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Upstart Holdings Inc

Financial Services US UPST

22.83USD
-0.29(1.25%)

Last update at 2024-04-25T20:12:00Z

Day Range

21.7322.95
LowHigh

52 Week Range

11.9372.58
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -109.07400M 133.73M 5.95M -4.94600M -11.21800M
Minority interest 0.00000M 0.00000M -0.40400M 1.03M 1.10M
Net income -108.66500M 135.44M 5.58M -5.02000M -11.21800M
Selling general administrative 373.28M 240.26M 83.19M 56.81M 35.24M
Selling and marketing expenses 345.78M 333.45M 99.66M 93.17M 63.63M
Gross profit 654.45M 731.01M 195.84M 139.24M 83.90M
Reconciled depreciation 13.51M 7.54M 2.28M 0.77M 0.31M
Ebit -113.86300M 140.88M 11.77M -4.57500M -7.97100M
Ebitda -100.35000M 148.42M 14.04M -3.80100M -7.65700M
Depreciation and amortization 13.51M 7.54M 2.28M 0.77M 0.31M
Non operating income net other 9.47M -5.17400M - - -
Operating income -113.86300M 140.88M 11.77M -4.57500M -7.97100M
Other operating expenses 965.78M 568.53M 188.40M 151.02M 81.90M
Interest expense 10.84M 3.27M 8.03M 26.48M 26.48M
Tax provision -0.40900M -1.71200M 0.37M 0.07M 0.00000M
Interest income 105.58M 50.59M 12.84M 30.83M 37.31M
Net interest income 94.74M 47.31M 4.82M 4.34M 10.83M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -0.40900M -1.71200M 0.37M 0.07M 1.10M
Total revenue 842.44M 848.59M 233.42M 164.19M 99.31M
Total operating expenses 956.31M 707.71M 221.65M 168.76M 107.28M
Cost of revenue 187.99M 117.58M 37.58M 24.95M 15.42M
Total other income expense net -11.66100M -7.15000M -0.40400M -4.55400M -25.38200M
Discontinued operations - - - - -
Net income from continuing ops -103.98100M 135.44M 5.58M -5.02000M -11.21800M
Net income applicable to common shares -108.66500M 135.44M 5.98M -0.46600M -12.31900M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 1936.05M 1820.45M 477.25M 393.46M 645.91M
Intangible assets 15.63M 19.91M - - -
Earning assets - - - - -
Other current assets 110.06M 514.32M -38.67700M 35.68M 49.20M
Total liab 1263.62M 1013.38M 177.00M 455.15M 700.58M
Total stockholder equity 672.43M 807.08M 300.25M -62.71400M -66.67100M
Deferred long term liab - - - - -
Other current liab -235.66500M -54.59300M -54.26900M -91.15500M 394.22M
Common stock 0.00800M 0.00800M 0.00700M 0.00200M 0.00100M
Capital stock 0.00800M 0.00800M 0.00700M 0.00200M 0.00100M
Retained earnings -42.44400M 66.22M -69.22200M -75.20500M -75.07800M
Other liab 103.57M 107.60M 46.83M 21.07M 22.79M
Good will 67.06M 67.06M - - -
Other assets 1259.20M 578.21M 179.02M 277.99M 559.27M
Cash 422.41M 986.61M 250.82M 50.82M 74.29M
Cash and equivalents - - - - -
Total current liabilities 119.50M 54.59M 54.27M 91.16M 446.41M
Current deferred revenue - - - - -
Net debt 1001.22M -190.81000M -168.76100M 84.85M 53.86M
Short term debt 336.45M 48.03M 40.49M 84.60M 49.27M
Short long term debt 336.45M 48.03M 40.49M 84.60M 49.27M
Short long term debt total 1423.63M 795.80M 82.06M 135.67M 128.16M
Other stockholder equity 714.87M 740.85M 369.47M 12.49M 9.05M
Property plant equipment 44.17M 120.38M 22.34M 20.02M 1.50M
Total current assets 463.66M 994.90M 269.89M 93.25M 85.14M
Long term investments 41.25M 40.00M - - -
Net tangible assets 589.74M 720.11M 294.25M -64.91400M -66.67100M
Short term investments 41.25M 8.38M - - -
Net receivables 52.83M 8.29M 19.07M 42.44M 10.84M
Long term debt 986.39M 695.43M 62.63M 34.01M 78.89M
Inventory - 55.52M - - -
Accounts payable 18.71M 6.56M 13.78M 6.56M 2.92M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - -477.25500M -1.41400M -0.64000M
Additional paid in capital - - - - -
Common stock total equity 0.00800M 0.00800M 0.00700M 0.00200M 0.00100M
Preferred stock total equity - - - - -
Retained earnings total equity -42.44400M 66.22M - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -41.25000M -247.34500M -28.34200M -22.22000M -1.50200M
Deferred long term asset charges - - - - -
Non current assets total 213.20M 247.34M 28.34M 22.22M 1.50M
Capital lease obligations 100.79M 100.37M 19.43M 17.06M -
Long term debt total 986.39M 695.43M - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -91.21200M -40.00000M 136.52M 45.43M -137.23700M
Change to liabilities -19.42200M -7.51300M 7.03M 3.61M 1.12M
Total cashflows from investing activities -114.12500M -143.87700M 136.52M 45.43M -137.23700M
Net borrowings 287.92M 647.11M -82.18200M -115.96400M 87.84M
Total cash from financing activities 130.03M 855.43M 79.05M -119.19000M 135.77M
Change to operating activities -860.53800M -35.14300M -39.08500M -3.58000M 12.81M
Net income -108.66500M 135.44M 5.58M -5.02000M -11.21800M
Change in cash -658.77400M 879.91M 231.27M -42.17500M 48.87M
Begin period cash flow 1191.24M 311.33M 80.07M 122.24M 73.38M
End period cash flow 532.47M 1191.24M 311.33M 80.07M 122.24M
Total cash from operating activities -674.68100M 168.35M 15.70M 31.58M 50.34M
Issuance of capital stock 0.00000M 263.93M 159.49M 1.91M 49.92M
Depreciation 13.51M 7.54M 2.28M 0.77M 0.31M
Other cashflows from investing activities -14.08800M 11.46M 14.66M 8.28M 1.23M
Dividends paid - - - - -
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -177.88300M 282.81M 0.00000M -0.66100M 0.00000M
Other cashflows from financing activities 708.81M 662.82M 93.80M 190.79M 476.96M
Change to netincome -849.82000M 68.03M 39.49M 31.24M 48.41M
Capital expenditures 22.91M 15.12M 5.61M 5.28M 1.04M
Change receivables - - - - -
Cash flows other operating 289.71M 4.70M - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes -658.77400M 879.91M - - -
Change in working capital -21.86600M 55.24M 18.25M 0.03M 13.93M
Stock based compensation 125.94M 73.19M 11.51M 3.81M 2.04M
Other non cash items -683.60800M -102.83300M -50.97500M 0.93M 2.98M
Free cash flow -697.59400M 153.24M 10.09M 26.30M 49.29M

Fundamentals

  • Previous Close 23.12
  • Market Cap3829.28M
  • Volume2825873
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA-204.58301M
  • Revenue TTM545.51M
  • Revenue Per Share TTM6.59
  • Gross Profit TTM 665.29M
  • Diluted EPS TTM-3.05

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
UPST
Upstart Holdings Inc		 -0.29 1.25% 22.83 - 90.91 6.99 5.79
V
Visa Inc. Class A		 0.14 0.05% 275.16 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -0.39 0.08% 462.11 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -2.02 0.84% 237.10 17.39 14.58 2.42 4.82
PYPL
PayPal Holdings Inc		 -0.74 1.14% 64.10 18.46 10.94 2.29 3.37 2.25 10.57

Reports Covered

Stock Research & News

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Profile

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank and credit union partners. The company was founded in 2012 and is headquartered in San Mateo, California.

Upstart Holdings Inc

2950 South Delaware Street, San Mateo, CA, United States, 94403

Key Executives

Name Title Year Born
Mr. David J. Girouard Co-Founder, Pres, CEO & Chairperson of the Board 1966
Mr. Paul Gu Co-Founder, CTO & Director 1991
Ms. Anna M. Counselman Co-Founder & Sr. VP of Bus. Operations 1981
Mr. Sanjay Datta CFA Chief Financial Officer NA
Ms. Alison Nicoll Gen. Counsel & Sec. 1972
Mr. Jason Schmidt VP of Investor Relations NA
Ms. Annie Delgado Chief Compliance Officer NA
Scott Darling Chief Legal Officer & Corp. Sec. NA
Ms. Pavi Ramamurthy Chief Information Security Officer NA
Natalia Mirgorodskaya Corp. Controller NA

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