Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enable…
Financial - Credit Services
US, San Mateo [HQ]
Ratios
7 Records · Starting from 2017Margins, Growth Rates In %
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||
| Gross Margin | 84.66 | 87.75 | 86.92 | 84.43 | 86.20 | 77.97 | 95.15 | |
| Profit Margin | -11.57 | -9.79 | -0.24 | 2.48 | 15.90 | -12.73 | -46.76 | |
| Operating Margin | 2.82 | 14.72 | 11.49 | 8.20 | 17.07 | -12.07 | -49.95 | |
|
EPS Growth
|
- - | -55.36 | 99.26 | 1,375.00 | 2,020.10 | -175.72 | -119.08 | |
| EPS USD | -56.00 | -87.00 | -0.64 | 8.16 | 173.00 | -131.00 | -287.00 | |
| Return on Assets (ROA) | - - | -1.91 | -0.12 | 1.25 | 7.44 | -5.61 | -11.90 | |
| Return on Equity (ROE) | - - | 18.48 | 0.74 | 1.99 | 16.78 | -16.16 | -37.80 | |
| Return on Invested Capital (ROIC) | - - | 33.06 | 30.48 | 4.39 | 8.69 | -4.93 | -14.01 | |
| Solvency | ||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | - - | 19.84 | 34.48 | 25.68 | 46.35 | 73.53 | 59.33 | |
| Debt/Equity | - - | -192.22 | -216.33 | 40.82 | 104.55 | 211.71 | 188.38 | |
| Debt/EBITDA | - - | 286.11 | 374.06 | -764.70 | -124.77 | -1,118.60 | -335.19 | |
|
Debt/Capitalization
|
- - | 208.43 | 185.96 | 28.99 | 51.11 | 67.92 | 65.32 | |
| Long-Term Debt/Capitalization | - - | 645.59 | -438.78 | 21.46 | 49.65 | 61.79 | 65.04 | |
| Interest Debt per Share USD | - - | 10.95 | 2.21 | 1.78 | 10.85 | 17.33 | 13.87 | |
| Debt Growth | - - | - - | 5.86 | -39.52 | 869.80 | 78.89 | -12.61 | |
| Liquidity | ||||||||
| Current Ratio | - - | 19.07 | 102.30 | 497.32 | 1,822.39 | 387.99 | 335.53 | |
| Quick Ratio | - - | 19.07 | 102.30 | 497.32 | 1,822.39 | 432.21 | 404.80 | |
| Cash Ratio | - - | 16.64 | 55.75 | 462.18 | 1,807.21 | 353.48 | 335.53 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | 300 | -500 | -100 | |
| Turnover | ||||||||
| Inventory Turnover | - - | - - | -73.12 | -197.03 | -1,418.67 | -15.94 | -1.88 | |
| Receivables Turnover | - - | 1,160.37 | 449.31 | 1,265.82 | 10,278.27 | 1,615.06 | 928.06 | |
| Payables Turnover | - - | 527.40 | 380.35 | 272.82 | 1,791.54 | 1,004.51 | 197.44 | |
|
Asset Turnover
|
- - | 19.48 | 48.46 | 50.59 | 46.79 | 44.07 | 25.46 | |
| Fixed Turnover | - - | 8,375.23 | 858.12 | 851.89 | 707.66 | 653.84 | 527.55 | |
| Coverage | ||||||||
| Interest Coverage | 20.00 | 69.90 | 82.73 | 246.59 | 4,440.81 | -950.11 | 735.16 | |
| Asset Coverage | - - | 100 | 200 | 500 | 200 | 100 | 100 | |
| Cash Flow Coverage (CFGR) | - - | 39.28 | 23.28 | 12.81 | 19.95 | -47.39 | -13.41 | |
| EBITDA Coverage | - - | - - | - - | 200 | 4,600 | -800 | 600 | |
| Dividend Coverage | - - | - - | - - | - - | - - | - - | - - | |
| Time Interest Earned (TIE) | 100 | 100 | 100 | 100 | 100 | - - | - - | |
| Market Prospects | ||||||||
| Dividend Yield | - - | - - | - - | - - | - - | - - | - - | |
| Earnings Yield | -1.89 | -2.96 | -0.02 | 0.20 | 1.15 | -9.93 | -7.02 | |
|
Price/Earnings (P/E)
|
-52.9819 | -33.7980 | -4,636.4042 | 499.3392 | 87.2507 | -10.0698 | -14.2533 | |
| Price/Earnings Growth (PEG) | - - | -61.05 | 4,670.76 | -36.32 | 4.32 | 5.73 | -11.97 | |
|
Price/Book (P/B)
|
- - | -624.50 | -3,445.11 | 995.01 | 1,464.23 | 162.73 | 538.75 | |
| Price/Tangible Book (P/TB) | - - | -624.50 | -3,445.11 | 995.01 | 1,464.23 | 162.73 | 538.75 | |
| Price/Sales (P/S) | 612.90 | 330.98 | 1,133.12 | 1,237.38 | 1,387.25 | 128.24 | 666.46 | |
|
Price/Cash Flow (P/CF)
|
3,947.68 | 827.12 | 6,841.13 | 19,032.60 | 7,019.47 | -162.19 | -2,132.60 | |
| Price/Free CF (P/FCF) | 4,266.08 | 844.64 | 8,214.14 | 29,603.12 | 7,711.85 | -156.86 | -1,983.25 | |
| Price/Operating CF (P/OCF) | 3,947.68 | 827.12 | 6,841.13 | 19,032.60 | 7,019.47 | -162.19 | -2,132.60 |