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Upstart Holdings, Inc.

Qualité des données : 100%
UPST
NASDAQ Financial Services Financial - Credit Services
27,91 €
▲ 1,93 € (7,43%)
Cap. Boursière : 2,74B
Fourchette du Jour
26,61 € 28,17 €
Fourchette 52 Semaines
24,93 € 87,30 €
Volume
6 711 875
Moyenne 50J / 200J
35,36 € / 52,27 €
Clôture Précédente
25,98 €

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (854 pairs)

Métrique Action Médiane du Secteur
P/E 51,1 10,3
P/B 3,4 1,1
ROE % 7,5 11,7
Net Margin % 5,0 16,8
Rev Growth 5Y % 6,1 11,7
D/E 2,3 0,5

Points Clés

Revenue grew 6,06% annually over 5 years — modest growth
Debt/Equity of 2,32 — high leverage
Negative free cash flow of -166,13M
P/E of 51,06 — premium valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 52,81%
Capital efficient — spends only 1,71% of revenue on capex

Croissance

Revenue Growth (5Y)
6,06%
Revenue (1Y)58,87%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Qualité

Return on Equity
7,49%
ROIC1,54%
Net Margin4,98%
Op. Margin5,05%

Sécurité

Debt / Equity
2,32
Current Ratio2,99
Interest Coverage1,05

Valorisation

P/E Ratio
51,06
P/B Ratio3,43
EV/EBITDA72,33
Dividend Yield0,00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 58,87% Revenue Growth (3Y) 40,13%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) 6,06% Earnings Growth (5Y) -20,69%
Profitability
Revenue (TTM) 1,08B Net Income (TTM) 53,60M
ROE 7,49% ROA 1,80%
Gross Margin 95,21% Operating Margin 5,05%
Net Margin 4,98% Free Cash Flow (TTM) -166,13M
ROIC 1,54% FCF Growth (3Y) N/A
Safety
Debt / Equity 2,32 Current Ratio 2,99
Interest Coverage 1,05 Dividend Yield 0,00%
Valuation
P/E Ratio 51,06 P/B Ratio 3,43
P/S Ratio 2,54 PEG Ratio -0,56
EV/EBITDA 72,33 Dividend Yield 0,00%
Market Cap 2,74B Enterprise Value 3,93B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1,08B 676,96M 547,72M 853,29M 849,89M
Net Income 53,60M -128,58M -240,13M -108,67M 135,44M
EPS (Diluted) 0,45 -1,44 -2,87 -1,31 1,43
Gross Profit 1,02B 628,83M 508,12M 837,76M 846,61M
Operating Income 54,33M -128,40M -240,03M -109,07M 133,73M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2,97B 2,37B 2,02B 1,94B 1,82B
Total Liabilities 2,18B 1,73B 1,38B 1,26B 1,01B
Shareholders' Equity 798,82M 633,22M 635,31M 672,44M 807,08M
Total Debt 1,85B 1,45B 1,10B 1,09B 795,80M
Cash & Equivalents 657,45M 793,61M 377,32M 432,41M 994,99M
Current Assets 1,20B 1,08B 450,64M 501,99M 1,09B
Current Liabilities 401,02M 457,78M 458,30M 400,50M 140,09M