UPSTART HOLDINGS, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 25.4 USD | -2.94% |
|
+5.18% | -37.84% |
Valuation
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 2,953 | 12,400 | 1,082 | 3,475 | 2,232 | - | - |
| Enterprise Value (EV) 1 | 2,953 | 12,109 | 1,646 | 4,147 | 2,824 | 2,781 | 2,744 |
| P/E ratio | 499 x | 106 x | -10.1 x | -14.2 x | -9.51 x | -16.6 x | -82.8 x |
| Yield | - | - | - | - | - | - | - |
| Capitalization / Revenue | 12.7 x | 14.6 x | 1.28 x | 6.77 x | 4.14 x | 3.11 x | 2.57 x |
| EV / Revenue | 12.7 x | 14.3 x | 1.95 x | 8.08 x | 5.24 x | 3.88 x | 3.16 x |
| EV / EBITDA | 93.7 x | 52.2 x | 44.3 x | -241 x | -51.6 x | 52.6 x | 17.8 x |
| EV / FCF | 206 x | 79 x | -2.36 x | -25.6 x | 188 x | -35.7 x | -183 x |
| FCF Yield | 0.49% | 1.27% | -42.4% | -3.91% | 0.53% | -2.8% | -0.55% |
| Price to Book | - | 15.7 x | 1.6 x | 5.39 x | 4.01 x | 3.96 x | 3.59 x |
| Nbr of stocks (in thousands) | 72,461 | 81,957 | 81,877 | 85,057 | 87,878 | - | - |
| Reference price 2 | 40.75 | 151.3 | 13.22 | 40.86 | 25.40 | 25.40 | 25.40 |
| Announcement Date | 3/17/21 | 2/15/22 | 2/14/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 164.2 | 233.4 | 848.6 | 842.4 | 513.6 | 538.8 | 717.1 | 867.9 |
| EBITDA 1 | - | 31.51 | 231.9 | 37.16 | -17.22 | -54.72 | 52.86 | 153.9 |
| EBIT 1 | - | 11.76 | 140.9 | -113.9 | -256.5 | -236.7 | -134.8 | 21.49 |
| Operating Margin | - | 5.04% | 16.6% | -13.52% | -49.95% | -43.94% | -18.8% | 2.48% |
| Earnings before Tax (EBT) 1 | - | 5.95 | 133.7 | -109.1 | -240 | -224 | -125.2 | -2.19 |
| Net income 1 | - | 5.983 | 135.4 | -108.7 | -240.1 | -236.1 | -138 | -26.3 |
| Net margin | - | 2.56% | 15.96% | -12.9% | -46.76% | -43.81% | -19.25% | -3.03% |
| EPS 2 | -0.0300 | 0.0816 | 1.430 | -1.310 | -2.870 | -2.672 | -1.534 | -0.3067 |
| Free Cash Flow 1 | - | 14.34 | 153.2 | -697.6 | -162 | 15 | -78 | -15 |
| FCF margin | - | 6.14% | 18.06% | -82.81% | -31.55% | 2.78% | -10.88% | -1.73% |
| FCF Conversion (EBITDA) | - | 45.52% | 66.07% | - | - | - | - | - |
| FCF Conversion (Net income) | - | 239.71% | 113.14% | - | - | - | - | - |
| Dividend per Share 2 | - | - | - | - | - | - | - | - |
| Announcement Date | 3/4/20 | 3/17/21 | 2/15/22 | 2/14/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 304.8 | 310.1 | 228.2 | 157.2 | 146.9 | 102.9 | 135.8 | 134.6 | 140.3 | 127.8 | 125.1 | 136.5 | 149.7 | 174.2 | 171.7 |
| EBITDA 1 | 91.01 | 62.59 | 5.513 | -14.36 | -16.58 | -31.06 | 10.97 | 2.252 | 0.619 | -20.34 | -25.94 | -7.087 | 2.173 | 0.9471 | 19.23 |
| EBIT 1 | 60.41 | 34.83 | -32.11 | -58.09 | -58.5 | -131.8 | -33.34 | -43.84 | -47.5 | -67.47 | -73.14 | -52.35 | -42.27 | -47.62 | -33.87 |
| Operating Margin | 19.82% | 11.23% | -14.07% | -36.95% | -39.82% | -128.09% | -24.56% | -32.58% | -33.85% | -52.79% | -58.49% | -38.34% | -28.23% | -27.34% | -19.73% |
| Earnings before Tax (EBT) 1 | 59.27 | 32.71 | -29.85 | -56.21 | -55.73 | -129.2 | -28.15 | -40.3 | -42.34 | -64.58 | -73.96 | -48.6 | -41.08 | -47.46 | -33.67 |
| Net income 1 | 58.94 | 32.69 | -29.87 | -56.22 | -55.26 | -129.3 | -28.16 | -40.32 | -42.4 | -64.6 | -74.92 | -55.3 | -40.77 | -51.05 | -33.93 |
| Net margin | 19.34% | 10.54% | -13.09% | -35.76% | -37.62% | -125.58% | -20.75% | -29.96% | -30.22% | -50.55% | -59.9% | -40.5% | -27.22% | -29.3% | -19.76% |
| EPS 2 | 0.6100 | 0.3400 | -0.3600 | -0.6900 | -0.6700 | -1.580 | -0.3400 | -0.4800 | -0.5000 | -0.7400 | -0.8237 | -0.6178 | -0.4560 | -0.5667 | -0.3980 |
| Dividend per Share 2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 2/15/22 | 5/9/22 | 8/8/22 | 11/8/22 | 2/14/23 | 5/9/23 | 8/8/23 | 11/7/23 | 2/13/24 | 5/7/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | - | - | 564 | 672 | 591 | 549 | 512 |
| Net Cash position 1 | - | - | 291 | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | 15.18 x | -39.03 x | -10.81 x | 10.39 x | 3.324 x |
| Free Cash Flow 1 | - | 14.3 | 153 | -698 | -162 | 15 | -78 | -15 |
| ROE (net income / shareholders' equity) | - | 14.7% | 24.5% | 2.62% | -36.7% | -12.9% | 4.89% | 6.68% |
| ROA (Net income/ Total Assets) | - | - | 11.8% | - | -12.1% | -4.95% | -1.65% | 0.37% |
| Assets 1 | - | - | 1,149 | - | 1,977 | 4,773 | 8,376 | -7,071 |
| Book Value Per Share 2 | - | - | 9.650 | 8.280 | 7.580 | 6.340 | 6.420 | 7.070 |
| Cash Flow per Share | - | 0.2100 | 1.780 | -8.150 | - | - | - | - |
| Capex 1 | - | 1.36 | 15.1 | 22.9 | 1.53 | 16 | 16 | - |
| Capex / Sales | - | 0.58% | 1.78% | 2.72% | 0.3% | 2.97% | 2.23% | - |
| Announcement Date | 3/4/20 | 3/17/21 | 2/15/22 | 2/14/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
D+
Sell
Buy
Mean consensus
UNDERPERFORM
Number of Analysts
15
Last Close Price
25.4
USD
Average target price
18.21
USD
Spread / Average Target
-28.31%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -37.84% | 2.23B | |
| +12.86% | 11.98B | |
| -3.34% | 6.24B | |
| +8.47% | 3.18B | |
| -0.82% | 2.55B | |
| +1.25% | 1.1B | |
| +2.44% | 885M | |
| -1.29% | 789M | |
| +90.59% | 514M | |
| -25.24% | 422M |
- Stock Market
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- UPST Stock
- Financials Upstart Holdings, Inc.
