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

BIT:1UPST • US91680M1071

Current stock price

22.61 EUR
-3.66 (-13.95%)
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.
  • 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 2025 0 -200M -400M -600M

1.2 Ratios

  • 1UPST's Return On Assets of 1.80% is in line compared to the rest of the industry. 1UPST outperforms 44.44% of its industry peers.
  • 1UPST has a Return On Equity of 6.71%. This is in the lower half of the industry: 1UPST underperforms 66.67% of its industry peers.
  • 1UPST's Return On Invested Capital of 1.21% is in line compared to the rest of the industry. 1UPST outperforms 44.44% of its industry peers.
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

  • 1UPST has a worse Profit Margin (5.13%) than 77.78% of its industry peers.
  • 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.
  • 1UPST's Gross Margin of 81.95% 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 remained more or less at the same level.
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

  • 1UPST has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, 1UPST has more shares outstanding
  • The number of shares outstanding for 1UPST has been increased compared to 5 years ago.
  • Compared to 1 year ago, 1UPST has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of 1.06, we must say that 1UPST is in the distress zone and has some risk of bankruptcy.
  • 1UPST has a better Altman-Z score (1.06) than 88.89% 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.
  • With a Debt to Equity ratio value of 2.29, 1UPST is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.29
Debt/FCF N/A
Altman-Z 1.06
ROIC/WACC0.19
WACC6.23%
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

  • 1UPST has a Current Ratio of 2.15. This indicates that 1UPST is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of 1UPST (2.15) is better than 100.00% of its industry peers.
  • 1UPST has a Quick Ratio of 2.15. This indicates that 1UPST is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick 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.
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

  • 1UPST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 685.71%, which is quite impressive.
  • 1UPST shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 44.19% yearly.
  • The Revenue has grown by 63.99% in the past year. This is a very strong growth!
  • 1UPST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.93% yearly.
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.
  • The Revenue is expected to grow by 33.40% on average over the next years. This is a very strong growth
EPS Next Y38.77%
EPS Next 2Y42.05%
EPS Next 3Y38.62%
EPS Next 5Y36.86%
Revenue Next Year36.33%
Revenue Next 2Y34.25%
Revenue Next 3Y30.72%
Revenue Next 5Y33.4%

3.3 Evolution

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

  • Based on the Price/Earnings ratio of 15.92, the valuation of 1UPST can be described as correct.
  • 1UPST's Price/Earnings ratio is a bit cheaper when compared to the industry. 1UPST is cheaper than 66.67% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. 1UPST is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.48, the valuation of 1UPST can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as 1UPST.
  • 1UPST's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 15.92
Fwd PE 11.48
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

  • 1UPST's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 54.18
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 38.62% in the coming years.
PEG (NY)0.41
PEG (5Y)0.36
EPS Next 2Y42.05%
EPS Next 3Y38.62%

More info and screens

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

0

5. 1UPST.MI Dividend Analysis

5.1 Amount

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

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

UPSTART HOLDINGS INC

BIT:1UPST (3/12/2026, 7:00:00 PM)

22.61

-3.66 (-13.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-10
Earnings (Next)05-04
Inst Owners68.38%
Inst Owner ChangeN/A
Ins Owners12.58%
Ins Owner ChangeN/A
Market Cap2.15B
Revenue(TTM)1.04B
Net Income(TTM)53.60M
Analysts73.64
Price Target47.27 (109.07%)
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)-7.95%
PT rev (3m)-9.16%
EPS NQ rev (1m)-4.17%
EPS NQ rev (3m)-20.92%
EPS NY rev (1m)-6.79%
EPS NY rev (3m)-7.88%
Revenue NQ rev (1m)0.61%
Revenue NQ rev (3m)8.63%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)10.85%
Valuation
Industry RankSector Rank
PE 15.92
Fwd PE 11.48
P/S 2.37
P/FCF N/A
P/OCF N/A
P/B 3.1
P/tB 3.43
EV/EBITDA 54.18
EPS(TTM)1.42
EY6.28%
EPS(NY)1.97
Fwd EY8.71%
FCF(TTM)-1.52
FCFYN/A
OCF(TTM)-1.35
OCFYN/A
SpS9.52
BVpS7.29
TBVpS6.6
PEG (NY)0.41
PEG (5Y)0.36
Graham Number15.26
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
WACC6.23%
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 Y38.77%
EPS Next 2Y42.05%
EPS Next 3Y38.62%
EPS Next 5Y36.86%
Revenue 1Y (TTM)63.99%
Revenue growth 3Y7.41%
Revenue growth 5Y34.93%
Sales Q2Q%48.54%
Revenue Next Year36.33%
Revenue Next 2Y34.25%
Revenue Next 3Y30.72%
Revenue Next 5Y33.4%
EBIT growth 1Y124.66%
EBIT growth 3YN/A
EBIT growth 5Y29.37%
EBIT Next Year622.99%
EBIT Next 3Y139.02%
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.


What is the profitability of 1UPST stock?

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


How financially healthy is UPSTART HOLDINGS INC?

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