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Upstart Holdings, Inc.

UPSTNASDAQFinancialsCredit Services

$23.71Today:- (-)1Y −54.22%

As of Oct 27, 2026 close

Market cap
$2.60B
P/E (TTM)
43.12
Forward P/E
-
Dividend yield
-
52-week range
$22.21$55.22
Volume (live)
-
Avg. volume (3M)
4.14M

Upstart Holdings (UPST) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Upstart Holdings had a P/E ratio of 79.37, return on equity of 7.5% (up from -20.3%), debt-to-equity of 2.38 (down from 2.43) and a current ratio of 13.10 (down from 15.68). A current ratio of 13.10 means current assets exceed current liabilities.

Upstart Holdings Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income StatementBalance SheetCash FlowRatios
Scroll to see more
BreakdownFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Period endingDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Valuation Ratios
P/E Ratio79.37---91.55-
Forward P/E19.68292.91267.9218.3872.48-
P/S Ratio3.968.306.341.2714.5612.23
P/B Ratio5.338.875.471.6115.369.83
Price/Tangible Book6.2110.686.611.9317.5510.04
Price/FCF-30.28--77.54205.88
Price/OCF-30.14--73.66188.11
PEG Ratio0.212.232.233.290.41-
Enterprise Value Ratios
EV/Revenue5.319.177.671.6614.1813.16
EV/EBITDA57.60---78.99143.98
EV/EBIT76.86---83.09160.55
EV/FCF-33.45--75.54221.55
Profitability & Returns
Return on Equity (ROE)7.49%-20.27%-36.72%-14.69%24.46%2.78%
Return on Assets (ROA)1.74%-3.78%-7.01%-3.43%7.91%2.84%
Return on Invested Capital (ROIC)4.29%-9.22%-15.64%-10.55%38.89%8.84%
Return on Capital Employed (ROCE)2.60%-5.90%-11.40%-5.50%8.50%4.60%
Leverage & Solvency Ratios
Debt/Equity2.382.431.961.620.990.27
Debt/EBITDA16.19---4.902.86
Debt/FCF-8.30--4.985.72
Liquidity Ratios
Current Ratio13.1015.6822.1921.9013.818.50
Quick Ratio4.147.005.496.449.385.21
Efficiency Ratios
Asset Turnover0.400.310.280.450.740.56
Yield & Distribution Ratios
Earnings Yield1.26%-2.29%-6.91%-10.04%1.09%0.20%
FCF Yield-3.48%3.30%-3.26%-61.59%1.29%0.49%
Buyback Yield-20.17%-6.79%-1.20%12.66%-441.13%-22.17%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Upstart Holdings Financial Ratios

What is Upstart Holdings's P/E ratio?

Upstart Holdings's P/E ratio was 79.37 for fiscal 2025 (period ended Dec 31, 2025).

What is Upstart Holdings's return on equity?

Upstart Holdings's return on equity (ROE) was 7.5% for fiscal 2025 (period ended Dec 31, 2025). It was -20.3% a year earlier.

What is Upstart Holdings's debt-to-equity ratio?

Upstart Holdings's debt-to-equity ratio was 2.38 for fiscal 2025 (period ended Dec 31, 2025). It was 2.43 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition