Upstart Holdings Inc
Exchange: NASDAQSector: Financial ServicesIndustry: Credit Services
Upstart Holdings Inc
Current Price
$28.84
+2.71%GoodMoat Value
$74.91
159.7% undervaluedProfile
Valuation (TTM)
Market Cap$2.83B
P/E57.25
EV—
P/B3.54
Shares Out98.06M
P/Sales2.48
Revenue$1.14B
EV/EBITDA52.03
Upstart Holdings Inc (UPST) Stock Analysis
Market Cap$2.83B
Current Price$28.84
P/E Ratio57.25
Forward P/E—
PEG Ratio0.43
EPS$0.45
Book Value$8.15
P/B Ratio3.54
UPST Financial Charts
FCF vs CAPEX
FCFCAPEX
Cash vs Debt
Net Debt: 840M
Revenue
164M
FY19
233M
FY20
849M
FY21
842M
FY22
514M
FY23
637M
FY24
1.0B
FY25
Net Income
—
FY19
6M
FY20
135M
FY21
—
FY22
—
FY23
—
FY24
54M
FY25
UPST 52-Week Range
$24.22
$84.13
50-Day MA: $28.93200-Day MA: $43.84
Did you know?
Trading 160% below its estimated fair value of $74.91.
Upstart Holdings Inc (UPST) Financial Summary
Upstart Holdings Inc (UPST) is a Financial Services company in the Credit Services industry, listed on NASDAQ. The stock currently trades at $28.84 with a market capitalization of $2.83B.
Key valuation metrics include a P/E ratio of 57.25, price-to-book ratio of 3.54, and EPS of $0.45. The company reports a profit margin of 4.3% and return on equity of 6.2%.
UPST Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $2.83B |
| P/E Ratio | 57.25 |
| EPS | $0.45 |
| P/B Ratio | 3.54 |
| P/S Ratio | 2.48 |
| EV/EBITDA | 52.03 |
| Profit Margin | 4.3% |
| Return on Equity | 6.2% |
| Debt/Equity | 2.37 |
UPST Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $164.19M | $-466000.00 |
| FY20 | $233.42M | $5.98M |
| FY21 | $848.59M | $135.44M |
| FY22 | $842.44M | $-108.67M |
| FY23 | $513.56M | $-240.13M |
| FY24 | $636.53M | $-128.58M |
| FY25 | $1.04B | $53.60M |
Upstart Holdings Inc (UPST) Valuation
Based on GoodMoat's DCF model, Upstart Holdings Inc has a fair value estimate of $74.91. At the current price of $28.84, the stock appears 61.5% undervalued relative to our intrinsic value estimate.
UPST Quality Indicators
Upstart Holdings Inc maintains a profit margin of 4.3% and an operating margin of 4.1%. Return on equity stands at 6.2%. Debt-to-equity ratio is 2.37.
About Upstart Holdings Inc
Upstart Holdings Inc
UPST Free Cash Flow
Upstart Holdings Inc generated $-166.13M in trailing twelve-month free cash flow, representing an FCF yield of -5.87%. This low FCF yield may reflect heavy reinvestment or growth spending.
UPST Shares Outstanding
Upstart Holdings Inc has 0.10 billion shares outstanding at a share price of $28.84, giving it a market capitalization of $2.83B.