Upstart Holdings, Inc. | Mid-cap | Financial Services
$73.39
7.70%
| Upstart Holdings Stock Comparison:
Upstart Holdings vs VisaUpstart Holdings vs MastercardUpstart Holdings vs Synchrony FinancialUpstart Holdings vs SLMUpstart Holdings vs OneMain HoldingsUpstart Holdings vs S&P 500 | Market
Overview Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 628.8M
Net Income -128.6M -20.45%
EPS (Diluted) -$1.44

Balance Sheet Metrics

Total Assets 2.4B
Total Liabilities 1.7B
Shareholders Equity 633.2M
Debt to Equity 2.74

Cash Flow Metrics

Operating Cash Flow 171.4M
Free Cash Flow 176.3M

Revenue & Profitability Trend

Upstart Holdings Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue 628.8M 508.1M 837.8M 846.6M 222.1M
Cost of Goods Sold - - - - -
Gross Profit - - - - -
Operating Expenses 555.7M 489.9M 719.1M 572.5M 182.8M
Operating Income - - - - -
Pre-tax Income -128.4M -240.0M -109.1M 133.7M 6.0M
Income Tax 185.0K 107.0K -409.0K -1.7M 371.0K
Net Income -128.6M -240.1M -108.7M 135.4M 5.6M
EPS (Diluted) -$1.44 -$2.87 -$1.31 $1.43 $0.34

Income Statement Trend

Upstart Holdings Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets - - - - -
Non-Current Assets - - - - -
Total Assets 2.4B - - - -
Liabilities
Current Liabilities - - - - -
Non-Current Liabilities - - - - -
Total Liabilities 1.7B - - - -
Equity
Total Shareholders Equity 633.2M 635.3M 672.4M 807.1M 300.3M

Balance Sheet Composition

Upstart Holdings Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income -128.6M -240.1M -108.7M 135.4M 5.6M
Operating Cash Flow 171.4M -352.3M -826.7M 106.5M -32.8M
Investing Activities
Capital Expenditures -837.0K -1.5M -8.8M -8.4M -1.4M
Investing Cash Flow -50.7M -54.1M -8.3M -53.7M 13.3M
Financing Activities
Dividends Paid - - - - -
Financing Cash Flow 530.8M 193.0M 110.0M 836.6M 76.7M
Free Cash Flow 176.3M -172.6M -697.6M 153.2M 10.1M

Cash Flow Trend

Upstart Holdings Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) -43.35
Forward P/E 155.45
Price to Book 8.30
Price to Sales 7.41
PEG Ratio 155.45

Profitability Ratios

Profit Margin -8.75%
Operating Margin 1.15%
Return on Equity -10.30%
Return on Assets -2.17%

Financial Health

Current Ratio 22.32
Debt to Equity 215.45
Beta 2.30

Per Share Data

EPS (TTM) -$0.73
Book Value per Share $7.12
Revenue per Share $8.32

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
upst 5.6B -43.35 8.30 -10.30% -8.75% 215.45
Visa 679.7B 34.97 17.57 50.66% 52.86% 54.59
Mastercard 492.5B 37.98 73.98 187.70% 45.21% 280.80
Synchrony Financial 9.9B - 0.63 18.60% 34.04% 1.03
SLM 6.7B 11.08 3.11 27.60% 42.99% 256.05
OneMain Holdings 6.4B 11.42 1.96 17.46% 21.95% 655.31

Financial data is updated regularly. All figures are in the company's reporting currency.