NASDAQ : UPST
Upstart Holdings, Inc. — Key statistics
Financials · Credit Services · United States
Last price 24.84 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 2.42B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 2.24B |
| Enterprise Value | 3.84B |
Dates
| Measure | Value |
|---|
| Earnings Date | Nov 3, 2026 |
| Ex-Dividend Date | n/a |
Shares
| Measure | Value |
|---|
| Current Share Class | 97.31M |
| Shares Outstanding | 97.31M |
| Shares Change (YoY) | +14.59% |
| Shares Change (QoQ) | +13.23% |
| Owned by Insiders (%) | 14.02% |
| Owned by Institutions (%) | 64.52% |
| Float | 83.67M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 44.01 |
| Forward PE | 7.66 |
| PS Ratio | 1.74 |
| Forward PS | 1.39 |
| PB Ratio | 2.81 |
| P/TBV Ratio | 3.29 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 0.19 |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 63.64 |
| EV / Sales | 2.99 |
| EV / EBITDA | 33.37 |
| EV / EBIT | 42.91 |
| EV / FCF | n/a |
Financialposition
| Measure | Value |
|---|
| Current Ratio | 10.45 |
| Quick Ratio | 2.39 |
| Debt / Equity | 2.58 |
| Debt / EBITDA | 15.51 |
| Debt / FCF | n/a |
| Interest Coverage | 2.25 |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 7.94% |
| Return on Assets (ROA) | 1.98% |
| Return on Invested Capital (ROIC) | 3.78% |
| Return on Capital Employed (ROCE) | 3.03% |
| Weighted Average Cost of Capital (WACC) | 10.08% |
| Revenue Per Employee | $915,224 |
| Profits Per Employee | $42,942 |
| Employee Count | 1,405 |
| Asset Turnover | 0.46 |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 1.35M |
| Effective Tax Rate | 2.19% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 2.43 |
| 52-Week Price Change | -52.78% |
| 50-Day Moving Average | 25.33 |
| 200-Day Moving Average | 29.88 |
| Relative Strength Index (RSI) | 43.12 |
| Average Volume (20 Days) | 3,768,962 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 26.89M |
| Short Previous Month | 28.57M |
| Short % of Shares Out | 27.63% |
| Short % of Float | 32.13% |
| Short Ratio (days to cover) | 6.12 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 1.29B |
| Gross Profit | 1.07B |
| Operating Income | 89.48M |
| Pretax Income | 61.68M |
| Net Income | 60.33M |
| EBITDA | 115.06M |
| EBIT | 89.48M |
| Earnings Per Share (EPS) | $0.52 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 457.84M |
| Total Debt | 2.06B |
| Net Cash | -1.60B |
| Net Cash Per Share | -$16.44 |
| Equity (Book Value) | 797.49M |
| Book Value Per Share | 8.20 |
| Working Capital | 2.04B |
Cashflow
| Measure | Value |
|---|
| Operating Cash Flow | -284.01M |
| Capital Expenditures | -5.04M |
| Depreciation & Amortization | 25.58M |
| Net Borrowing | 599.11M |
| Free Cash Flow | -289.05M |
| FCF Per Share | -$2.97 |
Margins
| Measure | Value |
|---|
| Gross Margin | 83.04% |
| Operating Margin | 6.96% |
| Pretax Margin | 4.80% |
| Profit Margin | 4.69% |
| EBITDA Margin | 8.95% |
| EBIT Margin | 6.96% |
| FCF Margin | n/a |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | -14.59% |
| Shareholder Yield | -14.59% |
| Earnings Yield | 2.27% |
| FCF Yield | -12.90% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | $37.94 |
| Price Target Difference | 64.81% |
| Analyst Consensus | Buy |
| Analyst Count | 16 |
| Revenue Growth Forecast (3Y) | 29.60% |
| EPS Growth Forecast (3Y) | 35.38% |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Measure | Value |
|---|
| Altman Z-Score | 2.23 |
| Piotroski F-Score | 4 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |