Company Valuation: Upstart Holdings, Inc.

Data adjusted to current consolidation scope
Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 2,953 12,400 1,082 3,475 5,617 7,264 - -
Change - 319.95% -91.27% 221.08% 61.62% 29.33% - -
Enterprise Value (EV) 1 2,953 12,109 1,646 4,147 6,043 7,956 7,785 7,509
Change - 310.09% -86.4% 151.91% 45.7% 31.66% -2.14% -3.55%
P/E ratio 499x 106x -10.1x -14.2x -42.8x 608x 83.7x 53x
PBR - 15.7x 1.6x 5.39x 9.09x 8.62x 7.14x 5.96x
PEG - 0x 0x -0x 0.9x -6x 0x 0.9x
Capitalization / Revenue 12.7x 14.6x 1.28x 6.77x 8.82x 7.19x 5.8x 4.92x
EV / Revenue 12.7x 14.3x 1.95x 8.08x 9.49x 7.88x 6.21x 5.09x
EV / EBITDA 93.7x 52.2x 44.3x -241x 570x 40.8x 28.1x 20.4x
EV / EBIT 251x 86x -14.5x -16.2x -35x 981x 81.4x 43.7x
EV / FCF 206x 79x -2.36x -25.6x 32.6x -53.8x -66.5x 96.3x
FCF Yield 0.49% 1.27% -42.4% -3.91% 3.07% -1.86% -1.5% 1.04%
Dividend per Share 2 - - - - - - - -
Rate of return - - - - - - - -
EPS 2 0.0816 1.43 -1.31 -2.87 -1.44 0.1256 0.912 1.44
Distribution rate - - - - - - - -
Net sales 1 233.4 848.6 842.4 513.6 636.5 1,010 1,253 1,475
EBITDA 1 31.51 231.9 37.16 -17.22 10.59 195.1 277.1 367.2
EBIT 1 11.76 140.9 -113.9 -256.5 -172.9 8.108 95.63 171.8
Net income 1 5.983 135.4 -108.7 -240.1 -128.6 11.2 105.1 161.8
Net Debt 1 - -291.2 564 672 425.9 691.5 521.1 244.6
Reference price 2 40.75 151.30 13.22 40.86 61.57 76.35 76.35 76.35
Nbr of stocks (in thousands) 72,461 81,957 81,877 85,057 91,228 95,145 - -
Announcement Date 3/17/21 2/15/22 2/14/23 2/13/24 2/11/25 - - -
1USD in Million2USD
Estimates

P/E ratio, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
608.08x7.88x40.78x-.--% 7.26B
19.71x1.84x2x2.98% 12.41B
14.55x - - - 6.17B
11.28x - - 4.69% 5.17B
21.3x - - 0.37% 2.66B
9.81x - - - 870M
7.62x4.09x - 5.93% 725M
Average 98.91x 4.61x 21.39x 2.79% 5.04B
Weighted average by Cap. 138.36x 4.07x 16.32x 2.35%
See all sector valuations

Year-on-year evolution of the PER

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

  1. Stock Market
  2. Equities
  3. UPST Stock
  4. Valuation Upstart Holdings, Inc.