UPSTART HOLDINGS INC (1UPST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1UPST - US91680M1071 - Common Stock
41.545 EUR
+7.76 (+22.95%)
1UPST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. 1UPST has a bad profitability rating. Also its financial health evaluation is rather negative. 1UPST is valued quite expensive, but it does show an excellent growth.
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.
- In multiple years 1UPST reported negative net income over the last 5 years.
- The reported operating cash flow has been mixed in the past 5 years: 1UPST reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -0.26%, 1UPST is doing worse than 70.00% of the companies in the same industry.
- 1UPST has a Return On Equity of -0.88%. This is in the lower half of the industry: 1UPST underperforms 70.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- 1UPST's Gross Margin of 80.43% is fine compared to the rest of the industry. 1UPST outperforms 70.00% of its industry peers.
- 1UPST's Gross Margin has declined in the last couple of years.
- The Profit Margin and Operating Margin are not available for 1UPST so they could not be analyzed.
| Industry Rank | Sector 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%
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
- The number of shares outstanding for 1UPST has been increased compared to 5 years ago.
- The debt/assets ratio for 1UPST is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.73, we must say that 1UPST is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 1.73, 1UPST belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- 1UPST has a Debt/Equity ratio of 1.98. This is a high value indicating a heavy dependency on external financing.
- 1UPST has a Debt to Equity ratio of 1.98. This is comparable to the rest of the industry: 1UPST outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.73 |
ROIC/WACCN/A
WACC8.95%
2.3 Liquidity
- A Current Ratio of 1.48 indicates that 1UPST should not have too much problems paying its short term obligations.
- 1UPST's Current ratio of 1.48 is amongst the best of the industry. 1UPST outperforms 90.00% of its industry peers.
- A Quick Ratio of 1.48 indicates that 1UPST should not have too much problems paying its short term obligations.
- The Quick ratio of 1UPST (1.48) is better than 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 |
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
- 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 Y682.95%
EPS Next 2Y228.99%
EPS Next 3Y139.46%
EPS Next 5Y80.22%
Revenue Next Year72.97%
Revenue Next 2Y45.85%
Revenue Next 3Y36.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 33.78, the valuation of 1UPST can be described as expensive.
- Based on the Price/Earnings ratio, 1UPST is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, 1UPST is valued a bit more expensive.
- A Price/Forward Earnings ratio of 19.70 indicates a rather expensive valuation of 1UPST.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1UPST is on the same level as its industry peers.
- 1UPST's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.78 | ||
| Fwd PE | 19.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as 1UPST's earnings are expected to grow with 139.46% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y228.99%
EPS Next 3Y139.46%
5. Dividend
5.1 Amount
- 1UPST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1UPST (1/15/2026, 7:00:00 PM)
41.545
+7.76 (+22.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners72.55%
Inst Owner ChangeN/A
Ins Owners12.27%
Ins Owner ChangeN/A
Market Cap4.04B
Revenue(TTM)966.73M
Net Income(TTM)-6.35M
Analysts74
Price Target52.03 (25.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)-21.43%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.09%
EPS NY rev (1m)-3.29%
EPS NY rev (3m)-3.48%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)-0.42%
Revenue NY rev (1m)-1.86%
Revenue NY rev (3m)-1.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.78 | ||
| Fwd PE | 19.7 | ||
| P/S | 5.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.56 | ||
| P/tB | 7.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.23
EY2.96%
EPS(NY)2.11
Fwd EY5.08%
FCF(TTM)-0.72
FCFYN/A
OCF(TTM)-0.57
OCFYN/A
SpS7.48
BVpS6.34
TBVpS5.67
PEG (NY)0.05
PEG (5Y)N/A
Graham Number13.24
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.73 |
F-Score5
WACC8.95%
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 Y682.95%
EPS Next 2Y228.99%
EPS Next 3Y139.46%
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 2Y45.85%
Revenue Next 3Y36.41%
Revenue Next 5Y30.29%
EBIT growth 1Y76.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year222.31%
EBIT Next 3Y62.44%
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.