(UPST) Upstart Holdings - Ratings and Ratios
Personal Loans, Auto Loans, Credit Lines, Small Loans
UPST EPS (Earnings per Share)
UPST Revenue
Description: UPST Upstart Holdings
Upstart Holdings, Inc. is a technology company that has revolutionized the lending industry with its cloud-based artificial intelligence (AI) platform. By leveraging machine learning algorithms, the company assesses creditworthiness and provides personalized loan options to consumers. The companys diversified product offerings, including personal loans, auto loans, and home equity lines of credit, cater to a wide range of customer needs.
Key performance indicators (KPIs) that can provide insights into the companys success include revenue growth, loan origination volume, and default rates. Notably, the companys ability to maintain a low default rate despite lending to non-traditional borrowers is a testament to the effectiveness of its AI-powered underwriting process. Additionally, metrics such as customer acquisition costs and retention rates can help investors understand the companys operational efficiency and long-term viability.
The companys growth prospects are further bolstered by its expanding partnerships with banks and other financial institutions, which enable it to reach a broader customer base. As the consumer finance industry continues to evolve, Upstart Holdings, Inc. is well-positioned to capitalize on emerging trends and opportunities. Investors can monitor the companys progress by tracking its quarterly earnings reports, guidance, and industry trends.
From a valuation perspective, investors can analyze metrics such as the price-to-sales ratio, enterprise value-to-EBITDA, and revenue multiples to determine whether the stock is fairly valued. Given the companys high growth rate, a premium valuation may be justified. However, investors should also be aware of potential risks, including regulatory changes, market competition, and economic downturns, which can impact the companys financial performance.
UPST Stock Overview
| Market Cap in USD | 6,616m |
| Sector | Financial Services |
| Industry | Credit Services |
| GiC Sub-Industry | Consumer Finance |
| IPO / Inception | 2020-12-16 |
UPST Stock Ratings
| Growth Rating | 22.5 |
| Fundamental | 51.0% |
| Dividend Rating | - |
| Rel. Strength | 48.9 |
| Analysts | 3.47 of 5 |
| Fair Price Momentum | 58.53 USD |
| Fair Price DCF | 3.18 USD |
UPST Dividends
Currently no dividends paidUPST Growth Ratios
| Growth Correlation 3m | 88.6% |
| Growth Correlation 12m | 39% |
| Growth Correlation 5y | -34.8% |
| CAGR 5y | 17.94% |
| CAGR/Max DD 5y | 0.19 |
| Sharpe Ratio 12m | -0.30 |
| Alpha | 2.80 |
| Beta | 4.100 |
| Volatility | 104.51% |
| Current Volume | 13094.9k |
| Average Volume 20d | 5272.6k |
| Stop Loss | 59 (-7%) |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (-6.35m TTM) > 0 and > 6% of Revenue (6% = 51.1m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 16.97pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 40.13% (prev 252.0%; Δ -211.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -65.2m <= Net Income -6.35m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 2.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (102.9m) change vs 12m ago 16.30% (target <= -2.0% for YES) |
| Gross Margin 97.86% (prev 89.24%; Δ 8.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 39.60% (prev 28.83%; Δ 10.77pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.70 (EBITDA TTM -6.08m / Interest Expense TTM 40.7m) >= 6 (WARN >= 3) |
Altman Z'' 0.03
| (A) 0.14 = (Total Current Assets 634.4m - Total Current Liabilities 292.8m) / Total Assets 2.48b |
| (B) -0.16 = Retained Earnings (Balance) -408.0m / Total Assets 2.48b |
| (C) -0.01 = EBIT TTM -28.4m / Avg Total Assets 2.15b |
| (D) -0.23 = Book Value of Equity -408.0m / Total Liabilities 1.76b |
| Total Rating: 0.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 51.03
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 2.43% = 1.21 |
| 3. FCF Margin 21.79% = 5.45 |
| 4. Debt/Equity 1.98 = 0.80 |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC -18.95% = -12.50 |
| 7. RoE -0.97% = -0.16 |
| 8. Rev. Trend 69.90% = 3.50 |
| 9. Rev. CAGR 17.84% = 2.23 |
| 10. EPS Trend data missing |
| 11. EPS CAGR 27.63% = 2.50 |
As of August 13, 2025, the stock is trading at USD 63.46 with a total of 13,094,912 shares traded.
Over the past week, the price has changed by -23.39%, over one month by -16.08%, over three months by +19.83% and over the past year by +85.66%.
Neither. Based on ValueRay´s Fundamental Analyses, Upstart Holdings is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 51.03 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UPST is around 58.53 USD . This means that UPST is currently overvalued and has a potential downside of -7.77%.
Upstart Holdings has received a consensus analysts rating of 3.47. Therefor, it is recommend to hold UPST.
- Strong Buy: 4
- Buy: 2
- Hold: 7
- Sell: 1
- Strong Sell: 1
According to our own proprietary Forecast Model, UPST Upstart Holdings will be worth about 70.2 in August 2026. The stock is currently trading at 63.46. This means that the stock has a potential upside of +10.67%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 81.6 | 28.6% |
| Analysts Target Price | 59.3 | -6.6% |
| ValueRay Target Price | 70.2 | 10.7% |
UPST Fundamental Data Overview
CCE Cash And Equivalents = 400.6m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 42.1941
P/S = 7.4773
P/B = 9.1632
Beta = 2.391
Revenue TTM = 851.1m USD
EBIT TTM = -28.4m USD
EBITDA TTM = -6.08m USD
Long Term Debt = 1.24b USD (from longTermDebt, last quarter)
Short Term Debt = 189.5m USD (from shortTermDebt, last quarter)
Debt = 1.43b USD (Calculated: Short Term 189.5m + Long Term 1.24b)
Net Debt = 1.07b USD (from netDebt column, last quarter)
Enterprise Value = 7.64b USD (6.62b + Debt 1.43b - CCE 400.6m)
Interest Coverage Ratio = -0.70 (Ebit TTM -28.4m / Interest Expense TTM 40.7m)
FCF Yield = 2.43% (FCF TTM 185.5m / Enterprise Value 7.64b)
FCF Margin = 21.79% (FCF TTM 185.5m / Revenue TTM 851.1m)
Net Margin = -0.75% (Net Income TTM -6.35m / Revenue TTM 851.1m)
Gross Margin = 97.86% ((Revenue TTM 851.1m - Cost of Revenue TTM 18.3m) / Revenue TTM)
[93m Tobins Q-Ratio = -18.74 (set to none) (Enterprise Value 7.64b / Book Value Of Equity -408.0m)
[39m Interest Expense / Debt = 0.54% (Interest Expense 7.77m / Debt 1.43b)
Taxrate = 0.87% (from quarterly Income Tax Expense: 49.0k / 5.66m)
NOPAT = -28.4m (EBIT -28.4m, no tax applied on loss)
Current Ratio = 2.17 (Total Current Assets 634.4m / Total Current Liabilities 292.8m)
Debt / Equity = 1.98 (Debt 1.43b / last Quarter total Stockholder Equity 722.0m)
Debt / EBITDA = -234.8 (Net Debt 1.07b / EBITDA -6.08m)
[93m Debt / EBITDA = -234.8 --> set to None
[39m Debt / FCF = 7.70 (Debt 1.43b / FCF TTM 185.5m)
Total Stockholder Equity = 656.9m (last 4 quarters mean)
RoA = -0.26% (Net Income -6.35m, Total Assets 2.48b )
RoE = -0.97% (Net Income TTM -6.35m / Total Stockholder Equity 656.9m)
RoCE = -1.50% (Ebit -28.4m / (Equity 656.9m + L.T.Debt 1.24b))
RoIC = -1.48% (NOPAT -28.4m / Invested Capital 1.92b)
WACC = 17.47% (E(6.62b)/V(8.04b) * Re(21.12%)) + (D(1.43b)/V(8.04b) * Rd(0.54%) * (1-Tc(0.01)))
Shares Correlation 5-Years: 40.0 | Cagr: 0.81%
Discount Rate = 21.12% (= CAPM, Blume Beta Adj.) -> capped to 17.95% (dynamic)
[DCF Debug] Terminal Value 34.42% ; FCFE base≈185.5m ; Y1≈104.6m ; Y5≈35.2m
Fair Price DCF = 3.18 (DCF Value 306.4m / Shares Outstanding 96.2m; 5y FCF grow -50.0% → 2.90% )
Revenue Correlation: 69.90 | Revenue CAGR: 17.84%
Revenue Growth Correlation: 92.48%
EPS Correlation: N/A | EPS CAGR: 27.63%
EPS Growth Correlation: -55.74%
Additional Sources for UPST Stock
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