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Upstart Holdings Inc (UPST) Key Ratios

Stock Card factsheet share-fund-plan-icon

$23.02

up-down-arrow $-1.82 (-7.33%)

As on 30-Oct-2026 16:26EST

Market cap

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$2,240 Mln

Revenue (TTM)

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$1,286 Mln

P/E Ratio

info icon

46

P/B Ratio

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3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 18.41 42.32 45.33 33.30 22.44
EBIT 361.40 203.27 1,108.04 30.43 -3.70
Net Profit 348.86 194.97 45.28 32.78 21.54
EPS 319.78 176.51 805.03 29.35 -9.80
Book Value -- -- 3.61 -4.52 -9.22
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info -19.25-10.934.805.05-18.97
Net Margin info --1.654.69----
Return on equity info -16.50-7.957.567.49-20.27
Return on Capital info -6.06-2.20--2.26-6.73
Return on Assets info -5.34-2.001.622.01-5.87
Debt to Equity (x) info ----2.202.322.29

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
2.26
-6.73
-13.73
-6.46
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

7.56

Lower than Peers by 3.44

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
7.56
7.49
-20.27
-36.72
-14.69
Peer Median
11.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

1.62

Lower than Peers by 0.07

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
1.62
2.01
-5.87
-12.15
-5.79
Peer Median
1.68
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

4.80

Lower than Peers by 12.75

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
4.80
5.05
-18.97
-43.82
-13.52
Peer Median
17.55
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

4.69

Lower than Peers by 4.70

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
4.69
4.98
-18.99
-43.84
-12.76
Peer Median
9.39
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

45.33

Higher than Peers by 29.61

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
45.33
0.59
0.24
-0.35
-0.01
Peer Median
15.72
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

1,108.04

Higher than Peers by 1,082.23

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
1,108.04
142.31
46.51
-110.80
-180.82
Peer Median
25.81
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

45.28

Higher than Peers by 30.53

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
45.28
141.69
46.45
-120.98
-180.23
Peer Median
14.74
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

805.03

Higher than Peers by 791.18

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
805.03
1.34
0.50
-1.12
-1.96
Peer Median
13.85
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

3.54

Lower than Peers by 3.10

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
3.54
--
--
--
--
Peer Median
6.64
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

2.20

Higher than Peers by 1.01

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
2.20
2.32
2.29
1.74
1.62
Peer Median
1.19
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.09

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
0.09
0.12
0.31
0.61
0.50
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

14.10

Higher than Peers by 11.78

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
14.10
2.99
2.36
0.98
1.25
Peer Median
2.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

14.10

Higher than Peers by 12.03

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
14.10
--
--
1.10
4.20
Peer Median
2.07
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

2.03

Higher than Peers by 0.27

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
2.03
1.05
-2.67
-6.06
-10.50
Peer Median
1.76
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

4.53

Lower than Peers by 14.32

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
4.53
9.06
10.38
10.10
6.27
Peer Median
18.84
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.34

Higher than Peers by 0.20

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
0.34
0.40
0.31
0.28
0.45
Peer Median
0.15
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
28.48
33.89
36.07
25.29
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
--
-419.97
-5,694.71
-1,153.86
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
157.20
94.84
144.48
24.56
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
--
-480.92
-5,803.12
-1,153.13
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

46.04

Higher than Peers by 33.27

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
46.04
91.56
-44.14
-14.56
-10.00
Peer Median
12.77
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

3.03

Higher than Peers by 1.32

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
3.03
6.14
8.96
5.50
1.62
Peer Median
1.71
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
--
--
--
--
Peer Median
1.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
--
76.54
-58.68
-19.43
-16.95
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

2,240

Higher than Peers by 1,797

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Upstart Holdings Inc (UPST)
2,240
--
--
--
--
Peer Median
443
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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