UPST - Upstart Holdings, Inc.
NASDAQ
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Financial Services
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Credit Services
San Mateo,
United States
Type: Equity
UPST price evolution
UPST
| (in millions $) | 31 Jan 2024 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Current assets | ||||
| Cash | $467.79 | $615.03 | $509.89 | $451.86 |
| Short term investments | ||||
| Net receivables | $40.49 | $41.2 | $46.1 | $42.94 |
| Inventory | ||||
| Total current assets | $408.89 | $557.8 | $489.8 | $429.88 |
| Long term investments | ||||
| Property, plant & equipment | $97.35 | $125.35 | $127.36 | $130.36 |
| Goodwill & intangible assets | $67.06 | $67.06 | $67.06 | $81.62 |
| Total noncurrent assets | ||||
| Total investments | $1238.67 | $1050.56 | $907.48 | $1023.48 |
| Total assets | $2017.1 | $2001.78 | $1763.71 | $1821.72 |
| Current liabilities | ||||
| Accounts payable | $66.19 | $58.63 | $50.99 | $47.6 |
| Deferred revenue | ||||
| Short long term debt | ||||
| Total current liabilities | $328.19 | $346.7 | $184.6 | $179.07 |
| Long term debt | $1040.42 | $1003.4 | $930.7 | $1000.87 |
| Total noncurrent liabilities | ||||
| Total debt | $1244.16 | $1250.53 | $1026.89 | $1099.92 |
| Total liabilities | $1381.8 | $1361.02 | $1125.57 | $1194.51 |
| Shareholders' equity | ||||
| Retained earnings | -$282.58 | -$240.18 | -$199.86 | -$171.7 |
| Other shareholder equity | ||||
| Total shareholder equity | $635.3 | $640.76 | $638.14 | $627.21 |
| (in millions $) | 31 Jan 2024 | 31 Dec 2022 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Current assets | ||||
| Cash | $467.79 | $532.47 | $1191.24 | $311.33 |
| Short term investments | ||||
| Net receivables | $40.49 | $46.65 | $55.52 | $11.7 |
| Inventory | ||||
| Total current assets | $408.89 | $469.06 | $1042.13 | $330.41 |
| Long term investments | ||||
| Property, plant & equipment | $97.35 | $130.5 | $120.38 | $28.34 |
| Goodwill & intangible assets | $67.06 | $82.69 | $86.97 | |
| Total noncurrent assets | $146.85 | |||
| Total investments | $1238.67 | $1051.67 | $300.76 | $97.53 |
| Total assets | $2017.1 | $1936.05 | $1820.45 | $477.25 |
| Current liabilities | ||||
| Accounts payable | $66.19 | $109.49 | $114.16 | $59.28 |
| Deferred revenue | ||||
| Short long term debt | ||||
| Total current liabilities | $328.19 | $255.61 | $300.03 | $157.57 |
| Long term debt | $1040.42 | $986.39 | $695.43 | $62.6 |
| Total noncurrent liabilities | $19.43 | |||
| Total debt | $1244.16 | $1087.18 | $795.8 | $82.06 |
| Total liabilities | $1381.8 | $1263.62 | $1013.38 | $177 |
| Shareholders' equity | ||||
| Retained earnings | -$282.58 | -$42.44 | $66.22 | -$69.22 |
| Other shareholder equity | ||||
| Total shareholder equity | $635.3 | $672.43 | $807.08 | $300.25 |
| (in millions $) | 31 Jan 2024 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | $134.56 | $135.77 | $102.93 | |
| Cost of revenue | ||||
| Gross Profit | $134.56 | $135.77 | $102.93 | |
| Operating activities | ||||
| Research & development | $54.94 | $57.97 | $110.07 | |
| Selling, general & administrative | $86.55 | $74.34 | $84.1 | |
| Total operating expenses | $178.4 | $169.11 | $234.76 | |
| Operating income | -$43.84 | -$33.34 | -$131.84 | |
| Income from continuing operations | ||||
| EBIT | -$40.3 | -$28.15 | -$129.24 | |
| Income tax expense | $0.01 | $0.02 | $0.02 | |
| Interest expense | ||||
| Net income | ||||
| Net income | -$40.31 | -$28.16 | -$129.25 | |
| Income (for common shares) | -$40.31 | -$28.16 | -$129.25 | |
| (in millions $) | 31 Dec 2023 | 31 Dec 2022 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | $513.56 | $842.44 | $848.59 | $233.42 |
| Cost of revenue | ||||
| Gross Profit | $513.56 | $842.44 | $848.59 | $233.42 |
| Operating activities | ||||
| Research & development | $280.14 | $237.25 | $134 | $38.8 |
| Selling, general & administrative | $339.53 | $531.07 | $456.13 | $145.27 |
| Total operating expenses | $770.09 | $956.31 | $707.71 | $221.65 |
| Operating income | -$256.52 | -$113.86 | $140.88 | $11.77 |
| Income from continuing operations | ||||
| EBIT | -$240.03 | -$109.07 | $133.73 | $6.35 |
| Income tax expense | $0.11 | -$0.41 | -$1.71 | $0.37 |
| Interest expense | ||||
| Net income | ||||
| Net income | -$240.13 | -$108.67 | $135.44 | $5.98 |
| Income (for common shares) | -$240.13 | -$108.67 | $135.44 | $5.98 |
| (in millions $) | 31 Dec 2023 | 30 Sep 2023 | 30 Jun 2023 | 31 Mar 2023 |
|---|---|---|---|---|
| Net income | -$42.4 | -$40.31 | -$28.16 | -$129.25 |
| Operating activities | ||||
| Depreciation | $9.1 | $4.93 | $4.42 | $6.44 |
| Business acquisitions & disposals | ||||
| Stock-based compensation | $32.75 | $35.57 | $32.6 | $74.11 |
| Total cash flows from operations | -$143.71 | -$103.43 | $162.38 | -$75.73 |
| Investing activities | ||||
| Capital expenditures | -$1.67 | -$2.95 | -$2.02 | -$5.46 |
| Investments | -$28.23 | -$21.27 | -$36.48 | -$20.39 |
| Total cash flows from investing | -$29.89 | -$24.22 | -$38.49 | -$25.85 |
| Financing activities | ||||
| Dividends paid | ||||
| Sale and purchase of stock | $3.41 | $5.51 | $5.13 | $7.26 |
| Net borrowings | $46.29 | $227.28 | -$70.98 | $13.71 |
| Total cash flows from financing | $26.36 | $232.78 | -$65.85 | $20.97 |
| Effect of exchange rate | ||||
| Change in cash and equivalents | -$147.24 | $105.14 | $58.03 | -$80.61 |
| (in millions $) | 31 Dec 2023 | 31 Dec 2022 | 31 Dec 2021 | 31 Dec 2020 |
|---|---|---|---|---|
| Net income | -$240.13 | -$108.67 | $135.44 | $5.98 |
| Operating activities | ||||
| Depreciation | $24.9 | $13.51 | $7.54 | $2.28 |
| Business acquisitions & disposals | -$16.76 | |||
| Stock-based compensation | $175.02 | $125.93 | $72.95 | $12.3 |
| Total cash flows from operations | -$160.49 | -$674.68 | $168.35 | $15.7 |
| Investing activities | ||||
| Capital expenditures | -$12.09 | -$22.91 | -$15.12 | -$5.61 |
| Investments | -$106.37 | -$91.21 | -$112 | $142.12 |
| Total cash flows from investing | -$118.45 | -$114.13 | -$143.88 | $136.52 |
| Financing activities | ||||
| Dividends paid | -$0.62 | |||
| Sale and purchase of stock | $21.31 | -$157.87 | $282.81 | $161.85 |
| Net borrowings | $216.29 | $287.92 | $631.38 | -$82.18 |
| Total cash flows from financing | $214.27 | $130.03 | $855.43 | $79.05 |
| Effect of exchange rate | ||||
| Change in cash and equivalents | -$64.68 | -$658.77 | $879.91 | $231.27 |
News
Fundamentals
| Market cap | $1.89B |
|---|---|
| Enterprise value | $2.66B |
| Shares outstanding | 86.33M |
| Revenue | N/A |
|---|---|
| EBITDA | N/A |
| EBIT | N/A |
| Net Income | N/A |
| Revenue Q/Q | N/A |
| Revenue Y/Y | N/A |
| P/E ratio | N/A |
|---|---|
| EV/Sales | N/A |
| EV/EBITDA | N/A |
| EV/EBIT | N/A |
| P/S ratio | N/A |
| P/B ratio | 2.97 |
| Book/Share | 7.36 |
| Cash/Share | 5.42 |
| EPS | N/A |
|---|---|
| ROA | N/A |
| ROE | N/A |
| Debt/Equity | 2.18 |
|---|---|
| Net debt/EBITDA | N/A |
| Current ratio | 1.25 |
| Quick ratio | 1.25 |