Stock UPST UPSTART HOLDINGS, INC.
Add to a list
To use this feature you must be a member
Log inSign up

Financials Upstart Holdings, Inc.

Equities

UPST

US91680M1071

Consumer Lending

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
23.46 USD +2.76% Intraday chart for Upstart Holdings, Inc. +7.27% -42.58%
Apr. 25 Upstart Launches Recognized Customer Personalization CI
Apr. 17 PriorityOne Credit Union of Florida Selects Upstart for Personal Lending CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,953 12,400 1,082 3,475 2,060 - -
Enterprise Value (EV) 1 2,953 12,109 1,646 4,147 2,565 2,527 2,502
P/E ratio 499 x 106 x -10.1 x -14.2 x -10.5 x -21.1 x 114 x
Yield - - - - - - -
Capitalization / Revenue 12.7 x 14.6 x 1.28 x 6.77 x 3.5 x 2.73 x 2.32 x
EV / Revenue 12.7 x 14.3 x 1.95 x 8.08 x 4.36 x 3.35 x 2.82 x
EV / EBITDA 93.7 x 52.2 x 44.3 x -241 x -174 x 30.8 x 19.1 x
EV / FCF 206 x 79 x -2.36 x -25.6 x 88.4 x 29.4 x -
FCF Yield 0.49% 1.27% -42.4% -3.91% 1.13% 3.4% -
Price to Book - 15.7 x 1.6 x 5.39 x 3.56 x 3.51 x 3.16 x
Nbr of stocks (in thousands) 72,461 81,957 81,877 85,057 87,805 - -
Reference price 2 40.75 151.3 13.22 40.86 23.46 23.46 23.46
Announcement Date 3/17/21 2/15/22 2/14/23 2/13/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 164.2 233.4 848.6 842.4 513.6 588.2 753.9 888.2
EBITDA 1 - 31.51 231.9 37.16 -17.22 -14.77 81.93 131.1
EBIT 1 - 11.76 140.9 -113.9 -256.5 -199.8 -99.9 26.29
Operating Margin - 5.04% 16.6% -13.52% -49.95% -33.97% -13.25% 2.96%
Earnings before Tax (EBT) 1 - 5.95 133.7 -109.1 -240 -196.4 -94.91 -19
Net income 1 - 5.983 135.4 -108.7 -240.1 -197.3 -100.4 18.19
Net margin - 2.56% 15.96% -12.9% -46.76% -33.54% -13.32% 2.05%
EPS 2 -0.0300 0.0816 1.430 -1.310 -2.870 -2.243 -1.111 0.2060
Free Cash Flow 1 - 14.34 153.2 -697.6 -162 29 86 -
FCF margin - 6.14% 18.06% -82.81% -31.55% 4.93% 11.41% -
FCF Conversion (EBITDA) - 45.52% 66.07% - - - 104.97% -
FCF Conversion (Net income) - 239.71% 113.14% - - - - -
Dividend per Share 2 - - - - - - - -
Announcement Date 3/4/20 3/17/21 2/15/22 2/14/23 2/13/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 228.4 304.8 310.1 228.2 157.2 146.9 102.9 135.8 134.6 140.3 124.8 143.3 156.3 167.7 166.5
EBITDA 1 29.14 91.01 62.59 5.513 -14.36 -16.58 -31.06 10.97 2.252 0.619 -25.35 -4.713 8.526 11.08 -6.548
EBIT 1 28.6 60.41 34.83 -32.11 -58.09 -58.5 -131.8 -33.34 -43.84 -47.5 -72.56 -45.42 -39.7 -35.86 -53.26
Operating Margin 12.52% 19.82% 11.23% -14.07% -36.95% -39.82% -128.09% -24.56% -32.58% -33.85% -58.13% -31.69% -25.4% -21.38% -31.98%
Earnings before Tax (EBT) 1 27.84 59.27 32.71 -29.85 -56.21 -55.73 -129.2 -28.15 -40.3 -42.34 -73.1 -44.92 -40.45 -37.62 -53.06
Net income 1 29.11 58.94 32.69 -29.87 -56.22 -55.26 -129.3 -28.16 -40.32 -42.4 -74.56 -44.55 -41.52 -35.28 -53.82
Net margin 12.74% 19.34% 10.54% -13.09% -35.76% -37.62% -125.58% -20.75% -29.96% -30.22% -59.73% -31.08% -26.56% -21.03% -32.32%
EPS 2 0.3000 0.6100 0.3400 -0.3600 -0.6900 -0.6700 -1.580 -0.3400 -0.4800 -0.5000 -0.8414 -0.4843 -0.4414 -0.3571 -0.6020
Dividend per Share 2 - - - - - - - - - - - - - - -
Announcement Date 11/9/21 2/15/22 5/9/22 8/8/22 11/8/22 2/14/23 5/9/23 8/8/23 11/7/23 2/13/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - 564 672 505 467 442
Net Cash position 1 - - 291 - - - - -
Leverage (Debt/EBITDA) - - - 15.18 x -39.03 x -34.18 x 5.703 x 3.375 x
Free Cash Flow 1 - 14.3 153 -698 -162 29 86 -
ROE (net income / shareholders' equity) - 14.7% 24.5% 2.62% -36.7% -10.7% 4% 5.77%
ROA (Net income/ Total Assets) - - 11.8% - -12.1% -5.22% -2.47% -
Assets 1 - - 1,149 - 1,977 3,779 4,063 -
Book Value Per Share 2 - - 9.650 8.280 7.580 6.590 6.690 7.440
Cash Flow per Share - 0.2100 1.780 -8.150 - - - -
Capex 1 - 1.36 15.1 22.9 1.53 16 16 -
Capex / Sales - 0.58% 1.78% 2.72% 0.3% 2.72% 2.12% -
Announcement Date 3/4/20 3/17/21 2/15/22 2/14/23 2/13/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Upstart Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
16
Last Close Price
23.46 USD
Average target price
20.61 USD
Spread / Average Target
-12.16%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Consumer Leasing

1st Jan change Capi.
UPSTART HOLDINGS, INC. Stock Upstart Holdings, Inc.
-42.58% 2.06B
ALLY FINANCIAL INC. Stock Ally Financial Inc.
+12.54% 11.95B
JIANGSU FINANCIAL LEASING CO., LTD. Stock Jiangsu Financial Leasing Co., Ltd.
+11.16% 3.23B
FIVE-STAR BUSINESS FINANCE LIMITED Stock Five-Star Business Finance Limited
+0.84% 2.6B
AEON THANA SINSAP (THAILAND) Stock AEON Thana Sinsap (Thailand)
+0.94% 1.09B
HAITONG UNITRUST INTERNATIONAL FINANCIAL LEASING CO., LTD. Stock Haitong Unitrust International Financial Leasing Co., Ltd.
+2.44% 884M
LATITUDE GROUP HOLDINGS LIMITED Stock Latitude Group Holdings Limited
+0.43% 793M
ESCAR FILO KIRALAMA HIZMETLERI Stock Escar Filo Kiralama Hizmetleri
+74.17% 466M
ATLANTICUS HOLDINGS CORPORATION Stock Atlanticus Holdings Corporation
-29.89% 396M
DIRECT FINANCE OF DIRECT GROUP (2006)LTD Stock Direct Finance of Direct Group (2006)Ltd
+13.03% 366M
Consumer Leasing
  1. Stock Market
  2. Equities
  3. UPST Stock
  4. Financials Upstart Holdings, Inc.