U
Upstart Holdings, Inc. (UPST)
NMS – Real Time Price. Currency in USD
29.09
-0.80 (-2.68%)
At close: Aug 12, 2026, 3:59 PM EDT
29.20
+0.10 (0.34%)
After-hours: Aug 12, 2026, 4:28 PM EDT
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NMS – Real Time Price. Currency in USD
29.09
-0.80 (-2.68%)
At close: Aug 12, 2026, 3:59 PM EDT
29.20
+0.10 (0.34%)
After-hours: Aug 12, 2026, 4:28 PM EDT
No Data
There are no news for this stock.
Total debt $2.0B significantly exceeds cash reserves ($982.3M), raising financial stability concerns
Total current assets $0.0 are just enough to cover Total current liabilities $378.6M, indicating tight liquidity
Debt-to-equity ratio (2.5) far exceeds the industry average, reflecting over-leverage
The company has no interest-bearing debt, showcasing excellent financial strength
Negative free cash flow -$138.7M limits the company's ability to reinvest or pay down debt
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Current ratio | 2.91 | 10.91 | 10 | |
| Quick ratio | 2.91 | 10.10 | 10 | |
| Debt to Equity | 2.54 | 3.44 | 2.0 | |
| Debt to Assets | 0.64 | 1.99 | 3.0 | |
| Interest coverage | N/A | 71.90 | 10 | |
| Weighted average score | 7.0 | |||
| METRIC | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Total Revenue | 842M | 514M | 637M | 1.04B | 1.25B |
| Gross Profit | 829M | 489M | 616M | 1.02B | 863M |
| Operating Income | -114M | -257M | -173M | 43M | 50M |
| Net Income | -109M | -240M | -129M | 54M | 60M |
| EBITDA | -100M | -232M | -152M | 67M | 75M |
| NAME | REVENUE GROWTH | EPS GROWTH | SCORE |
|---|---|---|---|
| Current quarter | 31.31 | -60.96 | 5.5 |
| Next quarter | 30.09 | -22.61 | 5.5 |
| Current year | 36.01 | -58.29 | 5.5 |
| Next year | 31.16 | 163.29 | 10 |
| Weighted average score | 6.6 | ||
| NAME | REVENUE | NET INCOME | EPS | FCF | SCORE |
|---|---|---|---|---|---|
| Q/Q | 18.33 | 348.86 | 328.57 | -1.93 | 7.5 |
| Y/Y | 41.75 | 194.97 | -55.55 | -15.3 | 5.5 |
| 3y average | 16.3 | 22.39 | 208.62 | 36.99 | 9.8 |
| 5y average | 62.35 | 410.15 | 293.03 | 88.48 | 10 |
| Weighted average score | 8.2 | ||||
Insufficient positive free cash flow for DCF analysis
| NAME | CURRENT | INDUSTRY | SCORE |
|---|---|---|---|
| Dividend yield | 0.00 | N/A | 1.0 |
| Payout ratio | 0.00 | N/A | 1.0 |
| 5-year dividend growth rate | N/A | N/A | 1.0 |
| Years of dividend increase | N/A | N/A | 1.0 |
| Weighted average score | 1.0 | ||
Insufficient positive free cash flow for DCF analysis
| NAME | SCALE | SCORE |
|---|---|---|
| Market share | None | 1.0 |
| Intangible assets | None | 1.0 |
| Switching costs | None | 1.0 |
| Network effect | None | 1.0 |
| Economies of scale | None | 1.0 |
| Weighted average score | 1.0 | |