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UPST

Market Cap: $2.9B

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Upstart Holdings, Inc.

UPST

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By Cashu Markets. Providing market news, analysis, and research for investors worldwide.

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© 2026 Cashu Technologies Pty Ltd. All rights reserved. Cashu Markets is a trademark of Cashu Technologies Pty Ltd.

The content published on Cashu Markets is for informational purposes only and should not be construed as investment advice, a recommendation, or an offer to buy or sell any securities. All opinions expressed are those of the authors and do not reflect the official position of Cashu Technologies Pty Ltd or its affiliates. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.

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Financials

Profitability

Gross Profit Margin74.44%

EBITDA Margin7.15%

EBIT Margin4.93%

Pre-tax Margin4.34%

Net Profit Margin5.22%

Earnings Yield2.06%

Valuation Multiples

Price / Book3.67

Price / Sales2.51

Price / Earnings48.76

PEG0.04

Forward PEG0.30

EV / Sales3.87

EV / EBITDA54.13

EV / Operating Cash Flow-15.74

EV / Free Cash Flow-15.06

Price / Free Cash Flow-9.77

Price / Operating Cash Flow-10.30

Cash Flow & Capital

Free Cash Flow / Share-$3.07

Operating Cash Flow / Share-$2.94

Free Cash Flow Yield-10.23%

Capex / Revenue1.10%

Capex / Operating Cash Flow-4.47%

Capex / Depreciation0.50

Stock Compensation / Revenue12.62%

Dividend Payout Ratio0.00%

Dividend Yield0.00%

Liquidity & Leverage

Current Ratio14.10

Quick Ratio14.10

Cash Ratio6.55

Debt / Assets0.64

Debt / Capital0.72

Debt / Equity2.54

Long-Term Debt / Capital0.71

Debt / Market Cap69.18%

Net Debt / EBITDA19.01

Solvency Ratio0.04

Financial Leverage3.98

Efficiency & Working Capital

Asset Turnover0.36

Fixed Asset Turnover16.94

Inventory Turnover0.00

Receivables Turnover19.86

Payables Turnover2.03

Days Sales Outstanding18.38

Days Inventory Outstanding0

Days Payables Outstanding179.45

Operating Cycle18.38

Cash Conversion Cycle-161.07

Working Capital Turnover1.43

Returns & Quality

Return on Equity7.85%

Return on Assets1.90%

Return on Invested Capital1.56%

ROCE1.55%

Return on Tangible Assets1.97%

Operating Return on Assets1.57%

Income Quality-4.71

Tax Burden1.20

Interest Burden0.88

Balance Sheet & Intrinsic Metrics

Enterprise Value$4.47B

Invested Capital$1.1B

Working Capital$912.62M

Tangible Asset Value$681.11M

Net Current Asset Value$-1.39B

Graham Number$10.77

Graham Net-Net-$19.41

Book Value / Share$8.26

Tangible Book Value / Share$7.05

Cash / Share$4.72

Financial Health Scores

Piotroski Score3

Altman Z-Score1.31

Revenue$1.16B

EBIT$57M

Market Cap$2.75B

Working Capital$912.62M

Retained Earnings$-347.66M

Total Assets$3.17B

Total Liabilities$2.37B