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Upstart Holdings, Inc. UPST

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23.13 USD +1.75 (+8.21%)

Nov 4, 2026, 9:54 AM EST

21.55 Day range 23.24
20.60 52-week range 52.10
YTD
-47.12%
1 year
-49.99%

Financial health

Altman Z-Score

1.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 1
  • Return on Equity 2
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 78.1×
FY 2017: -52.6×FY 2018: -33.9×FY 2019: -907×FY 2020: 151×FY 2021: 87.5×FY 2022: -10.1×FY 2023: -14.2×FY 2024: -42.8×FY 2025: 78.1×
FY 2017 5y median -10.1× FY 2025
P/S 3.9×
FY 2017: 7.3×FY 2018: 4.4×FY 2019: 2.2×FY 2020: 3.9×FY 2021: 13.9×FY 2022: 1.3×FY 2023: 6.2×FY 2024: 8.1×FY 2025: 3.9×
FY 2017 5y median 6.2× FY 2025
P/B 5.3×
FY 2017: 0.0×FY 2018: 4.6×FY 2019: -6.7×FY 2020: 3.0×FY 2021: 14.6×FY 2022: 1.6×FY 2023: 5.4×FY 2024: 8.7×FY 2025: 5.3×
FY 2017 5y median 5.4× FY 2025
P/FCF -25.3×
FY 2017: 42.7×FY 2018: 8.4×FY 2019: 16.1×FY 2020: 88.0×FY 2021: 77.1×FY 2022: -1.6×FY 2023: -27.6×FY 2024: 31.2×FY 2025: -25.3×
FY 2017 5y median -1.6× FY 2025
EV/EBITDA 68.1×
FY 2017: 0.0×FY 2018: 44.9×FY 2019: -122×FY 2020: 86.4×FY 2021: 82.2×FY 2022: -18.3×FY 2023: -19.3×FY 2024: -57.2×FY 2025: 68.1×
FY 2017 5y median -18.3× FY 2025
EV/Sales 5.0×
FY 2017: 0.0×FY 2018: 8.8×FY 2019: 2.7×FY 2020: 3.1×FY 2021: 13.7×FY 2022: 2.0×FY 2023: 7.6×FY 2024: 9.1×FY 2025: 5.0×
FY 2017 5y median 7.6× FY 2025
FCF Yield -4.0%
FY 2017: 2.3%FY 2018: 11.8%FY 2019: 6.2%FY 2020: 1.1%FY 2021: 1.3%FY 2022: -62.2%FY 2023: -3.6%FY 2024: 3.2%FY 2025: -4.0%
FY 2017 5y median -3.6% FY 2025

Profitability

Gross Margin 95.2%
FY 2017: 100.0%FY 2018: 100.0%FY 2019: 86.0%FY 2020: 96.5%FY 2021: 99.6%FY 2022: 98.2%FY 2023: 92.8%FY 2024: 92.9%FY 2025: 95.2%
FY 2017 5y median 95.2% FY 2025
Operating Margin 5.1%
FY 2017: -13.5%FY 2018: -8.3%FY 2019: -2.6%FY 2020: 2.6%FY 2021: 15.7%FY 2022: -12.8%FY 2023: -43.8%FY 2024: -19.0%FY 2025: 5.1%
FY 2017 5y median -12.8% FY 2025
Net Margin 5.0%
FY 2017: -13.9%FY 2018: -12.9%FY 2019: -0.2%FY 2020: 2.6%FY 2021: 15.9%FY 2022: -12.7%FY 2023: -43.8%FY 2024: -19.0%FY 2025: 5.0%
FY 2017 5y median -12.7% FY 2025
ROE 6.7%
FY 2017: 0.0%FY 2018: -13.5%FY 2019: 0.7%FY 2020: 2.0%FY 2021: 16.8%FY 2022: -16.2%FY 2023: -37.8%FY 2024: -20.3%FY 2025: 6.7%
FY 2017 5y median -16.2% FY 2025
ROIC 2.0%
FY 2017: 0.0%FY 2018: -1.3%FY 2019: -1.4%FY 2020: 1.3%FY 2021: 7.7%FY 2022: -5.8%FY 2023: -12.3%FY 2024: -6.1%FY 2025: 2.0%
FY 2017 5y median -5.8% FY 2025
ROA 1.8%
FY 2017: 0.0%FY 2018: -1.9%FY 2019: -0.1%FY 2020: 1.3%FY 2021: 7.4%FY 2022: -5.6%FY 2023: -11.9%FY 2024: -5.4%FY 2025: 1.8%
FY 2017 5y median -5.4% FY 2025

Growth (YoY)

Revenue 58.9%
FY 2017: 0.0%FY 2018: 71.8%FY 2019: 98.0%FY 2020: 21.6%FY 2021: 269.4%FY 2022: 0.4%FY 2023: -35.8%FY 2024: 23.6%FY 2025: 58.9%
FY 2017 FY 2025
Operating Income 142.3%
FY 2017: 0.0%FY 2018: -5.8%FY 2019: 38.0%FY 2020: 220.3%FY 2021: 2147.6%FY 2022: -181.6%FY 2023: -120.1%FY 2024: 46.5%FY 2025: 142.3%
FY 2017 FY 2025
EPS (diluted) 131.3%
FY 2017: 0.0%FY 2018: -55.4%FY 2019: 96.3%FY 2020: 807.7%FY 2021: 521.7%FY 2022: -191.6%FY 2023: -119.1%FY 2024: 49.8%FY 2025: 131.3%
FY 2017 FY 2025
Free Cash Flow -194.2%
FY 2017: 0.0%FY 2018: 414.3%FY 2019: -46.6%FY 2020: -61.6%FY 2021: 1418.4%FY 2022: -544.3%FY 2023: 81.8%FY 2024: 242.4%FY 2025: -194.2%
FY 2017 FY 2025

Financial Health

Current Ratio 3.0×
FY 2017: 0.0×FY 2018: 8.8×FY 2019: 0.9×FY 2020: 3.7×FY 2021: 7.8×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 2.4×FY 2025: 3.0×
FY 2017 5y median 2.4× FY 2025
Quick Ratio 3.0×
FY 2017: 0.0×FY 2018: 8.8×FY 2019: 0.9×FY 2020: 3.7×FY 2021: 7.8×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 2.4×FY 2025: 3.0×
FY 2017 5y median 2.4× FY 2025
Debt / Equity 2.3×
FY 2017: 0.0×FY 2018: 5.5×FY 2019: -2.2×FY 2020: 0.3×FY 2021: 1.0×FY 2022: 1.6×FY 2023: 1.7×FY 2024: 2.3×FY 2025: 2.3×
FY 2017 5y median 1.7× FY 2025
Net Debt / EBITDA 15.1×
FY 2017: 0.0×FY 2018: 22.7×FY 2019: -20.3×FY 2020: -21.5×FY 2021: -1.4×FY 2022: -6.9×FY 2023: -3.4×FY 2024: -6.1×FY 2025: 15.1×
FY 2017 5y median -3.4× FY 2025
Interest Coverage 1.1×
FY 2017: -0.8×FY 2018: -0.3×FY 2019: -0.2×FY 2020: 0.7×FY 2021: 40.8×FY 2022: -7.0×FY 2023: -6.1×FY 2024: -2.7×FY 2025: 1.1×
FY 2017 5y median -2.7× FY 2025

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31