
FCF Yield	-4.67%

Analyst Forecast

The average price target for UPST is $45.84, which is 39.50% higher than the current price. The consensus rating is "Buy".

Price Target	$45.84
Price Target Difference	39.50%
Analyst Consensus	Buy
Analyst Count	16
Revenue Growth Forecast (5Y)	32.94%
EPS Growth Forecast (5Y)	77.00%

Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

UPST has an Altman Z-Score of 2.6 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.6
Piotroski F-Score	4