XNAS
UPST
Market cap3.26bUSD
Apr 04, Last price
34.80USD
1D
-10.05%
1Q
-45.69%
IPO
-2.71%
Name
Upstart Holdings Inc
Chart & Performance
P/E
—
P/S
5.19
EPS
—
Div Yield, %
—
Shrs. gr., 5y
4.06%
Rev. gr., 5y
26.95%
Revenues
629m
+22.45%
Net income
-129m
L-46.45%
CFO
186m
P
Earnings
May 05, 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 | FY |
|---|---|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | |
| Income | ||||||||
Revenues | 628,834 22.45% | 513,562 -39.81% | 853,287 0.17% | |||||
Cost of revenue | 555,731 | 644,572 | 956,307 | |||||
Unusual Expense (Income) | ||||||||
NOPBT | 73,103 | (131,010) | (103,020) | |||||
NOPBT Margin | 11.63% | |||||||
Operating Taxes | 185 | 107 | 409 | |||||
Tax Rate | 0.25% | |||||||
NOPAT | 72,918 | (131,117) | (103,429) | |||||
Net income | (128,581) -46.45% | (240,132) 120.98% | (108,665) -180.23% | |||||
Dividends | ||||||||
Dividend yield | ||||||||
Proceeds from repurchase of equity | (22) | 178,184 | (165,545) | |||||
BB yield | 0.00% | -5.21% | 15.13% | |||||
| Debt | ||||||||
Debt current | 195,605 | |||||||
Long-term debt | 1,256,841 | 1,291,522 | 1,187,968 | |||||
Deferred revenue | ||||||||
Other long-term liabilities | 391,305 | 60,469 | 103,572 | |||||
Net debt | 581,524 | 917,159 | 724,307 | |||||
| Cash flow | ||||||||
Cash from operating activities | 186,331 | (160,493) | (674,681) | |||||
CAPEX | (837) | (1,527) | (22,913) | |||||
Cash from investing activities | (237,726) | (118,455) | (114,125) | |||||
Cash from financing activities | 559,871 | 214,268 | 130,032 | |||||
FCF | 1,187,722 | (171,494) | (793,207) | |||||
| Balance | ||||||||
Cash | 829,672 | 368,405 | 422,411 | |||||
Long term investments | 41,250 | 5,958 | 41,250 | |||||
Excess cash | 839,480 | 348,685 | 420,997 | |||||
Stockholders' equity | (411,148) | (282,567) | (42,436) | |||||
Invested Capital | 2,618,231 | 2,160,248 | 1,905,624 | |||||
ROIC | 3.05% | |||||||
ROCE | 3.31% | |||||||
| EV | ||||||||
Common stock shares outstanding | 89,450 | 83,766 | 82,771 | |||||
Price | 61.57 50.69% | 40.86 209.08% | 13.22 -91.26% | |||||
Market cap | 5,507,439 60.91% | 3,422,675 212.79% | 1,094,236 -92.37% | |||||
EV | 6,088,963 | 4,339,834 | 1,818,543 | |||||
EBITDA | 93,652 | (106,107) | (89,507) | |||||
EV/EBITDA | 65.02 | |||||||
Interest | 48,127 | 34,894 | 10,843 | |||||
Interest/NOPBT | 65.83% | |||||||