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XNAS
UPST
Market cap3.63bUSD
Apr 03, Last price  
38.75USD
1D
-18.64%
1Q
-39.53%
IPO
8.33%
Name

Upstart Holdings Inc

Chart & Performance

D1W1MN
P/E
P/S
5.77
EPS
Div Yield, %
Shrs. gr., 5y
4.06%
Rev. gr., 5y
26.95%
Revenues
629m
+22.45%
66,709,000125,796,000190,674,000241,442,000851,863,000853,287,000513,562,000628,834,000
Net income
-129m
L-46.45%
-7,717,000-12,319,000-466,0005,983,000135,443,000-108,665,000-240,132,000-128,581,000
CFO
186m
P
10,357,00050,338,00031,582,00015,697,000168,353,000-674,681,000-160,493,000186,331,000
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.
IPO date
Dec 16, 2020
Employees
1,875
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑12
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%