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Upstart Holdings, Inc. UPST

Rank #2287 · Nasdaq · $2.2B market cap
Audited by Deloitte & Touche LLP, no going-concern flag in the latest filing.
Score
26.0
P/E
-9.2
P/B
3.28
ROE
-35.7%
Op. Margin
-50.0%
Debt Ratio
258%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★☆☆☆
Weak

P/E -9.2x, P/B 3.28x. Ranks in the top 70% of the universe.

Profitability ★☆☆☆☆
Poor

ROE -35.7%. Ranks in the top 86% of the universe.

Safety ★★☆☆☆
Weak

Debt ratio 258%. Ranks in the top 68% of the universe. Above 200% signals meaningful leverage risk.

Growth ★☆☆☆☆
Poor

Revenue decline of 39.0% year over year. Ranks in the top 96% of the universe.

Valuation is the relative strength · Profitability is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2021$0.2B$-0.0B$-0.0B$0.3B-2.859
2022$0.2B$0.0B$0.0B$-0.1B5.0-1643
2023$0.8B$0.1B$0.1B$0.3B16.6421
2024$0.8B$-0.1B$-0.1B$0.8B-13.5171
2025$0.5B$-0.3B$-0.2B$0.7B-50.0258

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