Price Alert

Upstart Inc. (UPST)

NASDAQ: UPST · Real-Time Price · USD

63.83

-3.00 (-4.49%)

At close: Aug 14, 2025, 3:59 PM

63.96

0.20%

Pre-market: Aug 15, 2025, 09:01 AM EDT

Upstart Statistics

Share Statistics

Upstart has 96.22M shares outstanding. The number of shares has increased by 6.29% in one year.

Shares Outstanding	96.22M
Shares Change (YoY)	6.29%
Shares Change (QoQ)	1.53%
Owned by Institutions (%)	62.84%
Shares Floating	83.36M
Failed to Deliver (FTD) Shares	35,233
FTD / Avg. Volume	0.58%

Short Selling Information

The latest short interest is 18.61M, so 19.85% of the outstanding shares have been sold short.

Short Interest	18.61M
Short % of Shares Out	19.85%
Short % of Float	22.64%
Short Ratio (days to cover)	2.98

Valuation Ratios

The PE ratio is -42.83 and the forward PE ratio is 28.59. Upstart's PEG ratio is 0.86.

PE Ratio	-42.83
Forward PE	28.59
PS Ratio	8.76
Forward PS	4.6
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 2.43.

Current Ratio	3.06
Quick Ratio	3.06
Debt / Equity	2.43
Debt / EBITDA	-13.76
Debt / FCF	8.3
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	$527.1K
Profits Per Employee	$-107.78K
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 85.75% 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	85.75%
50-Day Moving Average	68
200-Day Moving Average	61.43
Relative Strength Index (RSI)	41.55
Average Volume (20 Days)	6,080,314

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 1.54B in debt, giving a net cash position of -751.35M.

Cash & Cash Equivalents	788.42M
Total Debt	1.54B
Net Cash	-751.35M
Retained Earnings	-411.16M
Total Assets	2.48B
Working Capital	341.57M

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 $80.5, which is 26.8% higher than the current price. The consensus rating is "Hold".

Price Target	$80.5
Price Target Difference	26.8%
Analyst Consensus	Hold
Analyst Count	13

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Scores

Altman Z-Score	2.5
Piotroski F-Score	1