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UPST fundamentals

Overview Statements Statistics Dividends Earnings Revenue

Key facts

‪5.97 T‬ARS

—

—

−1,264.88ARS

2013

‪1.19 K‬

David Joseph Girouard

About

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

Valuation

Fundamental metrics to determine fair value of the stock

Summary

‪‪5.97 T‬‬

Price to earning ratio (P/E)

—

Price to sales ratio (P/S)

2.33x

Market Cap

Net income

Revenue

Price to earning ratio (P/E)

—

Price to sales ratio (P/S)

2.33x

Valuation ratios

Q4 '23

Q1 '24

Q2 '24

Q3 '24

Q4 '24

‪0.00‬

‪1.20‬

‪2.40‬

‪3.60‬

‪4.80‬

P/S

Growth and Profitability

Company’s recent performance and margins

Performance

‪−53%‬

‪−40%‬

‪−27%‬

‪−14%‬

‪−1%‬

Q4 '23

Q1 '24

Q2 '24

Q3 '24

Q4 '24

‪‪−80.00 B‬‬

‪0.00‬

‪‪80.00 B‬‬

‪‪160.00 B‬‬

‪‪240.00 B‬‬

Revenue

Net income

Net margin %

Revenue to profit conversion

Revenue

COGS

Gross profit

Op expenses

Op income

Non-Op income/ expenses

Taxes & Other

Net income

‪‪−80.00 B‬‬

‪0.00‬

‪‪80.00 B‬‬

‪‪160.00 B‬‬

‪‪240.00 B‬‬

Revenue

COGS

Gross profit

Expenses & adjustments

Net income

‪‪−80.00 B‬‬

‪0.00‬

‪‪80.00 B‬‬

‪‪160.00 B‬‬

‪‪240.00 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business

Period: 2024

Fees

Interest Income, Interest Expense, and Fair Value Adjustments

By country

Period: 2024

United States

Dividends

Dividend yield, history and sustainability

UPST does not pay dividends

The company has not previously paid dividends and at the moment there is no information about whether it is going to pay them in the future

Financial health

Financial position and solvency of the company

Debt level and coverage

Q4 '23

Q1 '24

Q2 '24

Q3 '24

Q4 '24

‪‪−600.00 B‬‬

‪0.00‬

‪‪600.00 B‬‬

‪‪1.20 T‬‬

‪‪1.80 T‬‬

Debt

Free cash flow

Cash & equivalents

Financial position analysis

Short term

Long term

‪0.00‬

‪‪400.00 B‬‬

‪‪800.00 B‬‬

‪‪1.20 T‬‬

‪‪1.60 T‬‬

Assets

Liabilities