UPSTART HOLDINGS INC (1UPST.MI) Fundamental Analysis & Valuation

BIT:1UPST • US91680M1071

Current stock price

22.02 EUR
-0.59 (-2.61%)
Last:

This 1UPST.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1UPST.MI Profitability Analysis

1.1 Basic Checks

  • 1UPST had positive earnings in the past year.
  • 1UPST had a negative operating cash flow in the past year.
  • In multiple years 1UPST reported negative net income over the last 5 years.
  • In multiple years 1UPST reported negative operating cash flow during the last 5 years.
1UPST.MI Yearly Net Income VS EBIT VS OCF VS FCF1UPST.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M -600M

1.2 Ratios

  • The Return On Assets of 1UPST (1.80%) is comparable to the rest of the industry.
  • The Return On Equity of 1UPST (6.71%) is worse than 63.64% of its industry peers.
  • With a Return On Invested Capital value of 1.21%, 1UPST perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
Industry RankSector Rank
ROA 1.8%
ROE 6.71%
ROIC 1.21%
ROA(3y)-5.18%
ROA(5y)-2.74%
ROE(3y)-17.13%
ROE(5y)-10.15%
ROIC(3y)N/A
ROIC(5y)N/A
1UPST.MI Yearly ROA, ROE, ROIC1UPST.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20 -30

1.3 Margins

  • Looking at the Profit Margin, with a value of 5.13%, 1UPST is doing worse than 72.73% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1UPST has grown nicely.
  • 1UPST has a Operating Margin (4.08%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of 1UPST has declined.
  • The Gross Margin of 1UPST (81.95%) is better than 72.73% of its industry peers.
  • 1UPST's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 4.08%
PM (TTM) 5.13%
GM 81.95%
OM growth 3YN/A
OM growth 5Y-4.12%
PM growth 3YN/A
PM growth 5Y14.91%
GM growth 3Y1.8%
GM growth 5Y-0.47%
1UPST.MI Yearly Profit, Operating, Gross Margins1UPST.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

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4

2. 1UPST.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1UPST is destroying value.
  • 1UPST has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1UPST has more shares outstanding
  • The debt/assets ratio for 1UPST is higher compared to a year ago.
1UPST.MI Yearly Shares Outstanding1UPST.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
1UPST.MI Yearly Total Debt VS Total Assets1UPST.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • 1UPST has an Altman-Z score of 1.06. This is a bad value and indicates that 1UPST is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of 1UPST (1.06) is better than 90.91% of its industry peers.
  • A Debt/Equity ratio of 2.29 is on the high side and indicates that 1UPST has dependencies on debt financing.
  • 1UPST has a worse Debt to Equity ratio (2.29) than 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.29
Debt/FCF N/A
Altman-Z 1.06
ROIC/WACC0.19
WACC6.36%
1UPST.MI Yearly LT Debt VS Equity VS FCF1UPST.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 2.15 indicates that 1UPST has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.15, 1UPST belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 2.15 indicates that 1UPST has no problem at all paying its short term obligations.
  • The Quick ratio of 1UPST (2.15) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.15
Quick Ratio 2.15
1UPST.MI Yearly Current Assets VS Current Liabilites1UPST.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. 1UPST.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 685.71% over the past year.
  • Measured over the past years, 1UPST shows a very strong growth in Earnings Per Share. The EPS has been growing by 44.19% on average per year.
  • Looking at the last year, 1UPST shows a very strong growth in Revenue. The Revenue has grown by 63.99%.
  • The Revenue has been growing by 34.93% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)685.71%
EPS 3Y132.79%
EPS 5Y44.19%
EPS Q2Q%76.92%
Revenue 1Y (TTM)63.99%
Revenue growth 3Y7.41%
Revenue growth 5Y34.93%
Sales Q2Q%48.54%

3.2 Future

  • Based on estimates for the next years, 1UPST will show a very strong growth in Earnings Per Share. The EPS will grow by 36.86% on average per year.
  • Based on estimates for the next years, 1UPST will show a very strong growth in Revenue. The Revenue will grow by 33.40% on average per year.
EPS Next Y41.11%
EPS Next 2Y45.32%
EPS Next 3Y42.38%
EPS Next 5Y36.86%
Revenue Next Year36.52%
Revenue Next 2Y34.64%
Revenue Next 3Y31.53%
Revenue Next 5Y33.4%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
1UPST.MI Yearly Revenue VS Estimates1UPST.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B
1UPST.MI Yearly EPS VS Estimates1UPST.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

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5

4. 1UPST.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.73, 1UPST is valued correctly.
  • 1UPST's Price/Earnings ratio is a bit cheaper when compared to the industry. 1UPST is cheaper than 63.64% of the companies in the same industry.
  • 1UPST is valuated rather cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.14, the valuation of 1UPST can be described as very reasonable.
  • 1UPST's Price/Forward Earnings is on the same level as the industry average.
  • 1UPST is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.73
Fwd PE 11.14
1UPST.MI Price Earnings VS Forward Price Earnings1UPST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 1UPST's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 53.7
1UPST.MI Per share data1UPST.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as 1UPST's earnings are expected to grow with 42.38% in the coming years.
PEG (NY)0.38
PEG (5Y)0.36
EPS Next 2Y45.32%
EPS Next 3Y42.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1UPST.MI Dividend Analysis

5.1 Amount

  • No dividends for 1UPST!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

1UPST.MI Fundamentals: All Metrics, Ratios and Statistics

UPSTART HOLDINGS INC

BIT:1UPST (4/2/2026, 7:00:00 PM)

22.02

-0.59 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners68.42%
Inst Owner ChangeN/A
Ins Owners12.63%
Ins Owner ChangeN/A
Market Cap2.09B
Revenue(TTM)1.04B
Net Income(TTM)53.60M
Analysts75.24
Price Target42.77 (94.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.4%
Min EPS beat(2)-2.1%
Max EPS beat(2)20.91%
EPS beat(4)3
Avg EPS beat(4)31.54%
Min EPS beat(4)-2.1%
Max EPS beat(4)69.47%
EPS beat(8)7
Avg EPS beat(8)116.52%
EPS beat(12)10
Avg EPS beat(12)82.03%
EPS beat(16)12
Avg EPS beat(16)48.36%
Revenue beat(2)1
Avg Revenue beat(2)-1.16%
Min Revenue beat(2)-2.85%
Max Revenue beat(2)0.53%
Revenue beat(4)3
Avg Revenue beat(4)3.62%
Min Revenue beat(4)-2.85%
Max Revenue beat(4)11.92%
Revenue beat(8)7
Avg Revenue beat(8)3.55%
Revenue beat(12)8
Avg Revenue beat(12)1.28%
Revenue beat(16)10
Avg Revenue beat(16)0.51%
PT rev (1m)-16.72%
PT rev (3m)-17.81%
EPS NQ rev (1m)-4.37%
EPS NQ rev (3m)-21.09%
EPS NY rev (1m)-5.22%
EPS NY rev (3m)-6.32%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)8.84%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)11%
Valuation
Industry RankSector Rank
PE 15.73
Fwd PE 11.14
P/S 2.34
P/FCF N/A
P/OCF N/A
P/B 3.06
P/tB 3.38
EV/EBITDA 53.7
EPS(TTM)1.4
EY6.36%
EPS(NY)1.98
Fwd EY8.97%
FCF(TTM)-1.5
FCFYN/A
OCF(TTM)-1.33
OCFYN/A
SpS9.4
BVpS7.19
TBVpS6.51
PEG (NY)0.38
PEG (5Y)0.36
Graham Number15.05
Profitability
Industry RankSector Rank
ROA 1.8%
ROE 6.71%
ROCE 1.61%
ROIC 1.21%
ROICexc 1.6%
ROICexgc 2.13%
OM 4.08%
PM (TTM) 5.13%
GM 81.95%
FCFM N/A
ROA(3y)-5.18%
ROA(5y)-2.74%
ROE(3y)-17.13%
ROE(5y)-10.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-23.69%
ROICexc growth 3YN/A
ROICexc growth 5Y-25.93%
OM growth 3YN/A
OM growth 5Y-4.12%
PM growth 3YN/A
PM growth 5Y14.91%
GM growth 3Y1.8%
GM growth 5Y-0.47%
F-Score5
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 2.29
Debt/FCF N/A
Debt/EBITDA 27.11
Cap/Depr 74.12%
Cap/Sales 1.76%
Interest Coverage 0.98
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.15
Quick Ratio 2.15
Altman-Z 1.06
F-Score5
WACC6.36%
ROIC/WACC0.19
Cap/Depr(3y)57.09%
Cap/Depr(5y)108.25%
Cap/Sales(3y)1.9%
Cap/Sales(5y)2.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)685.71%
EPS 3Y132.79%
EPS 5Y44.19%
EPS Q2Q%76.92%
EPS Next Y41.11%
EPS Next 2Y45.32%
EPS Next 3Y42.38%
EPS Next 5Y36.86%
Revenue 1Y (TTM)63.99%
Revenue growth 3Y7.41%
Revenue growth 5Y34.93%
Sales Q2Q%48.54%
Revenue Next Year36.52%
Revenue Next 2Y34.64%
Revenue Next 3Y31.53%
Revenue Next 5Y33.4%
EBIT growth 1Y124.66%
EBIT growth 3YN/A
EBIT growth 5Y29.37%
EBIT Next Year625.48%
EBIT Next 3Y140.47%
EBIT Next 5Y95.86%
FCF growth 1Y-194.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-179.28%
OCF growth 3YN/A
OCF growth 5YN/A

UPSTART HOLDINGS INC / 1UPST.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for UPSTART HOLDINGS INC?

ChartMill assigns a fundamental rating of 5 / 10 to 1UPST.MI.


What is the valuation status of UPSTART HOLDINGS INC (1UPST.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to UPSTART HOLDINGS INC (1UPST.MI). This can be considered as Fairly Valued.


How profitable is UPSTART HOLDINGS INC (1UPST.MI) stock?

UPSTART HOLDINGS INC (1UPST.MI) has a profitability rating of 3 / 10.


What is the financial health of UPSTART HOLDINGS INC (1UPST.MI) stock?

The financial health rating of UPSTART HOLDINGS INC (1UPST.MI) is 4 / 10.


Can you provide the expected EPS growth for 1UPST stock?

The Earnings per Share (EPS) of UPSTART HOLDINGS INC (1UPST.MI) is expected to grow by 41.11% in the next year.