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Upstart Holdings, Inc.

UPST

$31.09 ▲ +1.39 (+4.66%) at close

7 Visible periods

26 Metrics

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Analytical Summary

Upstart Holdings, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $3.0B

Dividend Yield —

Revenue Growth 64.0% ↗

Op. Margin 4.1% ↗

ROIC 4.2% ↗

FCF / Share $-1.54 ↘

Trailing P/E 55.5x

Price / Book 3.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.04B

↑ +64.0% —

Net Income Profit after all expenses

$53.60M

↑ +141.7% —

Operating Margin Operating profit as % of sales

4.1%

↑ +115.0% 40th

FCF / Share Free cash flow per share

$-1.54

↓ -174.4% —

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Cash Quality

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	64.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+967%)	23.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	-43.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-823%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	263.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4293%)	42.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+603%)	—
EPS Growth YoY (%)	N/M	49.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-119.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	N/M	46.5% Excellent ↓ Excellent Declining Year-over-year change in net income	-121.0% Weak Weak Year-over-year change in net income	N/M	2163.8% Excellent Excellent Year-over-year change in net income	N/M	—
FCF Growth YoY (%)	N/M	N/M	83.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	N/M	150.0% Excellent Excellent Year-over-year change in free cash flow	-57.4% Weak Weak Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-9.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	30.1% Excellent Excellent Compound annual revenue growth over 3 years	76.8% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	34.9% Excellent Excellent Compound annual revenue growth over 5 years	31.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	4.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	-27.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-209%)	-50.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-300%)	-12.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-150%)	16.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	5.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	-2.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)
Profit Margin (%) (%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	-20.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-46.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-313%)	-12.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	16.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	2.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-0.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)
FCF Margin (%) (%)	-14.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	29.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-22.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-75.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.8% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.1% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	16.8% Good Good Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	-2.76x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.44x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.47x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	6.29x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.18x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	2.40x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-59.18x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	4.2% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-21.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-31.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-13.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	13.8% Good Good Return earned on debt + equity capital invested Optimal: > 10%	3.1% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-12.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-5.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	7.7% Fair Fair Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	6.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	-20.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-269%)	-37.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-415%)	-16.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-235%)	16.8% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	2.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x)	0.98x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-7.02x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-10.50x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	43.03x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	1.47x Weak Weak Operating income divided by interest expense Optimal: > 5x	-0.17x Weak Weak Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$-652.39M	$-788.42M	$-368.40M	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$10.87	$7.12	$6.13	$10.96	$10.86	$13.33	$11.45
Basic EPS, GAAP (USD)	$0.56	$-1.44	$-2.87	$-1.31	$1.73	$0.00	$-0.03
Free Cash Flow per Share (USD)	$-1.54	$2.07	$-1.35	$-8.26	$2.05	$0.82	$1.92
Book Value per Share (USD)	$8.15	$6.77	$7.36	$8.28	$9.65	$4.10	—
Tangible Book Value per Share (USD)	$7.38	$5.96	$6.45	$7.26	$8.61	$4.10	—
Basic Weighted Avg Shares (shares)	96.03M	89.45M	83.77M	82.77M	78.11M	17.51M	14.34M

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Total Equity (USD)	$798.82M	$633.22M	$635.30M	$672.43M	$807.08M	$300.25M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$1.04B	$636.53M	$513.56M	$907.27M	$848.59M	$233.42M	$164.19M
Depreciation Expense (USD)	$24.84M	$20.55M	$24.90M	$13.51M	$7.54M	$2.28M	$774.00K
Net Income, GAAP (USD)	$53.60M	$-128.58M	$-240.13M	$-108.67M	$135.44M	$5.98M	$-466.00K
Operating Cash Flow (USD)	$-147.72M	$186.33M	$-111.71M	$-674.68M	$168.35M	$15.70M	$31.58M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 26 quarters

Upstart Holdings, Inc.

Analytical Summary

7-Year Financial Trajectory

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