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UPST

Market Cap: $2.45B

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Upstart Holdings, Inc.

UPST

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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Financials

Profitability

Gross Profit Margin95.36%

EBITDA Margin6.79%

EBIT Margin4.80%

Pre-tax Margin4.80%

Net Profit Margin4.69%

Earnings Yield2.44%

Valuation Multiples

Price / Book3.10

Price / Sales1.90

Price / Earnings41.18

PEG0.04

Forward PEG0.24

EV / Sales3.13

EV / EBITDA46.06

EV / Operating Cash Flow-14.15

EV / Free Cash Flow-13.55

Price / Free Cash Flow-8.26

Price / Operating Cash Flow-8.70

Cash Flow & Capital

Free Cash Flow / Share-$3.07

Operating Cash Flow / Share-$2.94

Free Cash Flow Yield-12.11%

Capex / Revenue0.99%

Capex / Operating Cash Flow-4.47%

Capex / Depreciation0.50

Stock Compensation / Revenue11.35%

Dividend Payout Ratio0.00%

Dividend Yield0.00%

Liquidity & Leverage

Current Ratio14.10

Quick Ratio14.10

Cash Ratio6.55

Debt / Assets0.64

Debt / Capital0.72

Debt / Equity2.54

Long-Term Debt / Capital0.71

Debt / Market Cap81.91%

Net Debt / EBITDA17.99

Solvency Ratio0.04

Financial Leverage3.98

Efficiency & Working Capital

Asset Turnover0.41

Fixed Asset Turnover18.85

Inventory Turnover0.00

Receivables Turnover22.10

Payables Turnover0.41

Days Sales Outstanding16.52

Days Inventory Outstanding0

Days Payables Outstanding888.61

Operating Cycle16.52

Cash Conversion Cycle-872.09

Working Capital Turnover1.59

Returns & Quality

Return on Equity7.85%

Return on Assets1.90%

Return on Invested Capital1.99%

ROCE1.99%

Return on Tangible Assets1.97%

Operating Return on Assets2.01%

Income Quality-4.71

Tax Burden0.98

Interest Burden1.00

Balance Sheet & Intrinsic Metrics

Enterprise Value$4.02B

Invested Capital$1.1B

Working Capital$912.62M

Tangible Asset Value$681.11M

Net Current Asset Value$-1.39B

Graham Number$10.77

Graham Net-Net-$19.41

Book Value / Share$8.26

Tangible Book Value / Share$7.05

Cash / Share$4.72

Financial Health Scores

Piotroski Score4

Altman Z-Score1.28

Revenue$1.29B

EBIT$61.68M

Market Cap$2.45B

Working Capital$912.62M

Retained Earnings$-347.66M

Total Assets$3.17B

Total Liabilities$2.37B