Upstart Inc.

NASDAQ: UPST · Real-Time Price · USD
48.91
1.01 (2.11%)
At close: Jun 03, 2025, 10:56 AM

Upstart Statistics

Share Statistics

Upstart has 95.14M shares outstanding. The number of shares has increased by 6.64% in one year.

Shares Outstanding 95.14M
Shares Change (YoY) 6.64%
Shares Change (QoQ) 2.72%
Owned by Institutions (%) 64.97%
Shares Floating n/a
Failed to Deliver (FTD) Shares 8
FTD / Avg. Volume n/a

Short Selling Information

The latest short interest is 20.37M, so 21.74% of the outstanding shares have been sold short.

Short Interest 20.37M
Short % of Shares Out 21.74%
Short % of Float 24.79%
Short Ratio (days to cover) 2.04

Valuation Ratios

The PE ratio is -42.83 and the forward PE ratio is 21.06. Upstart's PEG ratio is 0.86.

PE Ratio -42.83
Forward PE 21.06
PS Ratio 8.76
Forward PS 2.4
PB Ratio 8.7
P/FCF Ratio 29.69
PEG Ratio 0.86
Financial Ratio History

Enterprise Valuation

Currently the Enterprise Value (EV) is not available for Upstart.

EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 3.06, with a Debt / Equity ratio of 2.29.

Current Ratio 3.06
Quick Ratio 3.06
Debt / Equity 2.29
Debt / EBITDA -12.98
Debt / FCF 7.83
Interest Coverage -3.59

Financial Efficiency

Return on Equity is n/a and Return on Invested Capital is n/a.

Return on Equity n/a
Return on Assets n/a
Return on Invested Capital n/a
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 -0.14%

Stock Price Statistics

The stock price has increased by 98.51% in the last 52 weeks. The beta is 2.39, so Upstart's price volatility has been higher than the market average.

Beta 2.39
52-Week Price Change 98.51%
50-Day Moving Average 46.14
200-Day Moving Average 54.73
Relative Strength Index (RSI) 51.32
Average Volume (20 Days) 6,268,133

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 -132.42M
Earnings Per Share (EPS) -1.44
Full Income Statement

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 2.3B
Working Capital 586.27M
Full Balance Sheet

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
Full Cash Flow Statement

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 n/a
FCF Yield n/a
Dividend Details

Analyst Forecast

The average price target for UPST is $64.5, which is 34.7% higher than the current price. The consensus rating is "Hold".

Price Target $64.5
Price Target Difference 34.7%
Analyst Consensus Hold
Analyst Count 13
Stock Forecasts

Scores

Altman Z-Score 2.12
Piotroski F-Score 3