Upstart Holdings, Inc.
NASDAQ Global SelectTotal Valuation
Upstart Holdings, Inc. carries a market capitalization of 2.92B, placing it among publicly traded companies globally. Its enterprise value stands at 3.94B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 2.92B |
| Enterprise Value | 3.94B |
Share Statistics
Upstart Holdings, Inc. currently has 95.71M shares outstanding.
| Shares Outstanding | 95.71M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Upstart Holdings, Inc. trades at a trailing price-to-earnings ratio of 50.20. The price-to-sales ratio is 2.22, and the price-to-book ratio stands at -6.81.
| PE Ratio | 50.20 |
| PS Ratio | 2.22 |
| PB Ratio | -6.81 |
| P/TBV Ratio | 3.77 |
| P/FCF Ratio | -10.23 |
| P/OCF Ratio | -9.27 |
Enterprise Valuation
| EV / Sales | 3.53 |
| EV / EBITDA | 162.37 |
| EV / EBIT | N/A |
| EV / FCF | N/A |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 264.50 |
| Debt / EBITDA | 79.83 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | N/A |
| Return on Assets (ROA) | 1.88 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Upstart Holdings, Inc. has paid 783,000.00 in income taxes, reflecting an effective tax rate of 1.56.
| Income Tax | 783,000.00 |
| Effective Tax Rate | 1.56 |
Stock Price Statistics
Upstart Holdings, Inc.'s stock has declined approximately -44.60588% over the past 52 weeks. The 50-day moving average sits at 30.50, while the 200-day moving average is 40.98.
| Beta (5Y) | N/A |
| 52-Week Price Change | -44.60588% |
| 50-Day Moving Average | 30.50 |
| 200-Day Moving Average | 40.98 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Upstart Holdings, Inc. generated 1.12B in revenue and converted that into 49.40M in net income, yielding earnings per share of 0.47.
| Revenue | 1.12B |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 50.19M |
| Net Income | 49.40M |
| EBITDA | 24.29M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 0.47 |
Balance Sheet
Upstart Holdings, Inc. holds 474.55M in cash and equivalents against 1.94B in total debt, resulting in a net debt position of 1.45B.
| Cash & Cash Equivalents | 474.55M |
| Total Debt | 1.94B |
| Net Debt | 1.45B |
| Equity (Book Value) | -364.19M |
| Book Value Per Share | -3.77 |
| Working Capital | N/A |
Cash Flow
Upstart Holdings, Inc. produced -267.54M in operating cash flow over the past twelve months. After subtracting -3.10M in capital expenditures, free cash flow totaled -270.63M - equivalent to -2.80 per share.
| Operating Cash Flow | -267.54M |
| Capital Expenditures | -3.10M |
| Free Cash Flow | -270.63M |
| FCF Per Share | -2.80 |
Margins
Upstart Holdings, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 4.49 |
| Profit Margin | 4.42 |
| EBITDA Margin | 2.17 |
Dividends & Yields
| Dividend Per Share | N/A |
| Dividend Yield | N/A |
| Payout Ratio | N/A |
| Shareholder Yield | -18.43 |
| FCF Yield | -9.78 |
Scores
Upstart Holdings, Inc. posts an Altman Z-Score of 0.88, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.88 |