Upstart Holdings(DE:855)
€18.99+1.17 (+6.57%)
DE:855
Upstart Holdings financials statements
€18.99
At close:+1.17 (+6.57%)
Upstart Holdings (855) Ratios
7 Followers
Upstart Holdings Ratios
DE:855's free cash flow for Q3 2026 was $-25.18M. For the 2026 fiscal year, DE:855's free cash flow was decreased by $-5.43M and operating cash flow was $-19.75M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 2.99 | 2.36 | 0.98 | 1.25 | 7.77 |
| Quick Ratio | 2.99 | 2.36 | 0.98 | 1.25 | 7.77 |
| Cash Ratio | 1.64 | 1.73 | 0.82 | 1.08 | 7.10 |
| Solvency Ratio | 0.04 | -0.06 | -0.16 | -0.08 | 0.14 |
| Operating Cash Flow Ratio | -0.37 | 0.41 | -0.35 | -1.68 | 1.20 |
| Short-Term Operating Cash Flow Coverage | -1.52 | 0.95 | -0.41 | -2.01 | 3.51 |
| Net Current Asset Value | $ -976.85M | $ -653.17M | $ -931.16M | $ -761.63M | $ 75.43M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.62 | 0.61 | 0.55 | 0.56 | 0.44 |
| Debt-to-Equity Ratio | 2.32 | 2.29 | 1.74 | 1.62 | 0.99 |
| Debt-to-Capital Ratio | 0.70 | 0.70 | 0.63 | 0.62 | 0.50 |
| Long-Term Debt-to-Capital Ratio | 0.68 | 0.66 | 0.51 | 0.49 | 0.45 |
| Financial Leverage Ratio | 3.72 | 3.74 | 3.18 | 2.88 | 2.26 |
| Debt Service Coverage Ratio | 0.53 | -0.44 | -0.51 | -0.27 | 2.79 |
| Interest Coverage Ratio | 1.05 | -2.67 | -6.88 | -10.06 | 40.85 |
| Debt to Market Cap | 0.44 | 0.25 | 0.30 | 0.90 | 0.06 |
| Interest Debt Per Share | 19.80 | 16.78 | 13.58 | 13.27 | 10.23 |
| Net Debt to EBITDA | 15.07 | -6.11 | -3.37 | -6.85 | -1.41 |
| Profitability Margins | |||||
| Gross Profit Margin | 95.21% | 92.89% | 92.77% | 98.18% | 99.61% |
| EBIT Margin | 5.05% | -18.97% | -43.82% | -12.78% | 15.74% |
| EBITDA Margin | 7.36% | -15.93% | -39.28% | -11.20% | 16.62% |
| Operating Profit Margin | 5.05% | -18.97% | -43.82% | -12.78% | 15.74% |
| Pretax Profit Margin | 5.05% | -18.97% | -43.82% | -12.78% | 15.74% |
| Net Profit Margin | 4.98% | -18.99% | -43.84% | -12.73% | 15.94% |
| Continuous Operations Profit Margin | 4.98% | -18.99% | -43.84% | -12.73% | 15.94% |
| Net Income Per EBT | 98.66% | 100.14% | 100.04% | 99.63% | 101.28% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.80% | -5.43% | -11.90% | -5.61% | 7.44% |
| Return on Equity (ROE) | 6.71% | -20.31% | -37.80% | -16.16% | 16.78% |
| Return on Capital Employed (ROCE) | 2.11% | -6.73% | -15.40% | -7.10% | 7.96% |
| Return on Invested Capital (ROIC) | 2.01% | -6.10% | -12.33% | -5.80% | 7.74% |
| Return on Tangible Assets | 1.85% | -5.61% | -12.39% | -5.86% | 7.81% |
| Earnings Yield | 1.28% | -2.33% | -7.02% | -9.93% | 1.15% |
| Efficiency Ratios | |||||
| Receivables Turnover | 11.04 | 9.63 | 9.90 | 16.15 | 13.32 |
| Payables Turnover | 1.61 | 3.89 | 3.14 | 0.83 | 0.50 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 17.75 | 8.21 | 5.63 | 6.54 | 7.06 |
| Asset Turnover | 0.36 | 0.29 | 0.27 | 0.44 | 0.47 |
| Working Capital Turnover Ratio | 1.51 | 2.20 | 11.68 | 1.63 | 1.46 |
| Cash Conversion Cycle | -193.44 | -56.00 | -79.38 | -417.34 | -704.27 |
| Days of Sales Outstanding | 33.06 | 37.90 | 36.88 | 22.60 | 27.40 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 226.50 | 93.90 | 116.26 | 439.94 | 731.67 |
| Operating Cycle | 33.06 | 37.90 | 36.88 | 22.60 | 27.40 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -1.54 | 2.08 | -1.92 | -8.15 | 2.16 |
| Free Cash Flow Per Share | -1.73 | 1.97 | -1.93 | -8.43 | 1.96 |
| Dividend Paid and CapEx Coverage Ratio | -8.03 | 18.65 | -105.10 | -29.45 | 11.14 |
| Capital Expenditure Coverage Ratio | -8.03 | 18.65 | -105.10 | -29.45 | 11.14 |
| Operating Cash Flow Coverage Ratio | -0.08 | 0.13 | -0.15 | -0.62 | 0.21 |
| Operating Cash Flow to Sales Ratio | -0.14 | 0.28 | -0.29 | -0.79 | 0.20 |
| Free Cash Flow Yield | -3.96% | 3.20% | -4.73% | -63.75% | 1.30% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 78.09 | -42.76 | -14.25 | -10.07 | 87.25 |
| Price-to-Sales (P/S) Ratio | 3.90 | 8.14 | 6.25 | 1.28 | 13.90 |
| Price-to-Book (P/B) Ratio | 5.26 | 8.70 | 5.39 | 1.63 | 14.64 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -25.28 | 31.23 | -21.13 | -1.57 | 77.12 |
| Price-to-Operating Cash Flow Ratio | -28.43 | 29.56 | -21.33 | -1.62 | 70.19 |
| Price-to-Earnings Growth (PEG) Ratio | -0.56 | 0.86 | -0.12 | 0.06 | 0.16 |
| Enterprise Value Multiple | 68.12 | -57.18 | -19.28 | -18.30 | 82.24 |
| Enterprise Value | 5.39B | 6.17B | 4.15B | 1.75B | 11.62B |
| EV to EBITDA | 68.12 | -57.18 | -19.28 | -18.30 | 82.24 |
| EV to Sales | 5.01 | 9.11 | 7.57 | 2.05 | 13.67 |
| EV to Free Cash Flow | -32.46 | 34.97 | -25.60 | -2.51 | 75.82 |
| EV to Operating Cash Flow | -36.50 | 33.09 | -25.85 | -2.59 | 69.01 |
| Tangible Book Value Per Share | 7.53 | 6.22 | 6.65 | 7.12 | 9.22 |
| Shareholders’ Equity Per Share | 8.32 | 7.08 | 7.58 | 8.12 | 10.33 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.01 | -0.00 | -0.00 | 0.00 | -0.01 |
| Revenue Per Share | 11.20 | 7.57 | 6.54 | 10.31 | 10.88 |
| Net Income Per Share | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 |
| Tax Burden | 0.99 | 1.00 | 1.00 | 1.00 | 1.01 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.69 | 0.82 | 0.66 | 0.44 | 0.28 |
| Stock-Based Compensation to Revenue | 0.12 | 0.20 | 0.00 | 0.15 | 0.09 |
| Income Quality | -2.76 | -1.45 | 0.67 | 6.21 | 1.24 |
Currency in USD
