Business Description
Upstart Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : BRU2PSBDR007
Share Class Description:
BSP:U2PS34: BRDRTotal Employee Number:
1,405Compare
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Traded in other countries / regions
UPST.USAU2PS34.BrazilUPST.Mexico855.Germany1UPST.ItalyUPST.Switzerland IPO Date
2022-01-31Description
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.23 | |||||
Equity-to-Asset | 0.25 | |||||
Debt-to-Equity | 2.54 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -1.64 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -2 | |||||
3-Year EPS without NRI Growth Rate | 22.2 | |||||
3-Year FCF Growth Rate | 42.7 | |||||
3-Year Book Growth Rate | -0.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 43.55 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 35.6 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -6.5 | |||||
Shareholder Yield % | -17.85 |
Profitability Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 4.92 | |||||
FCF Margin % | -24.31 | |||||
OCF Margin % | -22.59 | |||||
ROE % | 7.95 | |||||
ROA % | 2.08 | |||||
Years of Profitability over Past 10-Year | 3 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 62.39 | |||||
Forward PE Ratio | 0.66 | |||||
PE Ratio without NRI | 39.19 | |||||
Price-to-Owner-Earnings | 37.9 | |||||
PEG Ratio | 5.85 | |||||
PS Ratio | 2.67 | |||||
PB Ratio | 3.72 | |||||
Price-to-Tangible-Book | 4.11 | |||||
EV-to-Revenue | 3.65 | |||||
EV-to-Forward-Revenue | 3.58 | |||||
EV-to-FCF | -14.61 | |||||
Price-to-GF-Value | 0.51 | |||||
Price-to-Graham-Number | 2.67 | |||||
FCF Yield % | -10.2 | |||||
Forward Rate of Return (Yacktman) % | -11.67 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Upstart Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil R$) | 6,473.713 | ||
| EPS (TTM) (R$) | 2.614 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | - | ||
| 14-Day RSI | 52.38 | ||
| 14-Day ATR (R$) | 0.337786 | ||
| 20-Day SMA (R$) | 7.4735 | ||
| 12-1 Month Momentum % | - | ||
| 52-Week Range (R$) | 6.71 - 9.59 | ||
| Shares Outstanding (Mil) | 97.31 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Upstart Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Upstart Holdings Inc Stock Events
| Event | Date | Price (R$) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-04 16:30 | In 88 days | ||
| Third quarter earnings results for 2026 | 2026-11-04 | In 87 days | ||
| Guidance call for 2026 | 2026-08-11 11:00 | In 3 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-04 16:30 | 7.49 (+5.49%) | ||
| Second quarter earnings results for 2026 | 2026-08-04 | 7.49 (+5.49%) | ||
| Morgan Stanley US Financials Conference | 2026-06-10 15:15 | 8.27 (+0.98%) | ||
| General meeting for 2026 | 2026-05-28 09:00 | 7.79 (+0.00%) | ||
| J.P. Morgan Global Technology, Media & Communications Conference | 2026-05-19 13:15 | -- | ||
| First quarter earnings conference call for 2026 | 2026-05-05 16:30 | -- | ||
| First quarter earnings results for 2026 | 2026-05-05 | -- |
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Upstart Holdings Inc Frequently Asked Questions
What is Upstart Holdings Inc(BSP:U2PS34)'s stock price today?
The current price of BSP:U2PS34 is R$7.81. The 52 week high of BSP:U2PS34 is R$9.59 and 52 week low is R$6.71.
When is next earnings date of Upstart Holdings Inc(BSP:U2PS34)?
The next earnings date of Upstart Holdings Inc(BSP:U2PS34) is 2026-11-04 Est..
Does Upstart Holdings Inc(BSP:U2PS34) pay dividends? If so, how much?
Upstart Holdings Inc(BSP:U2PS34) does not pay dividend.
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