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    • Upstart Inc. logo

    Upstart Inc.

    UPST | NASDAQ
    Chart Builder DCF Calculator
    $25.97
    +$0.39 (+1.52%)
    Sep 22, 2026, 4:00 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $2.45B
    Enterprise Value
    $3.98B
    Beta
    2.17
    Average Volume
    4.52M
    Shares Outstanding (Diluted)
    109.72M
    Shares Change YoY
    6.68%
    Institutional Ownership
    58.39%
    Exchange
    NASDAQ
    ISIN
    US91680M1071

    Price Performance

    Price Change 1M
    -15.3%
    Price Change 3M
    -18.7%
    Price Change 6M
    -1.9%
    Price Change YTD
    -44.2%
    Price Change 1Y
    -60.6%
    Price Change 3Y
    -3.6%
    Price Change 5Y
    -92.2%
    1M CAGR (ann.)
    -17.7%
    1Y CAGR (ann.)
    -62.4%
    5Y CAGR (ann.)
    -38.0%
    All-Time CAGR
    -2.4%

    Valuation

    PE Ratio
    50.16
    Forward PE
    12.06
    PEG Ratio
    0.04
    Forward PEG
    0.24
    PS Ratio
    2.12
    Forward PS
    1.30
    PB Ratio
    3.07
    P/FCF Ratio
    -5.60
    P/Adj. FCF Ratio
    -3.96
    P/OCF Ratio
    -8.70
    EV/Sales
    3.44
    EV/EBIT
    69.78
    EV/EBITDA
    48.17
    EV/FCF
    -9.10
    Earnings Yield
    2.0%
    FCF Yield
    -17.9%
    Adj. FCF Yield
    -25.2%

    Financial Health

    Net Debt
    $1.51B
    Total Debt
    $1.99B
    Cash & Short-Term Investments
    $455.96M
    Total Assets
    $3.17B
    Current Ratio
    14.10
    Quick Ratio
    14.10
    Debt / Equity Ratio
    2.54
    Debt / EBITDA
    24.04
    Debt / FCF
    -4.54
    OCF / Debt
    -0.21
    Interest Coverage
    1.03
    Altman Z-Score
    1.23
    Piotroski F-Score
    3

    Margins & Profitability

    Gross Profit Margin
    95.4%
    Operating Profit Margin
    4.2%
    EBITDA Margin
    6.8%
    Net Profit Margin
    4.7%
    FCF Margin
    -37.8%
    Adj. FCF Margin
    -53.5%
    SBC / Revenue
    11.3%
    SBC Impact (per share)
    -41.3%

    Returns

    Return on Assets
    1.9%
    Return on Equity
    7.8%
    Return on Invested Capital
    2.0%
    Return on Capital Employed
    2.0%
    Return on Tangible Assets
    2.0%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    27.5%
    Revenue CAGR 5Y
    20.2%
    Revenue CAGR 10Y
    N/A
    EPS CAGR 3Y
    224.2%
    EPS CAGR 5Y
    -4.4%
    EPS CAGR 10Y
    N/A
    FCF CAGR 3Y
    -66.9%
    FCF CAGR 5Y
    -3.3%
    FCF CAGR 10Y
    N/A

    Analyst Forecasts

    Analyst Rating
    Buy
    Analyst Count
    22
    EPS Growth Next 3Y
    111.3%
    Revenue Growth Next 3Y
    45.7%
    Earnings Date
    Nov 2, 2026
    EPS Estimate (next Q)
    $0.60
    EPS Growth Est (next Q)
    15.4%
    Revenue Est (next Q)
    $365.18M
    Revenue Growth Est (next Q)
    27.7%

    Fair Value Estimates

    Graham Number
    $9.74
    Graham Upside
    -61.9%
    Lynch Fair Value
    $2.55
    Lynch Upside
    -90.0%
    Price Target
    $39.25
    Price Target Upside
    53.4%

    Cash Flow

    Operating Cash Flow
    $-417.3M
    Free Cash Flow
    $-436.99M
    Adj. Free Cash Flow
    $-617.68M
    FCF Per Share
    -$3.07
    OCF Per Share
    -$2.94
    OCF/S Ratio
    -22.1%

    Income Statement

    Revenue
    $1.16B
    Gross Profit
    $860.22M
    Operating Income
    $48.12M
    EBITDA
    $82.58M
    Net Income
    $60.33M
    EPS (Diluted)
    $0.51
    Revenue / Employee
    $822.47K
    Profit / Employee
    $42.94K
    Employees
    1,405

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