XNASUPST
Market cap5.40bUSD
Jan 08, Last price
59.22USD
1D
-1.71%
1Q
37.15%
IPO
65.56%
Name
Upstart Holdings Inc
Chart & Performance
P/E
—
P/S
10.52
EPS
—
Div Yield, %
0.00%
Shrs. gr., 5y
42.76%
Rev. gr., 5y
32.49%
Revenues
514m
-39.81%
Net income
-240m
L+120.98%
CFO
-160m
L-76.21%
Earnings
Feb 11, 2025
Profile
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | |
| Income | |||||||
Revenues | 513,562 -39.81% | 853,287 0.17% | |||||
Cost of revenue | 644,572 | 956,307 | |||||
Unusual Expense (Income) | |||||||
NOPBT | (131,010) | (103,020) | |||||
NOPBT Margin | |||||||
Operating Taxes | 107 | 409 | |||||
Tax Rate | |||||||
NOPAT | (131,117) | (103,429) | |||||
Net income | (240,132) 120.98% | (108,665) -180.23% | |||||
Dividends | |||||||
Dividend yield | |||||||
Proceeds from repurchase of equity | 178,184 | (165,545) | |||||
BB yield | -5.21% | 15.13% | |||||
| Debt | |||||||
Debt current | |||||||
Long-term debt | 1,291,522 | 1,187,968 | |||||
Deferred revenue | |||||||
Other long-term liabilities | 60,469 | 103,572 | |||||
Net debt | 917,159 | 724,307 | |||||
| Cash flow | |||||||
Cash from operating activities | (160,493) | (674,681) | |||||
CAPEX | (1,527) | (22,913) | |||||
Cash from investing activities | (118,455) | (114,125) | |||||
Cash from financing activities | 214,268 | 130,032 | |||||
FCF | (171,494) | (793,207) | |||||
| Balance | |||||||
Cash | 368,405 | 422,411 | |||||
Long term investments | 5,958 | 41,250 | |||||
Excess cash | 348,685 | 420,997 | |||||
Stockholders' equity | (282,567) | (42,436) | |||||
Invested Capital | 2,160,248 | 1,905,624 | |||||
ROIC | |||||||
ROCE | |||||||
| EV | |||||||
Common stock shares outstanding | 83,766 | 82,771 | |||||
Price | 40.86 209.08% | 13.22 -91.26% | |||||
Market cap | 3,422,675 212.79% | 1,094,236 -92.37% | |||||
EV | 4,339,834 | 1,818,543 | |||||
EBITDA | (106,107) | (89,507) | |||||
EV/EBITDA | |||||||
Interest | 34,894 | 10,843 | |||||
Interest/NOPBT | |||||||