Upstart Holdings, Inc.

NASDAQ
UPST
Stock
Yield per half year: -13.78%
Dividend yield: 0%
Sector: Financials

Reporting Upstart Holdings, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
0.442 11.42 1.51 2.32 2.69 3.92 51.36
Выручка, млрд $
0.056 0.0961 0.1628 0.2221 0.0052 0.8424 0.5081 0.6288 0.6288 0.4413 23.14
Чистая прибыль, млрд $
-0.008 -0.0123 -0.005 0.006 0.1354 -0.1087 -0.2401 -0.1286 -0.1286 -0.0672 -284.59
EV, млрд $
0.0539 0.0849 0.5449 14.15 1.76 4.56 6.32 6.32 5.47 63.26
EBIT, млрд $
-0.0075 0.0142 0.0261 0.0144 0.137 -0.1139 -0.2216 -0.1324 -0.1324 -0.0633 -255.85
EBITDA, млрд $
0.0018 0.0145 0.0269 0.0167 0.1445 -0.1004 -0.1967 -0.1119 -0.1119 -0.0496 -246.29
OIBDA, млрд $
0.0202 0.1539 -0.1055 -0.2131 -0.1561 -0.1561 -0.0601 -250.53
Баланс стоимость, млрд $
-0.0667 -0.0627 0.3003 0.8071 0.6724 0.6353 0.6332 0.6332 0.6097 16.09
FCF, млрд $
0.01 0.0493 0.0263 0.0101 0.1532 -0.6976 -0.1726 0.1855 0.1855 -0.1043 78.98
Операционный денежный поток, млрд $
0.0104 0.0503 0.0316 0.0157 0.1684 -0.6747 -0.1605 0.1863 0.1863 -0.0930 64.01
Операционная прибыль, млрд $
-0.0075 0.0142 0.0261 0.0144 0.137 -0.1139 -0.2565 -0.1729 -0.1729 -0.0784 -264.39
Операционные расходы, млрд $
0.0648 -0.0819 0.151 0.1884 0.5685 0.9563 0.7481 0.7572 0.7572 0.6437 32.08
CAPEX, млрд $
0.001 0.001 0.0053 0.0056 0.0151 0.0229 0.0015 0.000837 0.000837 0.0092 -31.62


Balance sheet

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.0743 0.0508 0.2508 0.9866 0.4224 0.3684 0.7884 0.7884 0.5633 25.74
Short Term Investments $
0.0084 0.0413 0.0413 0.0413 0.0413 0.0331 48.91
Long term investments $
0.04 0.0413 0.0413 0.0409 1.07
Total Receivables $
0.0108 0.0424 0.0191 0.0083 0.0528 0.0553 0.1266 0.1266 0.0524 45.98
Total Current Assets $
0.0851 0.0933 0.2699 0.9949 1.55 1.64 0.9763 0.9763 1.09 29.32
Чистые активы, млрд $
0.6332 0.0933 0.2699 1.57 0.0442 0.4282 0.0442 0.4811 35.63
Активы, млрд $
0.6459 0.3935 0.4773 1.82 1.94 2.02 2.37 2.37 1.73 37.78
Short Term Debt $
0.0493 0.0846 0.0405 0.048 0.3365 0.3874 0.1956 0.1956 0.2016 37.02
Long Term Debt $
0.0789 0.034 0.0626 0.6954 0.9864 0.653 1.21 1.21 0.7215 80.82
Задолженность, млрд $
0.7006 0.4552 0.177 1.01 1.26 1.38 1.73 1.73 1.11 57.77
Чистый долг, млрд $
0.0539 0.0849 -0.1688 -0.1908 0.6648 0.8608 0.6588 0.6588 0.3650 -231.30
Долг, млрд $
0.1282 0.1357 0.0821 0.7958 1.09 1.23 1.45 1.45 0.9296 77.58
Interest income $
0.0155 0.0373 0.0308 0.0128 0.0506 0.1056 0.1562 0.0712 38.36
Расходы на обслуживание долга $
0.0094 0.0265 0.0265 0.008 0.0033 0.0108 0.0349 0.0481 0.0481 0.0210 43.16
Чист. проц. доходы, млрд $
0.0155 0.0373 0.0308 0.0128 0.0506 0.1056 0.1562 0.1562 0.0712 38.36
Goodwill, млрд $
0.0671 0.0671 0.0671 0.0671 0.00
Амортизация, млрд $
0.0001 0.000314 0.000774 0.0023 0.0075 0.0135 0.0249 0.0205 0.0205 0.0137 54.88
Себестоимость, млрд $
0.0102 0.0154 0.0249 0.0376 0.1176 0.188 0.0249 0.0249 0.0786 0.00
Товарно материальные запасы $
0.0341 0.0191 0.0555 1.18 0.0553 1.33 0.2688 10.15


Share

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS -0.12 -0.1717 -0.3502 0.3416 1.43 -1.31 -2.87 -1.44 -1.44 -0.7697 -233.34
Цена акции ао 26 40.75 18.04 40.86 61.57 54.58 54.58 43.16 6.02
Число акций ао, млн 71 71 71 17 94 82.77 83.77 89.45 89.45 73.40 39.39
FCF/акцию 0.134 0.6872 1.83 0.5762 1.62 -8.43 -2.06 2.07 2.07 -1.2448 29.15


Efficiency

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 36.95 7.76 5.04 24.46 -14.69 -36.72 -20.27 -20.27 -47.34 -8.4360 -232.09
ROA, % -3.81 -0.966 1.37 11.79 -5.79 -12.15 -5.87 -5.87 10.67 -2.1300 -233.78
ROIC, % -2.15 1.44 8.75 -5.7 -17.78 6.57 -3.0880 52.58
ROS, % -15.47 -11.3 -3.06 2.39 15.96 -12.9 -47.26 -20.45 -20.45 -20.45 26.44 -17.0200 -205.08
ROCE, % 7.1 8.63 3.4 7.76 -6.11 -11.8 -6.08 -20.91 -20.91 -60.96 -7.4280 -221.93
Ebit margin, % -2.79 5.04 16.6 -13.52 -43.62 -21.06 -21.06 -21.06 34.79 -16.5320 -204.87
Рентаб EBITDA, % 3.22 15.07 16.5 7.5 2793.7 -11.91 -38.72 -17.79 -17.79 -17.79 38.87 541.50 -136.37
Чистая рентаб, % -13.79 -12.82 -3.08 2.69 2617.76 -12.9 -47.26 -20.45 -20.45 26.43 507.97 -250.03
Operation Margin, % -13.15 -8.03 -2.79 5.04 16.6 -13.52 -50.49 -27.49 -27.49 -27.49 31.91 -20.4780 -210.61
Чистая процентная маржа, % -13.79 -12.82 2.34 16 15.26 22.37 -2.0675 -203.79
Доходность FCF, % 1.37 0.9904 -15.32 -7.42 -5.0949 -252.55


Coefficients

IFRS
Reporting Annual Quarterly
2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
119.28 105.87 23 -9.68 23 25.86 59.62 -153.37
P/BV
2.38 17.77 1.62 5.82 8.94 8.94 -12.42 7.31 30.30
P/S
3.21 2771.38 1.3 7.28 9.01 9.01 6.65 558.44 22.93
P/FCF
73.22 100.97 -6.53 -3.86 -15.59 14.5 14.5 19.35 17.90 -32.17
E/P
0.0076 0.0088 -0.0239 -0.1033 -0.0893 -0.0478 -0.0478 0.05 -0.0511 -240.28
EV/EBIT
-18.55 239.59 100.43 -15.43 -20.57 -47.75 -47.75 -47.75 19.94 -6.2140 -186.18
EV/EBITDA
3.72 3.16 32.71 97.88 -17.51 -23.18 -56.52 -56.52 17.22 6.68 -211.56
EV/S
0.5168 2.53 17.95 2.09 8.97 10.05 10.05 10.05 6.87 9.82 -10.95
EV/FCF
3.23 58.58 99.38 -2.52 -26.42 34.09 34.09 34.09 24.70 27.72 -19.26
Debt/EBITDA
8.85 5.05 4.93 5.51 -10.83 -6.25 -12.98 -12.98 -12.98 1.91 -7.5060 -218.69
Netdebt/Ebitda
-7.03 -22.32 -12.02 -1.29 -6.62 -4.38 -5.89 -5.89 -5.89 0.97 -4.8140 35.49
Debt/Ratio
0.1984 0.3014 0.2161 0.4084 0.5615 0.6094 0.6136 0.6136 0.6136 0.40 0.5613 8.48
Debt/Equity
-1.92 -1.89 0.3434 0.9212 1.62 1.93 2.29 2.74 2.74 -1.48 1.90 24.36
Debt/Net Income
-11.42 -23.63 18.48 5.49 -10 -5.12 -11.3 -11.3 -11.3 3.28 -6.4460 -215.53
PEG
16.58 16.58 3.08 16.58 0.00
Бета
0 5.7 1.57 4.39 4.66 0.6191 0.6191 0.88 3.39 -35.85
Индекс Альтмана
2.38 35.36 10.12 2.07 1.71 1.61 1.61 42.85 10.17 -46.09


Dividends

IFRS
Reporting Annual Quarterly
2018 2019 2020 2021 2022 2023 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0038 0.0038 0.000236 0.0124 0.0084 0.0084 0.0066 17.19
Дивиденд
0
Див доход, ао, %
0 0 0 0 0 1.81
Дивиденды / прибыль, %
-76.12 0 0.1742 -7.76 -3.51 0 56.58 -21.8040 -53.66


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
2.4 1.78 2.72 0.3005 0.1331 0.1331 -43.92
Персонал, чел
554 1 497 1 875 1 388 25.81