Upstart Inc. (UPST)
Upstart Statistics
Share Statistics
Upstart has 93.71M shares outstanding. The number of shares has increased by 5.55% in one year.
| Shares Outstanding | 93.71M |
| Shares Change (YoY) | 5.55% |
| Shares Change (QoQ) | 1.92% |
| Owned by Institutions (%) | 65.44% |
| Shares Floating | 81.31M |
| Failed to Deliver (FTD) Shares | 441 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 19.32M, so 21.18% of the outstanding shares have been sold short.
| Short Interest | 19.32M |
| Short % of Shares Out | 21.18% |
| Short % of Float | 24.5% |
| Short Ratio (days to cover) | 3.96 |
Valuation Ratios
The PE ratio is -42.83 and the forward PE ratio is 111.53. Upstart's PEG ratio is 0.86.
| PE Ratio | -42.83 |
| Forward PE | 111.53 |
| PS Ratio | 8.76 |
| Forward PS | 2.4 |
| PB Ratio | 8.7 |
| P/FCF Ratio | 29.69 |
| PEG Ratio | 0.86 |
Enterprise Valuation
Upstart Inc. has an Enterprise Value (EV) of 4.2B.
| EV / Earnings | -32.66 |
| EV / Sales | 6.68 |
| EV / EBITDA | -37.53 |
| EV / EBIT | -24.29 |
| EV / FCF | 22.64 |
Financial Position
The company has a current ratio of 2.75, with a Debt / Equity ratio of 2.29.
| Current Ratio | 2.75 |
| Quick Ratio | 2.75 |
| Debt / Equity | 2.29 |
| Total Debt / Capitalization | 69.64 |
| Cash Flow / Debt | 0.13 |
| Interest Coverage | -3.59 |
Financial Efficiency
Return on equity (ROE) is -0.2% and return on capital (ROIC) is -8.3%.
| Return on Equity (ROE) | -0.2% |
| Return on Assets (ROA) | -0.05% |
| Return on Capital (ROIC) | -8.3% |
| Revenue Per Employee | $527,103.1 |
| Profits Per Employee | $-107,779.55 |
| Employee Count | 1,193 |
| Asset Turnover | 0.27 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 185K |
| Effective Tax Rate | 0 |
Stock Price Statistics
The stock price has increased by 82.52% in the last 52 weeks. The beta is 2.25, so Upstart's price volatility has been higher than the market average.
| Beta | 2.25 |
| 52-Week Price Change | 82.52% |
| 50-Day Moving Average | 63.14 |
| 200-Day Moving Average | 50.39 |
| Relative Strength Index (RSI) | 39.44 |
| Average Volume (20 Days) | 5.76M |
Income Statement
In the last 12 months, Upstart had revenue of 628.83M and earned -128.58M in profits. Earnings per share was -1.44.
| Revenue | 628.83M |
| Gross Profit | 628.83M |
| Operating Income | -172.86M |
| Net Income | -128.58M |
| EBITDA | -111.87M |
| EBIT | -172.86M |
| Earnings Per Share (EPS) | -1.44 |
Balance Sheet
The company has 788.42M in cash and 1.45B in debt, giving a net cash position of -664.02M.
| Cash & Cash Equivalents | 788.42M |
| Total Debt | 1.45B |
| Net Cash | -664.02M |
| Retained Earnings | -411.16M |
| Total Assets | 2.37B |
| Working Capital | 620.78M |
Cash Flow
In the last 12 months, operating cash flow was 186.33M and capital expenditures -837K, giving a free cash flow of 185.49M.
| Operating Cash Flow | 186.33M |
| Capital Expenditures | -837K |
| Free Cash Flow | 185.49M |
| FCF Per Share | 2.07 |
Margins
Gross margin is 100%, with operating and profit margins of -27.49% and -20.45%.
| Gross Margin | 100% |
| Operating Margin | -27.49% |
| Pretax Margin | -20.42% |
| Profit Margin | -20.45% |
| EBITDA Margin | -17.79% |
| EBIT Margin | -27.49% |
| FCF Margin | 29.5% |
Dividends & Yields
UPST does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | -2.93% |
| FCF Yield | 4.03% |
Analyst Forecast
The average price target for UPST is $86, which is 75.2% higher than the current price. The consensus rating is "Hold".
| Price Target | $86 |
| Price Target Difference | 75.2% |
| Analyst Consensus | Hold |
| Analyst Count | 14 |
Scores
| Altman Z-Score | 1.94 |
| Piotroski F-Score | 3 |