Upstart Statistics
Share Statistics
Upstart has 91.23M shares outstanding. The number of shares has increased by 5.24% in one year.
| Shares Outstanding | 91.23M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 1.86% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 78.77M |
| Failed to Deliver (FTD) Shares | 68.86K |
| FTD / Avg. Volume | 0.86% |
Short Selling Information
The latest short interest is 22.48M, so 24.64% of the outstanding shares have been sold short.
| Short Interest | 22.48M |
| Short % of Shares Out | 24.64% |
| Short % of Float | 28.57% |
| Short Ratio (days to cover) | 3.42 |
Valuation Ratios
The PE ratio is -14.25 and the forward PE ratio is 185.53.
| PE Ratio | -14.25 |
| Forward PE | 185.53 |
| PS Ratio | 6.66 |
| Forward PS | 10.6 |
| PB Ratio | 5.39 |
| P/FCF Ratio | -19.83 |
| PEG Ratio | n/a |
Enterprise Valuation
Upstart Inc. has an Enterprise Value (EV) of 4.20B.
| EV / Earnings | -17.49 |
| EV / Sales | 8.18 |
| EV / EBITDA | -19.52 |
| EV / EBIT | -16.37 |
| EV / FCF | -24.33 |
Financial Position
The company has a current ratio of 11.76, with a Debt / Equity ratio of 1.86.
| Current Ratio | 11.76 |
| Quick Ratio | 11.76 |
| Debt / Equity | 1.86 |
| Total Debt / Capitalization | 65.04 |
| Cash Flow / Debt | -0.14 |
| Interest Coverage | -7.35 |
Financial Efficiency
Return on equity (ROE) is -0.38% and return on capital (ROIC) is -13.76%.
| Return on Equity (ROE) | -0.38% |
| Return on Assets (ROA) | -0.12% |
| Return on Capital (ROIC) | -13.76% |
| Revenue Per Employee | 370.00K |
| Profits Per Employee | -173.01K |
| Employee Count | 1.39K |
| Asset Turnover | 0.25 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 107.00K |
| Effective Tax Rate | 0 |
Stock Price Statistics
The stock price has increased by 89.87% in the last 52 weeks. The beta is 1.98, so Upstart 's price volatility has been higher than the market average.
| Beta | 1.98 |
| 52-Week Price Change | 89.87% |
| 50-Day Moving Average | 61.02 |
| 200-Day Moving Average | 36.58 |
| Relative Strength Index (RSI) | 59.29 |
| Average Volume (20 Days) | 8.03M |
Income Statement
In the last 12 months, Upstart had revenue of $513.56M and earned -$240.13M in profits. Earnings per share was $-2.87.
| Revenue | 513.56M |
| Gross Profit | 488.66M |
| Operating Income | -256.52M |
| Net Income | -240.13M |
| EBITDA | -215.12M |
| EBIT | -256.52M |
| Earnings Per Share (EPS) | -2.87 |
Balance Sheet
The company has $368.40M in cash and $1.23B in debt, giving a net cash position of -$860.79M.
| Cash & Cash Equivalents | 368.40M |
| Total Debt | 1.23B |
| Net Cash | -860.79M |
| Retained Earnings | -282.58M |
| Total Assets | 1.81B |
| Working Capital | 557.19M |
Cash Flow
In the last 12 months, operating cash flow was -$160.49M and capital expenditures -$1.53M, giving a free cash flow of -$172.58M.
| Operating Cash Flow | -160.49M |
| Capital Expenditures | -1.53M |
| Free Cash Flow | -172.58M |
| FCF Per Share | -2.06 |
Margins
Gross margin is 95.15%, with operating and profit margins of -49.95% and -46.76%.
| Gross Margin | 95.15% |
| Operating Margin | -49.95% |
| Pretax Margin | -46.74% |
| Profit Margin | -46.76% |
| EBITDA Margin | -41.89% |
| EBIT Margin | -49.95% |
| FCF Margin | -33.6% |
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 | -3.4% |
| FCF Yield | -2.24% |
Analyst Forecast
The average price target for UPST is $60, which is -29% lower than the current price. The consensus rating is "Hold".
| Price Target | $60 |
| Price Target Difference | -29% |
| Analyst Consensus | Hold |
| Analyst Count | 11 |
Scores
| Altman Z-Score | 3.53 |
| Piotroski F-Score | 5 |