Upstart Historical Financial Ratios

UPST Stock

USD 52.87 2.13 3.87%

Upstart Holdings is promptly reporting on over 98 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Price To Sales Ratio of 9.52, Dividend Yield of 0.0, PTB Ratio of 10.45 or Days Sales Outstanding of 58.77 will help investors to properly organize and evaluate Upstart Holdings financial condition quickly.

Quick Ratio Current Ratio

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.

About Upstart Financial Ratios Analysis

Upstart HoldingsFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Upstart Holdings investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Upstart financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Upstart Holdings history.

Upstart Holdings Financial Ratios Chart

At this time, Upstart Holdings' POCF Ratio is comparatively stable compared to the past year. EV To Operating Cash Flow is likely to gain to 53.99 in 2025, despite the fact that ROIC is likely to grow to (0.16).

Price To Sales Ratio Ptb Ratio Days Sales Outstanding Book Value Per Share

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing Upstart Holdings stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Upstart Holdings sales, a figure that is much harder to manipulate than other Upstart Holdings multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Book Value Per Share

The ratio of equity available to common shareholders divided by the number of outstanding shares. This measure represents the value per share of a company according to its financial statements.

Most ratios from Upstart Holdings' fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Upstart Holdings current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Upstart Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

For more information on how to buy Upstart Stock please use our How to Invest in Upstart Holdings guide.At this time, Upstart Holdings' POCF Ratio is comparatively stable compared to the past year. EV To Operating Cash Flow is likely to gain to 53.99 in 2025, despite the fact that ROIC is likely to grow to (0.16).

	2024	2025 (projected)
Days Sales Outstanding	66.11	58.77
PTB Ratio	8.7	10.45

Days Sales Outstanding Ptb Ratio

Upstart Holdings fundamentals Correlations

	Price To Sales Ratio	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow	Earnings Yield	Intangibles To Total Assets
Price To Sales Ratio		0.83	-0.13	-0.41	0.49	0.48	-0.09	0.83	0.95	0.48	0.3	0.6	0.21	0.11	0.74	0.6	0.68	0.66	-0.24	0.64	0.76	-0.35	0.59	0.69	0.8	0.01
Ptb Ratio	0.83		-0.2	-0.58	0.26	0.3	-0.24	1.0	0.84	0.29	0.12	0.45	0.34	-0.05	0.44	0.45	0.41	0.37	-0.39	0.55	0.58	-0.73	0.42	0.48	0.54	0.16
Days Sales Outstanding	-0.13	-0.2		0.19	-0.11	-0.25	0.53	-0.2	-0.15	-0.26	0.71	0.29	0.56	-0.11	0.0	0.13	0.29	0.13	0.09	0.27	-0.11	-0.08	0.27	0.04	0.0	-0.21
Book Value Per Share	-0.41	-0.58	0.19		-0.16	-0.08	-0.03	-0.58	-0.45	-0.09	0.14	0.06	-0.38	0.78	-0.46	0.38	-0.52	-0.44	0.44	-0.06	-0.52	0.71	0.06	-0.49	-0.25	0.36
Free Cash Flow Yield	0.49	0.26	-0.11	-0.16		0.95	0.27	0.26	0.68	0.95	0.13	0.22	-0.4	0.05	0.25	0.25	0.29	0.18	-0.73	0.11	0.2	-0.05	0.28	0.14	0.77	-0.61
Operating Cash Flow Per Share	0.48	0.3	-0.25	-0.08	0.95		0.16	0.3	0.68	1.0	0.13	0.33	-0.42	0.21	0.24	0.37	0.2	0.14	-0.71	0.24	0.24	-0.01	0.4	0.14	0.79	-0.49
Capex To Depreciation	-0.09	-0.24	0.53	-0.03	0.27	0.16		-0.24	-0.05	0.16	0.54	0.31	0.28	-0.32	0.01	-0.08	0.2	-0.01	-0.36	0.14	-0.2	-0.16	0.3	-0.18	0.34	-0.78
Pb Ratio	0.83	1.0	-0.2	-0.58	0.26	0.3	-0.24		0.84	0.29	0.12	0.45	0.34	-0.05	0.44	0.45	0.41	0.37	-0.39	0.55	0.58	-0.73	0.42	0.48	0.54	0.16
Ev To Sales	0.95	0.84	-0.15	-0.45	0.68	0.68	-0.05	0.84		0.67	0.27	0.54	0.1	0.05	0.62	0.56	0.6	0.53	-0.5	0.57	0.67	-0.43	0.55	0.58	0.85	-0.15
Free Cash Flow Per Share	0.48	0.29	-0.26	-0.09	0.95	1.0	0.16	0.29	0.67		0.12	0.32	-0.42	0.2	0.25	0.36	0.2	0.14	-0.71	0.23	0.24	-0.01	0.39	0.14	0.79	-0.5
Roic	0.3	0.12	0.71	0.14	0.13	0.13	0.54	0.12	0.27	0.12		0.84	0.64	0.08	0.43	0.59	0.55	0.44	0.0	0.79	0.33	-0.06	0.84	0.36	0.52	-0.26
Net Income Per Share	0.6	0.45	0.29	0.06	0.22	0.33	0.31	0.45	0.54	0.32	0.84		0.53	0.32	0.58	0.8	0.54	0.5	-0.06	0.97	0.54	-0.14	0.99	0.48	0.74	-0.07
Capex To Revenue	0.21	0.34	0.56	-0.38	-0.4	-0.42	0.28	0.34	0.1	-0.42	0.64	0.53		-0.37	0.43	0.14	0.55	0.47	0.15	0.63	0.42	-0.51	0.49	0.47	0.11	-0.01
Cash Per Share	0.11	-0.05	-0.11	0.78	0.05	0.21	-0.32	-0.05	0.05	0.2	0.08	0.32	-0.37		-0.13	0.69	-0.3	-0.17	0.29	0.27	-0.1	0.5	0.32	-0.14	0.13	0.54
Pocfratio	0.74	0.44	0.0	-0.46	0.25	0.24	0.01	0.44	0.62	0.25	0.43	0.58	0.43	-0.13		0.3	0.93	0.98	0.1	0.65	0.96	-0.04	0.59	0.96	0.65	-0.17
Interest Coverage	0.6	0.45	0.13	0.38	0.25	0.37	-0.08	0.45	0.56	0.36	0.59	0.8	0.14	0.69	0.3		0.21	0.23	0.04	0.77	0.32	0.05	0.79	0.25	0.57	0.32
Capex To Operating Cash Flow	0.68	0.41	0.29	-0.52	0.29	0.2	0.2	0.41	0.6	0.2	0.55	0.54	0.55	-0.3	0.93	0.21		0.96	-0.02	0.6	0.87	-0.18	0.55	0.92	0.63	-0.32
Pfcf Ratio	0.66	0.37	0.13	-0.44	0.18	0.14	-0.01	0.37	0.53	0.14	0.44	0.5	0.47	-0.17	0.98	0.23	0.96		0.17	0.59	0.94	0.0	0.51	0.98	0.55	-0.14
Income Quality	-0.24	-0.39	0.09	0.44	-0.73	-0.71	-0.36	-0.39	-0.5	-0.71	0.0	-0.06	0.15	0.29	0.1	0.04	-0.02	0.17		0.0	0.07	0.58	-0.1	0.15	-0.51	0.64
Roe	0.64	0.55	0.27	-0.06	0.11	0.24	0.14	0.55	0.57	0.23	0.79	0.97	0.63	0.27	0.65	0.77	0.6	0.59	0.0		0.66	-0.22	0.96	0.6	0.68	0.05
Ev To Operating Cash Flow	0.76	0.58	-0.11	-0.52	0.2	0.24	-0.2	0.58	0.67	0.24	0.33	0.54	0.42	-0.1	0.96	0.32	0.87	0.94	0.07	0.66		-0.13	0.55	0.98	0.59	-0.01
Pe Ratio	-0.35	-0.73	-0.08	0.71	-0.05	-0.01	-0.16	-0.73	-0.43	-0.01	-0.06	-0.14	-0.51	0.5	-0.04	0.05	-0.18	0.0	0.58	-0.22	-0.13		-0.1	-0.08	-0.2	0.15
Return On Tangible Assets	0.59	0.42	0.27	0.06	0.28	0.4	0.3	0.42	0.55	0.39	0.84	0.99	0.49	0.32	0.59	0.79	0.55	0.51	-0.1	0.96	0.55	-0.1		0.49	0.76	-0.11
Ev To Free Cash Flow	0.69	0.48	0.04	-0.49	0.14	0.14	-0.18	0.48	0.58	0.14	0.36	0.48	0.47	-0.14	0.96	0.25	0.92	0.98	0.15	0.6	0.98	-0.08	0.49		0.51	-0.02
Earnings Yield	0.8	0.54	0.0	-0.25	0.77	0.79	0.34	0.54	0.85	0.79	0.52	0.74	0.11	0.13	0.65	0.57	0.63	0.55	-0.51	0.68	0.59	-0.2	0.76	0.51		-0.45
Intangibles To Total Assets	0.01	0.16	-0.21	0.36	-0.61	-0.49	-0.78	0.16	-0.15	-0.5	-0.26	-0.07	-0.01	0.54	-0.17	0.32	-0.32	-0.14	0.64	0.05	-0.01	0.15	-0.11	-0.02	-0.45

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Upstart Holdings Account Relationship Matchups

Upstart Holdings fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	13.45	13.96	1.31	6.74	8.76	9.52
Ptb Ratio	9.95	14.64	1.63	5.39	8.7	10.45
Book Value Per Share	4.1	10.33	8.12	7.58	7.08	5.25
Free Cash Flow Yield	0.003378	0.013	(0.64)	(0.0504)	0.0337	0.0354
Operating Cash Flow Per Share	0.21	2.16	(8.15)	(1.92)	2.08	2.19
Stock Based Compensation To Revenue	0.0518	0.0864	0.15	0.34	0.21	0.22
Capex To Depreciation	2.46	2.0	1.7	0.0613	0.0407	0.0387
Pb Ratio	9.95	14.64	1.63	5.39	8.7	10.45
Ev To Sales	12.69	13.73	2.1	8.43	9.81	11.0
Free Cash Flow Per Share	0.14	1.96	(8.43)	(2.06)	2.07	2.18
Roic	0.0257	0.0832	(0.0609)	(0.14)	(0.17)	(0.16)
Net Income Per Share	0.0816	1.73	(1.31)	(2.87)	(1.44)	(1.37)
Capex To Revenue	0.0252	0.0179	0.0274	0.003005	0.001331	0.001264
Cash Per Share	3.42	12.63	5.1	4.89	9.28	4.7
Pocfratio	190.33	70.19	(1.62)	(21.33)	29.56	52.7
Interest Coverage	1.47	43.03	(10.5)	(7.35)	(3.59)	(3.41)
Capex To Operating Cash Flow	0.36	0.0898	(0.034)	(0.009514)	0.004492	0.004267
Pfcf Ratio	296.03	77.12	(1.57)	(19.83)	29.69	28.21
Income Quality	2.81	1.24	6.21	0.67	(1.45)	(1.38)
Roe	0.0199	0.17	(0.16)	(0.38)	(0.2)	(0.21)
Ev To Operating Cash Flow	179.57	69.06	(2.61)	(26.69)	33.12	53.99
Pe Ratio	499.34	87.25	(10.07)	(14.25)	(42.83)	(44.97)
Return On Tangible Assets	0.0127	0.0787	(0.0595)	(0.12)	(0.0561)	(0.0533)
Ev To Free Cash Flow	279.31	75.87	(2.52)	(24.82)	33.27	31.61
Earnings Yield	0.002003	0.0115	(0.0993)	(0.0702)	(0.0233)	(0.0245)
Intangibles To Total Assets	0.0126	0.0552	0.0569	0.0389	0.0323	0.0233
Net Debt To E B I T D A	(7.65)	(1.25)	(7.43)	(4.38)	(5.94)	(5.64)
Current Ratio	8.5	13.81	21.26	11.76	2.75	2.61
Tangible Book Value Per Share	4.01	9.05	6.79	6.65	6.22	4.72
Shareholders Equity Per Share	4.1	10.33	8.12	7.58	7.08	5.14
Debt To Equity	0.27	0.99	1.62	1.93	2.29	2.34
Capex Per Share	0.0765	0.19	0.28	0.0182	0.009357	0.008889
Graham Net Net	1.01	(0.34)	(10.16)	(11.61)	(9.05)	(9.5)
Revenue Per Share	3.03	10.84	10.12	6.07	7.03	5.01
Interest Debt Per Share	1.23	10.23	13.27	15.09	16.78	15.31
Enterprise Value Over E B I T D A	127.73	76.02	(19.65)	(21.77)	(55.16)	(52.41)
Price Earnings Ratio	499.34	87.25	(10.07)	(14.25)	(42.83)	(44.97)

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Shareholders Equity Per Share	Debt To Equity
Capex Per Share	Graham Net Net
Average Receivables	Revenue Per Share
Interest Debt Per Share	Debt To Assets
Enterprise Value Over E B I T D A	Graham Number
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Upstart Historical Financial Ratios

About Upstart Financial Ratios Analysis

Upstart Holdings Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Book Value Per Share

Upstart Holdings fundamentals Correlations

Upstart Holdings Account Relationship Matchups

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High Negative Relationship

Upstart Holdings fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Return On Tangible Assets	+ 0.99	Net Income Per Share
Pfcf Ratio	+ 0.98	Pocfratio
Ev To Free Cash Flow	+ 0.98	Pfcf Ratio
Ev To Free Cash Flow	+ 0.98	Ev To Operating Cash Flow

Intangibles To Total Assets	- 0.78	Capex To Depreciation
Pe Ratio	- 0.73	Pb Ratio
Income Quality	- 0.73	Free Cash Flow Yield
Pe Ratio	- 0.73	Ptb Ratio
Income Quality	- 0.71	Free Cash Flow Per Share
Income Quality	- 0.71	Operating Cash Flow Per Share