Upstart Holdings, Inc.(UPST) Stock Research - Grey Stern Research
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Upstart Holdings, Inc. (UPST) Stock Analysis

$52.93 (-3.76%)

UPST Financial Performance


Use the table below to view Upstart Holdings, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $55.14 -
52 Week Low $20.60 -
52 Week High $96.43 -
Market Cap $5.2 Billion 8/8
Gross Margin 100% 1/8
Profit Margin -1% 7/8
EBITDA margin -2% 8/8
Q3 - 2024 Revenue $219.0 Million 8/8
Q3 - 2024 Earnings -$2.8 Million 7/8
Q3 - 2024 Free Cash Flow $0 Million 7/8
Trailing 4 Quarters Revenue $468.9 Million 8/8
Trailing 4 Quarters Earnings -$128.6 Million 8/8
Quarterly Earnings Growth 94% 2/8
Annual Earnings Growth 21% 2/8
Quarterly Revenue Growth 56% 1/8
Annual Revenue Growth -14% 8/8
Cash On Hand $788.4 Million 8/8
Short Term Debt $0 5/8
Long Term Debt $0 7/8

Upstart Holdings, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Upstart Holdings, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE -1.00 8/8
PS 11.02 3/8
PB 8.16 3/8
PC 6.55 4/8
Liabilities to Equity 2.74 7/8
ROA -0.05 8/8
ROE -0.20 8/8
Current Ratio 1.37 2/8
Quick Ratio 0.48 1/8
Long Term Debt to Equity 0.00 7/8
Debt to Equity 0.00 7/8
Burn Rate 286.18 1/8
Cash to Cap 0.15 5/8
CCR 7/8
EV to EBITDA -921.85 8/8
EV to Revenue 9.34 3/8

Company Details

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-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.

CEO: Mr. David J. Girouard

Website: https://www.upstart.com

Address: 2950 South Delaware Street San Mateo, CA

Exchange: NASDAQ Global Select

Industry: Credit Services

Upstart Holdings, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Upstart Holdings, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
American Express Company AXP $196.2 Billion
Visa Inc. V $673.2 Billion
PayPal Holdings, Inc. PYPL $70.1 Billion
Mastercard Incorporated MA $493.3 Billion
Ally Financial Inc. ALLY $11.5 Billion
Capital One Financial Corporation COF $69.6 Billion
SoFi Technologies, Inc. SOFI $14.8 Billion
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Income Statement
Balance Sheet
Cash Flow Statement
UPST Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 219.0 Million -$2.8 Million
Q3 2024 $ 5.5 Million -$6.8 Million
Q2 2024 $ 127.6 Million -$54.5 Million
Q1 2024 $ 127.8 Million -$64.6 Million
Q4 2023 $ 140.3 Million -$42.4 Million
Q3 2023 $ 134.6 Million -$40.3 Million
Q2 2023 $ 135.8 Million -$28.2 Million
Q1 2023 $ 102.9 Million -$129.3 Million

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UPST Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $788.4 Million $2.4 Billion $0 $633.2 Million
Q3 2024 $445.3 Million $1.8 Billion $0 $595.5 Million
Q2 2024 $560.6 Million $1.8 Billion $1.1 Billion $594.7 Million
Q1 2024 $439.2 Million $1.9 Billion $1.2 Billion $612.8 Million
Q4 2023 $368.4 Million $2.0 Billion $0 $635.3 Million
Q3 2023 $516.6 Million $2.0 Billion $1.1 Billion $640.8 Million
Q2 2023 $443.7 Million $1.8 Billion $1.0 Billion $638.1 Million
Q1 2023 $386.9 Million $1.8 Billion $1.1 Billion $627.2 Million

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UPST Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $182.6 Million $3.2 Million $44.6 Million
Q2 2024 $63.0 Million -$2.3 Million $121.5 Million
Q1 2024 $50.9 Million -$1.7 Million -$28.6 Million
Q4 2023 $177,000 $0 $177,000
Q3 2023 -$106.4 Million -$2.9 Million $105.1 Million
Q2 2023 $160.4 Million -$2.0 Million $58.0 Million
Q1 2023 -$81.2 Million -$5.5 Million -$80.6 Million
Q4 2022 -$257.9 Million -$5.0 Million -$297.5 Million

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