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    Upstart Inc.

    NASDAQ: UPST · Real-Time Price · USD
    54.86
    2.84 (5.46%)
    At close: Jun 16, 2025, 3:59 PM
    54.31
    -1.00%
    Pre-market: Jun 17, 2025, 05:21 AM EDT

    Upstart Statistics

    Share Statistics

    Upstart has 95.14M shares outstanding. The number of shares has increased by 6.64% in one year.

    Shares Outstanding

    n/a
    		 95.14M

    Shares Change (YoY)

    n/a
    		 6.64%

    Shares Change (QoQ)

    n/a
    		 2.72%

    Owned by Institutions (%)

    n/a
    		 64.97%

    Shares Floating

    n/a
    		 82.51M

    Failed to Deliver (FTD) Shares

    n/a
    		 8

    FTD / Avg. Volume

    n/a
    		 n/a

    Short Selling Information

    The latest short interest is 21.12M, so 22.54% of the outstanding shares have been sold short.

    Short Interest

    n/a
    		 21.12M

    Short % of Shares Out

    n/a
    		 22.54%

    Short % of Float

    n/a
    		 25.7%

    Short Ratio (days to cover)

    n/a
    		 4.81

    Valuation Ratios

    The PE ratio is -42.83 and the forward PE ratio is 23.11. Upstart's PEG ratio is 0.86.

    PE Ratio

    n/a
    		 -42.83

    Forward PE

    n/a
    		 23.11

    PS Ratio

    n/a
    		 8.76

    Forward PS

    n/a
    		 2.8

    PB Ratio

    n/a
    		 8.7

    P/FCF Ratio

    n/a
    		 29.69

    PEG Ratio

    n/a
    		 0.86
    Financial Ratio History

    Enterprise Valuation

    Currently the Enterprise Value (EV) is not available for Upstart.

    EV / Sales

    n/a
    		 n/a

    EV / EBITDA

    n/a
    		 n/a

    EV / EBIT

    n/a
    		 n/a

    EV / FCF

    n/a
    		 n/a

    Financial Position

    The company has a current ratio of 3.06, with a Debt / Equity ratio of 2.29.

    Current Ratio

    n/a
    		 3.06

    Quick Ratio

    n/a
    		 3.06

    Debt / Equity

    n/a
    		 2.29

    Debt / EBITDA

    n/a
    		 -12.98

    Debt / FCF

    n/a
    		 7.83

    Interest Coverage

    n/a
    		 -3.59

    Financial Efficiency

    Return on Equity is n/a and Return on Invested Capital is n/a.

    Return on Equity

    n/a
    		 n/a

    Return on Assets

    n/a
    		 n/a

    Return on Invested Capital

    n/a
    		 n/a

    Revenue Per Employee

    n/a
    		 $527,103.1

    Profits Per Employee

    n/a
    		 $-107,779.55

    Employee Count

    n/a
    		 1,193

    Asset Turnover

    n/a
    		 0.27

    Inventory Turnover

    n/a
    		 n/a

    Taxes

    Income Tax

    n/a
    		 185K

    Effective Tax Rate

    n/a
    		 -0.14%

    Stock Price Statistics

    The stock price has increased by 145.02% in the last 52 weeks. The beta is 2.3, so Upstart's price volatility has been higher than the market average.

    Beta

    n/a
    		 2.3

    52-Week Price Change

    n/a
    		 145.02%

    50-Day Moving Average

    n/a
    		 47.19

    200-Day Moving Average

    n/a
    		 55.45

    Relative Strength Index (RSI)

    n/a
    		 58.51

    Average Volume (20 Days)

    n/a
    		 6,230,253

    Income Statement

    In the last 12 months, Upstart had revenue of 628.83M and earned -128.58M in profits. Earnings per share was -1.44.

    Revenue

    n/a
    		 628.83M

    Gross Profit

    n/a
    		 628.83M

    Operating Income

    n/a
    		 -172.86M

    Net Income

    n/a
    		 -128.58M

    EBITDA

    n/a
    		 -111.87M

    EBIT

    n/a
    		 -132.42M

    Earnings Per Share (EPS)

    n/a
    		 -1.44
    Full Income Statement

    Balance Sheet

    The company has 788.42M in cash and 1.45B in debt, giving a net cash position of -664.02M.

    Cash & Cash Equivalents

    n/a
    		 788.42M

    Total Debt

    n/a
    		 1.45B

    Net Cash

    n/a
    		 -664.02M

    Retained Earnings

    n/a
    		 -411.16M

    Total Assets

    n/a
    		 2.3B

    Working Capital

    n/a
    		 586.27M
    Full Balance Sheet

    Cash Flow

    In the last 12 months, operating cash flow was 186.33M and capital expenditures -837K, giving a free cash flow of 185.49M.

    Operating Cash Flow

    n/a
    		 186.33M

    Capital Expenditures

    n/a
    		 -837K

    Free Cash Flow

    n/a
    		 185.49M

    FCF Per Share

    n/a
    		 2.07
    Full Cash Flow Statement

    Margins

    Gross margin is 100%, with operating and profit margins of -27.49% and -20.45%.

    Gross Margin

    n/a
    		 100%

    Operating Margin

    n/a
    		 -27.49%

    Pretax Margin

    n/a
    		 -20.42%

    Profit Margin

    n/a
    		 -20.45%

    EBITDA Margin

    n/a
    		 -17.79%

    EBIT Margin

    n/a
    		 -27.49%

    FCF Margin

    n/a
    		 29.5%

    Dividends & Yields

    UPST does not appear to pay any dividends at this time.

    Dividend Per Share

    n/a
    		 n/a

    Dividend Yield

    n/a
    		 n/a

    Dividend Growth (YoY)

    n/a
    		 n/a

    Payout Ratio

    n/a
    		 n/a

    Earnings Yield

    n/a
    		 n/a

    FCF Yield

    n/a
    		 n/a
    Dividend Details

    Analyst Forecast

    The average price target for UPST is $64.5, which is 17.6% higher than the current price. The consensus rating is "Hold".

    Price Target

    n/a
    		 $64.5

    Price Target Difference

    n/a
    		 17.6%

    Analyst Consensus

    n/a
    		 Hold

    Analyst Count

    n/a
    		 13
    Stock Forecasts

    Fair Value

    There are several formulas that can be used to estimate the intrinsic value of a stock.

    Lynch Fair Value

    n/a
    		 n/a

    Lynch Upside

    n/a
    		 n/a

    Graham Number

    n/a
    		 n/a

    Graham Upside

    n/a
    		 n/a

    Scores

    Altman Z-Score

    n/a
    		 1.9

    Piotroski F-Score

    n/a
    		 3

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