UPSTART HOLDINGS INC (1UPST.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1UPST • US91680M1071

33.19 EUR
-8.36 (-20.11%)
Last: Feb 3, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1UPST. 1UPST was compared to 10 industry peers in the Consumer Finance industry. Both the profitability and financial health of 1UPST have multiple concerns. 1UPST is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year 1UPST was profitable.
  • In the past year 1UPST has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: 1UPST reported negative net income in multiple 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 0 -200M -400M -600M

1.2 Ratios

  • With a Return On Assets value of -0.26%, 1UPST is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
  • 1UPST has a worse Return On Equity (-0.88%) than 70.00% of its industry peers.
Industry RankSector Rank
ROA -0.26%
ROE -0.88%
ROIC N/A
ROA(3y)-7.65%
ROA(5y)-2.85%
ROE(3y)-24.75%
ROE(5y)-11.1%
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 0 10 -10 -20 -30

1.3 Margins

  • The Gross Margin of 1UPST (80.43%) is better than 70.00% of its industry peers.
  • 1UPST's Gross Margin has declined in the last couple of years.
  • 1UPST does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 80.43%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.44%
GM growth 5Y-2.38%
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 0 20 -20 40 -40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • 1UPST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1UPST has more shares outstanding
  • Compared to 5 years ago, 1UPST has more shares outstanding
  • 1UPST has a worse debt/assets ratio than last year.
1UPST.MI Yearly Shares Outstanding1UPST.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of 1.43, we must say that 1UPST is in the distress zone and has some risk of bankruptcy.
  • 1UPST has a better Altman-Z score (1.43) than 90.00% of its industry peers.
  • A Debt/Equity ratio of 1.98 is on the high side and indicates that 1UPST has dependencies on debt financing.
  • The Debt to Equity ratio of 1UPST (1.98) is worse than 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Altman-Z 1.43
ROIC/WACCN/A
WACC7.16%
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 0 500M -500M 1B

2.3 Liquidity

  • A Current Ratio of 1.48 indicates that 1UPST should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.48, 1UPST belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • A Quick Ratio of 1.48 indicates that 1UPST should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.48, 1UPST belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.48
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 200M 400M 600M 800M 1B

More info and screens

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

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 321.54% over the past year.
  • Looking at the last year, 1UPST shows a very strong growth in Revenue. The Revenue has grown by 73.29%.
  • 1UPST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.13% yearly.
EPS 1Y (TTM)321.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%966.67%
Revenue 1Y (TTM)73.29%
Revenue growth 3Y-9.14%
Revenue growth 5Y31.13%
Sales Q2Q%70.9%

3.2 Future

  • The Earnings Per Share is expected to grow by 80.22% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 30.29% on average over the next years. This is a very strong growth
EPS Next Y679.29%
EPS Next 2Y228.47%
EPS Next 3Y138.67%
EPS Next 5Y80.22%
Revenue Next Year72.97%
Revenue Next 2Y46.3%
Revenue Next 3Y36.23%
Revenue Next 5Y30.29%

3.3 Evolution

  • 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 500M 1B 1.5B 2B
1UPST.MI Yearly EPS VS Estimates1UPST.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 27.43, 1UPST can be considered very expensive at the moment.
  • 1UPST's Price/Earnings ratio is a bit more expensive when compared to the industry. 1UPST is more expensive than 60.00% of the companies in the same industry.
  • 1UPST is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 16.03, which indicates a correct valuation of 1UPST.
  • 60.00% of the companies in the same industry are cheaper than 1UPST, based on the Price/Forward Earnings ratio.
  • 1UPST is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.43
Fwd PE 16.03
1UPST.MI Price Earnings VS Forward Price Earnings1UPST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1UPST.MI Per share data1UPST.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

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 138.67% in the coming years.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y228.47%
EPS Next 3Y138.67%

More info and screens

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

0

5. Dividend

5.1 Amount

  • 1UPST does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

UPSTART HOLDINGS INC

BIT:1UPST (2/3/2026, 7:00:00 PM)

33.19

-8.36 (-20.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners72.65%
Inst Owner ChangeN/A
Ins Owners12.27%
Ins Owner ChangeN/A
Market Cap3.23B
Revenue(TTM)966.73M
Net Income(TTM)-6.35M
Analysts74
Price Target53.95 (62.55%)
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)2
Avg EPS beat(2)53.67%
Min EPS beat(2)37.87%
Max EPS beat(2)69.47%
EPS beat(4)4
Avg EPS beat(4)208.66%
Min EPS beat(4)37.87%
Max EPS beat(4)667.46%
EPS beat(8)7
Avg EPS beat(8)92.05%
EPS beat(12)10
Avg EPS beat(12)69%
EPS beat(16)13
Avg EPS beat(16)56.47%
Revenue beat(2)2
Avg Revenue beat(2)8.39%
Min Revenue beat(2)4.86%
Max Revenue beat(2)11.92%
Revenue beat(4)4
Avg Revenue beat(4)7.47%
Min Revenue beat(4)4.86%
Max Revenue beat(4)11.92%
Revenue beat(8)7
Avg Revenue beat(8)3.34%
Revenue beat(12)8
Avg Revenue beat(12)1.38%
Revenue beat(16)11
Avg Revenue beat(16)1.77%
PT rev (1m)3.68%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.63%
EPS NY rev (3m)-3.85%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.04%
Valuation
Industry RankSector Rank
PE 27.43
Fwd PE 16.03
P/S 4.51
P/FCF N/A
P/OCF N/A
P/B 5.32
P/tB 5.94
EV/EBITDA N/A
EPS(TTM)1.21
EY3.65%
EPS(NY)2.07
Fwd EY6.24%
FCF(TTM)-0.71
FCFYN/A
OCF(TTM)-0.56
OCFYN/A
SpS7.37
BVpS6.24
TBVpS5.59
PEG (NY)0.04
PEG (5Y)N/A
Graham Number13.04
Profitability
Industry RankSector Rank
ROA -0.26%
ROE -0.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.43%
FCFM N/A
ROA(3y)-7.65%
ROA(5y)-2.85%
ROE(3y)-24.75%
ROE(5y)-11.1%
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 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.44%
GM growth 5Y-2.38%
F-Score5
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 73.61%
Cap/Sales 1.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.48
Quick Ratio 1.48
Altman-Z 1.43
F-Score5
WACC7.16%
ROIC/WACCN/A
Cap/Depr(3y)88.9%
Cap/Depr(5y)142.64%
Cap/Sales(3y)2.21%
Cap/Sales(5y)2.17%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)321.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%966.67%
EPS Next Y679.29%
EPS Next 2Y228.47%
EPS Next 3Y138.67%
EPS Next 5Y80.22%
Revenue 1Y (TTM)73.29%
Revenue growth 3Y-9.14%
Revenue growth 5Y31.13%
Sales Q2Q%70.9%
Revenue Next Year72.97%
Revenue Next 2Y46.3%
Revenue Next 3Y36.23%
Revenue Next 5Y30.29%
EBIT growth 1Y76.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year222.32%
EBIT Next 3Y62.9%
EBIT Next 5Y39.09%
FCF growth 1Y69.61%
FCF growth 3Y4.79%
FCF growth 5Y46.31%
OCF growth 1Y73.99%
OCF growth 3Y3.44%
OCF growth 5Y42.62%

UPSTART HOLDINGS INC / 1UPST.MI FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to 1UPST.MI.


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

ChartMill assigns a valuation rating of 3 / 10 to UPSTART HOLDINGS INC (1UPST.MI). This can be considered as Overvalued.


What is the profitability of 1UPST stock?

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


How financially healthy is UPSTART HOLDINGS INC?

The financial health rating of UPSTART HOLDINGS INC (1UPST.MI) is 3 / 10.