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

Europe - BIT:1UPST - US91680M1071 - Common Stock

45.27 EUR
-10.57 (-18.93%)
Last: 9/29/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1UPST. 1UPST was compared to 9 industry peers in the Consumer Finance industry. 1UPST may be in some trouble as it scores bad on both profitability and health. 1UPST is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

1UPST had positive earnings in the past year.
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.
The reported operating cash flow has been mixed in the past 5 years: 1UPST reported negative operating cash flow in multiple 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

Looking at the Return On Assets, with a value of -0.26%, 1UPST is doing worse than 77.78% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.88%, 1UPST is doing worse than 77.78% of the companies in the same industry.
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

1UPST's Gross Margin of 80.43% is fine compared to the rest of the industry. 1UPST outperforms 66.67% of its industry peers.
In the last couple of years the Gross Margin of 1UPST has declined.
The Profit Margin and Operating Margin are not available for 1UPST so they could not be analyzed.
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

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3

2. Health

2.1 Basic Checks

1UPST does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1UPST has been increased compared to 1 year ago.
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

An Altman-Z score of 1.86 indicates that 1UPST is not a great score, but indicates only limited risk for bankruptcy at the moment.
1UPST has a better Altman-Z score (1.86) than 88.89% 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.
1UPST's Debt to Equity ratio of 1.98 is in line compared to the rest of the industry. 1UPST outperforms 44.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.98
Debt/FCF N/A
Altman-Z 1.86
ROIC/WACCN/A
WACC10.06%
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

1UPST has a Current Ratio of 1.48. This is a normal value and indicates that 1UPST is financially healthy and should not expect problems in meeting its short term obligations.
1UPST has a Current ratio of 1.48. This is in the better half of the industry: 1UPST outperforms 77.78% of its industry peers.
1UPST has a Quick Ratio of 1.48. This is a normal value and indicates that 1UPST is financially healthy and should not expect problems in meeting its short term obligations.
1UPST has a Quick ratio of 1.48. This is in the better half of the industry: 1UPST outperforms 77.78% of its industry peers.
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

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8

3. Growth

3.1 Past

1UPST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 234.38%, which is quite impressive.
Looking at the last year, 1UPST shows a very strong growth in Revenue. The Revenue has grown by 60.62%.
The Revenue has been growing by 31.13% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)234.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%311.76%
Revenue 1Y (TTM)60.62%
Revenue growth 3Y-9.14%
Revenue growth 5Y31.13%
Sales Q2Q%101.59%

3.2 Future

1UPST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 80.22% yearly.
The Revenue is expected to grow by 30.29% on average over the next years. This is a very strong growth
EPS Next Y702.46%
EPS Next 2Y233.15%
EPS Next 3Y139.45%
EPS Next 5Y80.22%
Revenue Next Year76.57%
Revenue Next 2Y49.95%
Revenue Next 3Y38.97%
Revenue Next 5Y30.29%

3.3 Evolution

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

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2

4. Valuation

4.1 Price/Earnings Ratio

1UPST is valuated quite expensively with a Price/Earnings ratio of 62.01.
The rest of the industry has a similar Price/Earnings ratio as 1UPST.
1UPST's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.86.
With a Price/Forward Earnings ratio of 20.85, 1UPST is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1UPST indicates a slightly more expensive valuation: 1UPST is more expensive than 66.67% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of 1UPST to the average of the S&P500 Index (23.32), we can say 1UPST is valued inline with the index average.
Industry RankSector Rank
PE 62.01
Fwd PE 20.85
1UPST.MI Price Earnings VS Forward Price Earnings1UPST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

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

1UPST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1UPST's earnings are expected to grow with 139.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y233.15%
EPS Next 3Y139.45%

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0

5. Dividend

5.1 Amount

1UPST does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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UPSTART HOLDINGS INC

BIT:1UPST (9/29/2025, 7:00:00 PM)

45.27

-10.57 (-18.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners65.95%
Inst Owner ChangeN/A
Ins Owners12.42%
Ins Owner ChangeN/A
Market Cap4.36B
Analysts75
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.25%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 62.01
Fwd PE 20.85
P/S 6
P/FCF N/A
P/OCF N/A
P/B 7.08
P/tB 7.91
EV/EBITDA N/A
EPS(TTM)0.73
EY1.61%
EPS(NY)2.17
Fwd EY4.8%
FCF(TTM)-0.72
FCFYN/A
OCF(TTM)-0.58
OCFYN/A
SpS7.54
BVpS6.39
TBVpS5.72
PEG (NY)0.09
PEG (5Y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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 1.86
F-Score5
WACC10.06%
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)234.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%311.76%
EPS Next Y702.46%
EPS Next 2Y233.15%
EPS Next 3Y139.45%
EPS Next 5Y80.22%
Revenue 1Y (TTM)60.62%
Revenue growth 3Y-9.14%
Revenue growth 5Y31.13%
Sales Q2Q%101.59%
Revenue Next Year76.57%
Revenue Next 2Y49.95%
Revenue Next 3Y38.97%
Revenue Next 5Y30.29%
EBIT growth 1Y76.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year218.13%
EBIT Next 3Y61.79%
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%