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5-day change | 1st Jan Change | ||
75.62 USD | -4.31% |
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+2.44% | +22.82% |
Jul. 10 | Upstart Holdings Insider Sold Shares Worth $400,210, According to a Recent SEC Filing | MT |
Jul. 09 | Upstart Holdings, Inc., Q1 2025 Earnings Call, May 06, 2025 |
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
Return on Assets | 2.84 | 7.91 | -3.43 | -7.01 | -3.78 | |||
Return on Total Capital | 3.46 | 9.15 | -3.83 | -7.61 | -4.08 | |||
Return On Equity % | 2.78 | 24.46 | -14.69 | -36.72 | -20.27 | |||
Return on Common Equity | 0 | 24.46 | -14.69 | -36.72 | -20.27 | |||
Margin Analysis | ||||||||
Gross Profit Margin % | 84.43 | 86.2 | 77.97 | 72.57 | 76.66 | |||
SG&A Margin | 60.17 | 53.4 | 62.24 | 61.91 | 58.75 | |||
EBITDA Margin % | 9.14 | 17.68 | -10.49 | -35.87 | -16.53 | |||
EBITA Margin % | 8.2 | 17.17 | -11.57 | -39.63 | -19.56 | |||
EBIT Margin % | 8.2 | 17.07 | -12.07 | -40.41 | -19.56 | |||
Income From Continuing Operations Margin % | 2.31 | 15.9 | -12.73 | -43.78 | -18.99 | |||
Net Income Margin % | 2.48 | 15.9 | -12.73 | -43.78 | -18.99 | |||
Net Avail. For Common Margin % | 0 | 15.9 | -12.73 | -43.78 | -18.99 | |||
Normalized Net Income Margin | 0.34 | 10.29 | -7.99 | -27.35 | -14.93 | |||
Levered Free Cash Flow Margin | 69.89 | -11.25 | -75.96 | -19.68 | 46.72 | |||
Unlevered Free Cash Flow Margin | 71.96 | -11.01 | -75.17 | -15.35 | 50.28 | |||
Asset Turnover | ||||||||
Asset Turnover | 0.55 | 0.74 | 0.45 | 0.28 | 0.31 | |||
Fixed Assets Turnover | 11.4 | 13.18 | 8.13 | 6.48 | 11.52 | |||
Receivables Turnover (Average Receivables) | - | - | - | 12.86 | 14.32 | |||
Short Term Liquidity | ||||||||
Current Ratio | 7.77 | 12.48 | 17.61 | 18.23 | 13.9 | |||
Quick Ratio | 4.76 | 8.48 | 4.8 | 4.44 | 6.21 | |||
Operating Cash Flow to Current Liabilities | 0.3 | 1.45 | -7.67 | -1.74 | 1.37 | |||
Days Sales Outstanding (Average Receivables) | - | - | - | 28.38 | 25.55 | |||
Average Days Payable Outstanding | 99.02 | 31.57 | 24.54 | 38.01 | 28.95 | |||
Long Term Solvency | ||||||||
Total Debt/Equity | 27.33 | 98.6 | 161.68 | 195.84 | 243.17 | |||
Total Debt / Total Capital | 21.46 | 49.65 | 61.79 | 66.2 | 70.86 | |||
LT Debt/Equity | 25.82 | 97.21 | 159.43 | 193.48 | 240.73 | |||
Long-Term Debt / Total Capital | 20.28 | 48.95 | 60.93 | 65.4 | 70.15 | |||
Total Liabilities / Total Assets | 37.09 | 55.67 | 65.27 | 68.5 | 73.25 | |||
EBIT / Interest Expense | 2.47 | 44.41 | -9.5 | -5.83 | -3.03 | |||
EBITDA / Interest Expense | 3.57 | 48.87 | -6.45 | -4.66 | -2.15 | |||
(EBITDA - Capex) / Interest Expense | 3.41 | 46.29 | -7.26 | -4.7 | -2.17 | |||
Total Debt / EBITDA | 2.86 | 4.97 | -15.55 | -7.03 | -16.4 | |||
Net Debt / EBITDA | -5.88 | -1.19 | -9.51 | -4.95 | -7.93 | |||
Total Debt / (EBITDA - Capex) | 3 | 5.25 | -13.81 | -6.97 | -16.25 | |||
Net Debt / (EBITDA - Capex) | -6.17 | -1.26 | -8.44 | -4.91 | -7.86 | |||
Growth Over Prior Year | ||||||||
Total Revenues, 1 Yr. Growth % | 26.63 | 252.82 | 0.17 | -35.72 | 23.43 | |||
Gross Profit, 1 Yr. Growth % | 23.01 | 260.19 | -9.4 | -40.17 | 30.38 | |||
EBITDA, 1 Yr. Growth % | -2.71 | 582.33 | -158.53 | 119.79 | -43.13 | |||
EBITA, 1 Yr. Growth % | -9.67 | 638.96 | -166.39 | 120.15 | -39.07 | |||
EBIT, 1 Yr. Growth % | -9.67 | 634.64 | -170.86 | 115.13 | -40.25 | |||
Earnings From Cont. Operations, 1 Yr. Growth % | -211.14 | 2.33K | -180.23 | 120.98 | -46.45 | |||
Net Income, 1 Yr. Growth % | -1.38K | 2.16K | -180.23 | 120.98 | -46.45 | |||
Normalized Net Income, 1 Yr. Growth % | -44.61 | 10.72K | -177.82 | 120.06 | -32.61 | |||
Diluted EPS Before Extra, 1 Yr. Growth % | - | - | -191.81 | 118.61 | -49.83 | |||
Accounts Receivable, 1 Yr. Growth % | - | - | - | -13.21 | 19.12 | |||
Net Property, Plant and Equip., 1 Yr. Growth % | 11.6 | 378.37 | -3.53 | -35.94 | -22.08 | |||
Total Assets, 1 Yr. Growth % | 21.3 | 281.44 | 6.35 | 4.19 | 17.34 | |||
Tangible Book Value, 1 Yr. Growth % | -553.3 | 140.14 | -20.42 | -6.54 | 0.03 | |||
Common Equity, 1 Yr. Growth % | -578.76 | 168.8 | -16.68 | -5.52 | -0.33 | |||
Cash From Operations, 1 Yr. Growth % | -50.3 | 972.52 | -500.75 | -76.21 | -266.8 | |||
Capital Expenditures, 1 Yr. Growth % | -66.16 | 521.92 | 4.72 | -82.7 | -45.19 | |||
Levered Free Cash Flow, 1 Yr. Growth % | -38.79 | -156.82 | 576.1 | -84.51 | -357.53 | |||
Unlevered Free Cash Flow, 1 Yr. Growth % | -40.54 | -154 | 583.62 | -87.76 | -433.13 | |||
Compound Annual Growth Rate Over Two Years | ||||||||
Total Revenues, 2 Yr. CAGR % | 38.54 | 111.37 | 87.99 | -19.76 | -10.93 | |||
Gross Profit, 2 Yr. CAGR % | 35.9 | 110.49 | 80.65 | -26.37 | -11.68 | |||
EBITDA, 2 Yr. CAGR % | 8.27 | 157.65 | 101.39 | 13.42 | 11.8 | |||
EBITA, 2 Yr. CAGR % | 3.4 | 158.36 | 123.34 | 20.94 | 15.82 | |||
EBIT, 2 Yr. CAGR % | 3.4 | 157.6 | 128.15 | 23.47 | 13.38 | |||
Earnings From Cont. Operations, 2 Yr. CAGR % | -29.48 | 419.43 | 341.33 | 33.15 | 8.78 | |||
Net Income, 2 Yr. CAGR % | -30.31 | 1.6K | 326.17 | 33.15 | 8.78 | |||
Normalized Net Income, 2 Yr. CAGR % | -68.4 | 674.17 | 817.26 | 33.36 | 21.78 | |||
Diluted EPS Before Extra, 2 Yr. CAGR % | - | 563.26 | - | 41.67 | 4.73 | |||
Accounts Receivable, 2 Yr. CAGR % | - | - | - | - | 1.68 | |||
Net Property, Plant and Equip., 2 Yr. CAGR % | 1.38K | 131.05 | 114.82 | -21.39 | -29.35 | |||
Total Assets, 2 Yr. CAGR % | -14.04 | 115.1 | 101.41 | 5.26 | 10.57 | |||
Tangible Book Value, 2 Yr. CAGR % | 107.91 | 229.93 | 38.24 | -13.76 | -3.31 | |||
Common Equity, 2 Yr. CAGR % | 112.21 | 258.74 | 49.65 | -11.28 | -2.96 | |||
Cash From Operations, 2 Yr. CAGR % | -44.16 | 130.88 | 555.6 | -2.36 | -46.78 | |||
Capital Expenditures, 2 Yr. CAGR % | 202.58 | 45.07 | 155.2 | -57.43 | -69.2 | |||
Levered Free Cash Flow, 2 Yr. CAGR % | - | -41.03 | 95.99 | 5.63 | -32.48 | |||
Unlevered Free Cash Flow, 2 Yr. CAGR % | - | -43.33 | 92.13 | -5.27 | -29.67 | |||
Compound Annual Growth Rate Over Three Years | ||||||||
Total Revenues, 3 Yr. CAGR % | 53.54 | 89.19 | 64.79 | 31.45 | -7.37 | |||
Gross Profit, 3 Yr. CAGR % | 53.4 | 88.07 | 58.93 | 24.99 | -10.92 | |||
EBITDA, 3 Yr. CAGR % | 123.49 | 99.99 | 58.02 | 107.35 | -9.9 | |||
EBITA, 3 Yr. CAGR % | 119.01 | 99.16 | 65.17 | 122.27 | -3.77 | |||
EBIT, 3 Yr. CAGR % | 119.01 | 98.78 | 67.53 | 123.73 | -3.07 | |||
Earnings From Cont. Operations, 3 Yr. CAGR % | -14.29 | 129.41 | 178.69 | 250.45 | -1.72 | |||
Net Income, 3 Yr. CAGR % | -8.13 | 122.36 | 515.51 | 242.38 | -1.72 | |||
Normalized Net Income, 3 Yr. CAGR % | -43.07 | 121.09 | 259.87 | 469.95 | 6.22 | |||
Diluted EPS Before Extra, 3 Yr. CAGR % | - | 17.93 | 243.1 | - | 0.23 | |||
Net Property, Plant and Equip., 3 Yr. CAGR % | - | 915.69 | 72.69 | 43.52 | -21.62 | |||
Total Assets, 3 Yr. CAGR % | - | 41.25 | 70.09 | 61.68 | 9.14 | |||
Tangible Book Value, 3 Yr. CAGR % | - | 118.14 | 105.38 | 21.33 | -9.39 | |||
Common Equity, 3 Yr. CAGR % | - | 129.61 | 120.51 | 28.38 | -7.77 | |||
Cash From Operations, 3 Yr. CAGR % | 14.87 | 49.55 | 177.47 | 117.04 | 3.44 | |||
Capital Expenditures, 3 Yr. CAGR % | - | 284.71 | 30.14 | 4.06 | -53.69 | |||
Levered Free Cash Flow, 3 Yr. CAGR % | - | - | 32.98 | -13.84 | 48.42 | |||
Unlevered Free Cash Flow, 3 Yr. CAGR % | - | - | 29.96 | -21.46 | 53.65 | |||
Compound Annual Growth Rate Over Five Years | ||||||||
Total Revenues, 5 Yr. CAGR % | - | - | 66.49 | 34.24 | 28.84 | |||
Gross Profit, 5 Yr. CAGR % | - | - | 63.77 | 29.24 | 25.65 | |||
EBITDA, 5 Yr. CAGR % | - | - | 114.37 | 59.89 | 37.59 | |||
EBITA, 5 Yr. CAGR % | - | - | 120.73 | 63.66 | 43.31 | |||
EBIT, 5 Yr. CAGR % | - | - | 122.62 | 64.3 | 43.31 | |||
Earnings From Cont. Operations, 5 Yr. CAGR % | - | - | 65.09 | 84.55 | 91.29 | |||
Net Income, 5 Yr. CAGR % | - | - | 69.72 | 81.12 | 207.72 | |||
Normalized Net Income, 5 Yr. CAGR % | - | - | 73.07 | 79.23 | 133.3 | |||
Diluted EPS Before Extra, 5 Yr. CAGR % | - | - | 18.74 | 26.9 | 113.44 | |||
Net Property, Plant and Equip., 5 Yr. CAGR % | - | - | - | 264.97 | 20.79 | |||
Total Assets, 5 Yr. CAGR % | - | - | - | 25.58 | 43.17 | |||
Tangible Book Value, 5 Yr. CAGR % | - | - | - | 50.5 | 51.94 | |||
Common Equity, 5 Yr. CAGR % | - | - | - | 56.97 | 58.8 | |||
Cash From Operations, 5 Yr. CAGR % | - | - | 130.55 | 26.1 | 42.62 | |||
Capital Expenditures, 5 Yr. CAGR % | - | - | - | 59.48 | -26.88 | |||
Levered Free Cash Flow, 5 Yr. CAGR % | - | - | - | - | 2.79 | |||
Unlevered Free Cash Flow, 5 Yr. CAGR % | - | - | - | - | 3.1 |
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