UPST

Upstart Holdings Inc.

Price

$23.00

return (12m)

-55.74%

p/e

36.82

p/bv

2.79

DIVIDEND YIELD

0.00%

UPST price

Upstart Holdings

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment UPST

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

-18.38%

3 months

-32.21%

1 year

-55.74%

2 years

-40.93%

5 years

-92.06%

10 years

0.00%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals UPST

Valuation

P/E

36.82

Sector -140.10

Industry 9.55

P/BV

2.79

Sector -9.69

Industry 1.03

P/Revenue (PSR)

1.78

Sector -11.72

Industry 1.01

EV/EBITDA

Sector -949.93

Industry 14.90

EV/EBIT

Sector -144,504,606,179.01

Industry -46.82

P/EBITDA

Sector -105.44

Industry 4.04

P/EBIT

Sector -123.02

Industry -1.32

P/Total Assets

0.70

Sector 0.14

Industry 0.30

P/Net Current Assets

-0.94

Sector -7.21

Industry -8.99

P/Working Capital

Sector -

Industry -0.54

EPS

0.62

Sector -9,582.34

Industry 4.26

BVPS

8.26

Sector -17,263.84

Industry 25.97

Efficiency

Gross Margin

100.00%

Sector 0.86%

Industry 57.13%

EBITDA Margin

0.00%

Sector -277.40%

Industry 18.30%

EBIT Margin

0.00%

Sector -861,214.43%

Industry 10.70%

Operating Margin

3.99%

Sector -7.12%

Industry 11.56%

Net Profit Margins

4.84%

Sector -2.50%

Industry 8.54%

Asset Turnover

0.12

Sector 0.00

Industry 0.07

Profitability

ROE

7.57%

Sector -1,328.17%

Industry 11.98%

ROA

1.90%

Sector -8.24%

Industry 2.60%

ROIC

0.00%

Sector -12.38%

Industry -3.48%

Dividends

Dividend yield

0.00%

Sector 0.26%

Industry 0.51%

Payout

0.00%

Sector 5.48%

Industry 9.02%

Debt

Current Ratio

Sector -

Industry 1.04

Net Debt / EBITDA

Sector -151.60

Industry 0.04

Net Debt / EBIT

Sector -221,344,958,784.12

Industry -41.60

Net Debt / Equity

-0.57

Sector -0.85

Industry 0.22

Gross Debt / Equity

0.00

Sector -0.23

Industry 0.71

Equity/Assets

0.25

Sector -0.03

Industry 0.24

Liabilities/Assets

0.75

Sector 0.36

Industry 0.72

Growth

5Y Revenue CAGR

7.99%

Sector -

Industry -

5Y Earnings CAGR

-14.93%

Sector -

Industry -

Fundamentals UPST

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FAIR VALUE OF Upstart Holdings ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$23.00

Fair Value

$10.73

Upside

-53.33%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
UPST Upstart Holdings Inc.	$23.00	-55.88%	0.00%	36.82	2.79	7.57%	4.84%
SLMBP SLM Corporation	$73.88	6.54%	8.15%	18.04	10.41	57.72%	42.90%
WRLD World Acceptance Corporation	$173.99	2.64%	0.00%	20.26	2.20	10.86%	6.65%
LX LexinFintech Holdings Ltd.	$0.68	-86.66%	22.02%	0.56	0.06	11.62%	10.79%
JFIN Jiayin Group Inc.	$1.30	-88.03%	0.00%	0.52	0.11	20.58%	17.79%
SLM SLM Corporation	$22.65	-15.52%	2.30%	5.81	1.73	29.72%	37.51%
TREE LendingTree Inc.	$24.39	-62.30%	0.00%	1.87	1.06	56.63%	14.32%
ATLC Atlanticus Holdings Corporation	$91.73	57.99%	0.00%	9.03	1.99	22.08%	21.10%
JPM JPMorgan Chase & Co.	$331.19	9.17%	1.82%	14.30	2.46	17.19%	21.63%
NU Nu Holdings (NuBank)	$13.11	-13.73%	0.00%	17.82	4.85	27.22%	18.61%
MA Mastercard Incorporated	$551.26	-3.17%	0.61%	29.86	86.59	289.99%	46.34%
BAC Bank of America Corporation	$53.61	8.05%	2.16%	11.40	1.27	11.17%	28.21%
INTR Inter & Co. Inc. Class A Common Shares (Banco Inter)	$5.30	-39.06%	2.13%	42.61	6.02	14.12%	9.28%
BRK-B Berkshire Hathaway INC.	$500.58	0.48%	0.00%	12.55	1.44	11.46%	22.34%
HSBC HSBC Holdings PLC	$95.62	40.02%	3.78%	13.60	1.75	12.84%	18.78%
BRK-A Berkshire Hathaway INC.	$751,683.52	0.59%	0.00%	12.57	1.44	11.45%	22.32%
C Citigroup Inc.	$127.70	32.11%	1.93%	13.16	1.05	7.94%	9.67%
BLK BlackRock Inc.	$1,066.36	-4.51%	2.10%	19.46	3.05	15.67%	33.08%
RY ROYAL BANK OF CANADA	$195.35	37.24%	2.43%	53.84	7.18	13.34%	15.74%
ITUB Itau Unibanco Banco Holding SA	$8.29	29.91%	6.91%	72.17	11.30	15.66%	9.29%
AXP American Express Company	$302.57	-6.62%	1.17%	17.97	5.97	33.19%	14.69%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

UPST - Historical Dividends

no dividend paid in the period.

Current Dividend Yield

0.00%

5-year average Dividend Yield

0.00%

Current Payout

—

5-year average Payout

—

ABOUT Upstart Holdings

Upstart Holdings Inc.

Average Investor10 user rating

4.0 (3 people)

United States

13 years

Founded: 2013

2020

Time since IPO - 6 years

554

Employees

Upstart Holdings Inc. (United States) is listed on the Nasdaq and has a market capitalization of $2.22 billion, with shareholders equity totaling $797.49 million.

The company employs approximately 554 people and operates in the Financial sector, within the Consumer Finances industry.

Over the past 12 months, Upstart Holdings Inc. reported $1.25 billion in revenue, generating net income of $60.33 million.

Key financial metrics include a P/E ratio of 36.82, a price-to-book (P/B) ratio of 2.79, and a trailing twelve-month dividend yield of 0.00%.

The company trades under the ticker UPST.

Market cap

$2.22 billion

Net worth

$797.49 million

$797,488,000.00

Assets

$3.17 billion

$3,171,273,000.00

Total Shares Outstanding

96.57 million

96,573,000

Average Daily Trading Volume

$4.49 million

$4,493,114.00

Sector

Financial

Industry

Consumer Finances

UPST

UPST revenue and profits

Financial Results UPST

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UPST cash flow

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